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Collection Agency Jobs in Michigan (NOW HIRING)

Christmanco

Senior Payroll Specialist

Lansing, MI · On-site

$30 - $40.75/hr

Fulfills wage garnishment requirements by completing forms; adjusting payroll records, documenting, and transmitting withholdings; negotiating with collection agencies to convert garnishments to wage ...

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The Christman Company

Senior Payroll Specialist

Lansing, MI · On-site

$30 - $40.75/hr

Fulfills wage garnishment requirements by completing forms; adjusting payroll records, documenting, and transmitting withholdings; negotiating with collection agencies to convert garnishments to wage ...

VML

Senior Project Manager

Detroit, MI · On-site

... collection-related client inquiries, addressing requests, and managing scope changes smoothly. What you'll need: * Experience : 5+years of project management experience within a marketing agency ...

Sedgwick

Financial Representative

Southfield, MI · On-site

$25/hr

Refers cases to collection agencies as applicable. * Notifies employees verbally and in writing of claim overpayments. * Responsible for manual calculations of employee benefit overpayments.

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$8

$17

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How much do collection agency jobs pay per hour?

As of Aug 15, 2026, the average hourly pay for collection agency in Michigan is $17.46, according to ZipRecruiter salary data. Most workers in this role earn between $14.04 and $20.10 per hour, depending on experience, location, and employer.

What is the difference between Collection Agency vs Debt Collector?

AspectCollection AgencyDebt Collector
CredentialsVaries; often no specific license, but some states require licensingOften licensed or registered, depending on state laws
Work EnvironmentOffice-based, handling multiple accounts for various clientsField or office-based, focusing on individual debt accounts
Employer & Industry UsageHired by creditors or debt buyers to recover debtsTypically employed by collection agencies or working independently
Search & Comparison IntentYes, often compared for services and reputationYes, often compared for debt recovery practices

In summary, a collection agency is a company that manages debt recovery for multiple clients, often working with various accounts and industries. A debt collector is an individual who works either for a collection agency or independently to recover specific debts. While both roles focus on debt collection, agencies operate as organizations, whereas debt collectors are individuals involved in the process.

What are the key skills and qualifications needed to thrive as a collection agent?

To thrive as a Collection Agent, you need strong negotiation skills, knowledge of debt collection laws, and typically a high school diploma or relevant experience. Familiarity with collection management software, CRM systems, and sometimes certification from organizations like the ACA International are valuable. Excellent communication, resilience, and problem-solving abilities help build rapport and handle challenging conversations effectively. These skills are crucial for maximizing debt recovery while maintaining compliance and positive client relationships.

What is a collection agency?

A collection agency is a company hired by lenders or creditors to recover funds that are past due or in default. These agencies contact debtors by phone, mail, or email to request payment and may negotiate payment plans or settlements. If unsuccessful, they can report the delinquent debt to credit bureaus, potentially affecting the debtor's credit score. Collection agencies must follow laws such as the Fair Debt Collection Practices Act (FDCPA) to ensure ethical and legal practices.

What are some common challenges faced by professionals working in a collection agency, and how can they be addressed?

Professionals in a collection agency often encounter challenges such as handling difficult conversations with customers, meeting collection targets, and managing high volumes of accounts. Building strong communication and negotiation skills is essential for addressing customer concerns empathetically while remaining firm on payment expectations. Many agencies provide ongoing training, team support, and access to technology that streamlines account management, helping employees overcome these challenges and succeed in their roles.
Collection Agency jobs near you
Infographic showing various Collection Agency job openings in Michigan as of August 2026, with employment types broken down into 2% As Needed, 73% Full Time, 11% Part Time, 1% Temporary, and 13% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $36,321 per year, or $17.5 per hour.

Repayment Solutions Specialist (Collections)

Michigan Schools and Government Credit Union

Troy, MI • On-site

$17.50 - $23.75/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 24 days ago

Michigan Schools & Government Credit Union rating

7.5

Company rating: 7.5 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

Job description


Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for more 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in south east Michigan, over 450 team members, 150,000 members, $4 billion in assets, and a 97% member satisfaction rating for two decades. We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. Our dedication to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press thirteen years in a row.
If you have a passion for helping people and providing exceptional and dependable service, we want you on our team!
Information about our comprehensive total rewards package can be found here.
Overview of Responsibilities: Protects MSGCU's assets and develops strong relationships with our members that need special assistance. Analyzes risk through an understanding of MSGCU's collection policies and procedures in conjunction with the laws pertaining to the collection of accounts, fair debt collections practices, and bankruptcy.
Essential Duties and Responsibilities:
  • Manages and resolves past due accounts across various products including real estate, unsecured loans, credit cards, and share accounts. Contacts members to negotiate payment arrangements that restores accounts to good standing. Maintains a high level of professionalism and empathy in all interactions to strengthen member relationships.
  • Analyzes member's overall relationship with MSGCU to develop tailored solutions that enhance cash flow, stabilize member finances, and minimize organizational loss.
  • Utilizes collection software to maintain accurate and comprehensive records of all collection efforts. Keeps leadership informed about account statuses and collection activities to ensure ongoing alignment with organizational goals.
  • Investigates suspicious activities to identify potential fraud. Ensures all collection practices and ensures all collection practices adhere strictly to state and federal regulatory standards.
  • Utilizes skip tracing techniques to locate members and collateral effectively. Coordinates the repossession process and oversees accounts handled by external collection agencies.
  • Assists in the preparation and review of monthly and quarterly reports, including loan loss, monthly delinquency, charge-offs, metrics, and recoveries.
  • Provides support, as necessary, for the broader Repayments Team to ensure excellent support for the organization.

Essential Knowledge, Skills and Abilities:
  • Member Focus: Uses active listening skills to gain understanding and determine the needs of others in order to resolve problems, build strong relationships (internal/external), and deliver member-centric solutions.
  • Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency and enthusiasm.
  • Communicates Effectively: Develops and delivers communications (verbal and written) that convey a clear understanding of the unique needs of different audiences.
  • Instills Trust: Gains the confidence of others by modeling honesty, integrity, authenticity, and behaviors that align with organizational values. Exemplifies courage by stepping up to address difficult issues.
  • Self-Development: Actively seeks new ways to grow and be challenged using formal and informal development channels.
  • Proficient in Microsoft Office products (Word, Excel, Outlook, PowerPoint) and the ability to operate standard office equipment.
  • Knowledge of simple cash accounting records and mathematical proficiency.
  • Understands the basic civil legal process and knows when to place accounts for claim and delivery, civil suit for judgment etc.
  • Functional understanding of bankruptcy laws, fair debt collection practice, and skip tracing techniques.

Essential Preparation and Experience:
  • High school diploma or GED; and
  • 2 years of collections or financial institution experience.

Working Conditions:
  • Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.
  • Occasionally required to travel throughout MSGCU's service area as business needs require.
  • Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.
  • This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.

Compensation and Benefits:
Competitive salaries are just the starting point for MSGCU team members. We also champion our team members with generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job.
  • Base hourly pay begins at $21.75 / hour
  • Medical, dental and vision on your first day! You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family)
  • If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k)
  • You will enjoy 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)

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