Our Mission
To bring professional account receivable management to our clients with dignity and an unparalleled work ethic while continually improving our process to maximize customer returns with an honest, open-minded, and willing approach.
Who We Are

Credit Business Services, Inc. provides revenue cycle management (RCM), accounts receivable management (ARM), and extended business office (EBO) services to our clients with dignity, integrity, and an unparalleled work ethic.

Established in 1953, Credit Business Services, Inc. is an ARM industry leader in the public and private sectors. Credit Business Services, Inc. has experienced consistent growth since its inception and has developed into a trusted partner throughout the United States. Credit Business Services prides itself on our efficient, effective methods while maintaining a positive professional presence.

Credit Business Services, Inc. maintains a staff of employees who have thoroughly trained in all aspects of ARM and EBO services. Our continuous training program and access to the most advanced technology allow our team to gain the specialized knowledge and experience they need to give our clients the results they deserve.
Through active participation with industry organizations, Credit Business Services remains at the forefront of providing the latest RCM, ARM, and EBO products, technologies, and customer support tools. Our client relationships continue to grow over the years by staying focused on their needs. Credit Business Services maintains membership in ACA International and Healthcare Financial Management Association, is PCI-DSS Compliant, is annually GAAP audited, and carries an A rating with the Better Business Bureau.

We welcome your business and inquiries. Call us today.

Tommy Cooley Jr

Tommy Cooley, Jr.

Tommy Cooley, Jr., is an experienced businessman of over 20 years. Mr. Cooley currently plays a hands-on role in shaping processes and procedures.

As a second-generation operator with vast account receivable management experience, Mr. Cooley guides the vision and resources of the Collection Bureau of Ft. Walton Beach, Inc. to service its clients and consumers with the utmost respect and convenience. Through the company’s core values of Honesty, Open-Minded, Willingness, and Fairness, Mr. Cooley ensures the highest ethical standards for maintaining all aspects of the business.

As a graduate from the University of West Florida in 2000 with a Marketing Degree, he has a passion for connecting with people. He currently sits on the board of directors for Come as You Are and Second Chance of Northwest Florida non-profit organizations in Bay County, FL. As a lifelong resident of Bay County, Mr. Cooley proudly calls Panama City Beach his home.


Sydney Durr
Chief Operating Officer

Sydney Durr believes in developing relationships with people based on authenticity to help find their strengths and passions. She has performed exemplary services in support of patients and her organization in healthcare administration since 2014.

She has served critical access hospitals, rural health clinics, home healthcare, and non-profit healthcare organizations in leadership roles throughout her career. Mrs. Durr graduated with a BS in Political Science from Black Hills State University in Rapid City, SD, and then completed her Master’s in Health Administration from Capella University. 

Sydney also holds certifications as a Professional Collector Specialist, Professional Collection Management, and a Credit and Collection Compliance Officer.


Samuel Peacock
Director of Sales

Samuel Peacock has served the medical, financial, collections, industrial, commercial, security, imaging, and computer applications industries across a 42-year career. Sam partners with clients by establishing credibility, identifying & growing profitable relationships, opening new markets, creating & presenting compelling revenue growth solutions, and managing of sales & production professionals.

Credentialed in the fields of Engineering (BSChE), Life & Health Insurance (licensed FL & AL), and Business Management (MBA), Sam can help direct client needs towards verified solutions.


Tammy Remar
Collection Supervisor

Tammy Remar is the model of consistency and resolve. She has been with the Collection Bureau of Fort Walton Beach for 25 years. Tammy initially moved to the beautiful white beaches of Ft. Walton Beach from Las Vegas, NV.

Tammy has become a staple of our company and excels at providing prompt and professional communication with clients and consumers. Her vast knowledge and experience in the collection industry help to guide her teams to success. She holds a Professional Collector Specialist designation through ACA International.