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How much do collections customer service jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for collections customer service in the United States is $19.67, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $21.63 per hour, depending on experience, location, and employer.

What is the difference between Collections Customer Service vs Collections Specialist?

AspectCollections Customer ServiceCollections Specialist
CredentialsHigh school diploma or equivalent; customer service experienceHigh school diploma; some roles may prefer related certifications
Work EnvironmentCall centers, customer service departmentsCollections agencies, finance departments
Employer & IndustryFinancial institutions, debt collection companiesBanking, credit companies, debt recovery firms
Primary FocusAssisting customers, resolving billing issuesRecovering overdue payments, managing accounts

Collections Customer Service roles focus on assisting customers with billing inquiries and resolving issues, emphasizing communication skills. Collections Specialists concentrate on recovering overdue payments and managing delinquent accounts, often requiring more targeted debt recovery knowledge. Both roles are vital in the finance industry but differ in responsibilities and skill emphasis.

What are some common challenges faced by collections customer service representatives, and how can they be managed effectively?

Collections Customer Service representatives often encounter challenges such as handling difficult or distressed customers, negotiating payment arrangements, and maintaining compliance with regulations. Effective communication skills, empathy, and patience are vital for navigating these situations while still meeting collection goals. Many organizations provide training and ongoing support to help representatives manage stress and stay updated on best practices. Collaborating closely with team members and supervisors can also help in finding solutions to complex cases.

What is a collections customer service representative?

Collections Customer Service representatives are professionals who work with customers to address overdue accounts and assist them in resolving outstanding debts. Their role involves contacting customers, discussing payment options, answering questions about account balances, and helping to set up payment plans. They also ensure that all collection practices follow legal and company guidelines while maintaining a positive and respectful relationship with customers. Strong communication, negotiation, and problem-solving skills are essential for success in this position.

What are the key skills and qualifications needed to thrive as a collections customer service representative?

To thrive as a Collections Customer Service Representative, you need strong communication skills, negotiation abilities, and a basic understanding of finance, typically supported by a high school diploma or equivalent. Familiarity with collections software, CRM systems, and telephony tools is commonly required. Patience, resilience, and problem-solving skills set top performers apart when dealing with challenging customer interactions. These capabilities are vital for recovering outstanding debts while maintaining positive customer relationships and adhering to compliance standards.

Is working in collections customer service a good job?

Collections customer service involves contacting customers to recover overdue payments, requiring strong communication and negotiation skills. The job can offer steady employment and opportunities for advancement, but it may involve high-pressure interactions and sometimes challenging customer responses.

What states have the most Collections Customer Service jobs?

States with the most job openings for Collections Customer Service jobs include:

Collections Customer Service jobs near you
Infographic showing various Collections Customer Service job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 19% Part Time, and 3% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $40,910 per year, or $19.7 per hour.

Collections/Customer Service Clerk

Riverhead Building Supply Corp.

Calverton, NY

$20 - $25/hr

Full-time

Life, Retirement

Re-posted 13 days ago

Riverhead Building Supply rating

9.4

Company rating: 9.4 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Collections/Customer Service Clerk - Full Time Responsibilities:

Job Description

  • Proactively manage customer accounts through strategic collections efforts, utilizing data-driven approaches to review overdue balances and develop tailored recovery strategies that maintain positive customer relationships
  • Actively pursue outstanding payments through persistent and professional outbound collection calls, emails, and faxes
  • Prepare and send credit memos, invoices, statements, and collection letters via mail, email, or fax
  • Communicate with internal and external customers by telephone, mail, email and fax to investigate complaints, verify accuracy of charges, or to correct errors in accounts
  • Account reconciliation

Collections/Customer Service Clerk - Full Time Qualifications:

  • Effective decision-making
  • Strong attention to detail
  • Highly self-motivated with excellent organizational and communication skills and professional phone etiquette.
  • Ability to work both independently and as a team player, record accurate and detailed notes
  • Assist with various A/R functions as needed including handling returned checks
  • Demonstrate proficiency in navigating multiple software systems, with advanced skills in Microsoft Office Suite
  • Foster a professional rapport with customers
  • Proven experience in collections with a track record of successful debt recovery and relationship management in B2B or retail financial environments. Candidates who demonstrate strategic communication and consistent performance will be preferred.

Collections/Customer Service Clerk - Building Supplies Industry

We are a Leading Building Supplies Company with a Vibrant Team of 800+ Professionals Serving Long Island, Connecticut, Rhode Island, and Massachusetts.

For NYS transparency, the expected salary range is $20.00 - $25.00 per hour. Actual compensation will be commensurate with experience and in compliance with applicable laws.

Collections/Customer Service Clerk– Great opportunity to work for a growing company and  build on your knowledge and skills to grow your career!

At RBS, you will have:

  • Amazing people to work with that help you succeed.
  • Work/life balance with a culture of kindness and respect.
  • Company-hosted family events.
  • Rewarding careers with supportive management. 
  • Participation in philanthropic activities in the community.
  • Professional Development | On-site & virtual training
  • Stability from our long history of success and growth.
  • Superior benefits including 401K, Med/Dent/Rx, LTD, Life, Ancillary benefits, Flex Spending, discounts & more
  • The opportunity to grow your career and move up the ladder!

Core Values

We are committed to a culture that reflects our values. All team members are expected to model these in every interaction:

  • Championing Customer Needs – Prioritize customer satisfaction and service excellence.
  • Acting with Honesty and Integrity – Do the right thing, always.
  • Following Policies and Procedures – Ensure compliance and consistency.
  • Working Safely – Promote a safe and healthy work environment.
  • Teamwork – Collaborate, support, and treat others with respect

Riverhead Building Supply is an Equal Opportunity Employer that respects the worth and dignity of all employees.

EOE, including but not limited to disability and veteran status.

For more information, call: 631.591.8100

Collections/Customer Service Clerk

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