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Debt Collection Jobs (NOW HIRING)

Action Collection Service

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Debt Collection Specialist

Boise, ID · On-site

$18.50 - $19.50/hr

ACS Inc. is looking for a Collection Specialist who can help us achieve our company goals. The ideal applicant will be responsible for collecting past due accounts from our extensive portfolio. We ...

DS Erickson & Associates PLLC

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Debt Collection Specialist

Eagan, MN · On-site

$38K - $55K/yr

Analyze files, data and leads to generate high-quality contact information for the collection team. * Discovery & Research: Conduct deep-dive research into employment, property records, and financial ...

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DS Erickson & Associates PLLC

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Debt Collection Specialist

Eden Prairie, MN · On-site

$38K - $55K/yr

Analyze files, data and leads to generate high-quality contact information for the collection team. * Discovery & Research: Conduct deep-dive research into employment, property records, and financial ...

Urgent

DS Erickson & Associates PLLC

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Debt Collection Specialist

Edina, MN · On-site

$38K - $55K/yr

Analyze files, data and leads to generate high-quality contact information for the collection team. * Discovery & Research: Conduct deep-dive research into employment, property records, and financial ...

Urgent

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

No evenings or weekends D & A Services is an experienced debt collection agency that services the largest debt purchasers as well as direct bank issuers. We were established in 2010 and we pride ...

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

No evenings or weekends D & A Services is an experienced debt collection agency that services the largest debt purchasers as well as direct bank issuers. We were established in 2010 and we pride ...

Law Firm

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Debt Collection Specialist

Islandia, NY · On-site

$22 - $24/hr

Now Hiring: Account Resolution Specialist - Collections Agent Islandia, NY | Join a High-Energy, High-Reward Team! Are you a persuasive communicator with a passion for problem-solving? Ready to turn ...

Credit Control LLC

Debt Collection Agent -Remote

Tampa, FL · On-site

$18 - $22/hr

We are currently looking for a full-time Debt Collection experience in collections. We offer industry-leading bonus structures and benefits! Work From Home Collection Agent Responsibilities: * Handle ...

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Debt Collection information

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$7

$22

$36

How much do debt collection jobs pay per hour?

As of Jun 21, 2026, the average hourly pay for debt collection in the United States is $23.00, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $28.61 per hour, depending on experience, location, and employer.

What is a simple definition of debt?

Debt is money owed by an individual or organization to another party, typically resulting from borrowing funds or receiving credit. In debt collection jobs, understanding the nature of debt helps in communicating with debtors and managing repayment processes effectively.

What are the key skills and qualifications needed to thrive as a Debt Collector, and why are they important?

To thrive as a Debt Collector, you need strong negotiation abilities, knowledge of financial regulations, and typically a high school diploma or equivalent. Familiarity with collections management software, customer relationship management (CRM) systems, and sometimes certification in debt collection practices is beneficial. Excellent communication, resilience, and problem-solving skills help build rapport and handle difficult conversations with debtors. These skills are crucial for maximizing successful collections while maintaining compliance and positive client relationships.

What is the difference between Debt Collection vs Credit Analyst?

AspectDebt CollectionCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collectionsBachelor's degree in finance, economics, or related field
Work EnvironmentCollections agencies, banks, or credit firms; often fast-paced and target-drivenBanking institutions, corporations; analytical and office-based
Employer & Industry UsageUsed by debt collection agencies, financial institutionsUsed by banks, credit companies, and financial services

Debt Collection and Credit Analyst roles share some financial knowledge but differ in focus. Debt collectors primarily recover overdue payments, often working in high-pressure environments, while credit analysts evaluate creditworthiness to inform lending decisions. Both roles require financial understanding but serve different functions within the credit industry.

What happens after 7 years of not paying debt?

In debt collection, unpaid debts typically become time-barred after seven years, meaning creditors can no longer sue to collect the debt. However, the debt may still appear on your credit report for up to seven to ten years, potentially affecting your credit score. As a debt collector, understanding statutes of limitations and credit reporting rules is essential for advising clients or managing collections effectively.

How to pay off $50,000 in debt in 1 year?

A debt collection professional can assist by negotiating payment plans or settlements with creditors to reduce the debt amount. Managing such a large debt within a year requires disciplined budgeting, increasing income through additional work or sales, and possibly consolidating debt to lower interest rates. Strong organizational skills and financial knowledge are essential for developing effective repayment strategies.

What are some common challenges faced by debt collectors and how can they be managed effectively?

Debt collectors often encounter challenges such as dealing with uncooperative or distressed customers, managing high call volumes, and adhering to strict regulatory requirements. Effective communication skills, empathy, and resilience are crucial for handling difficult conversations and finding solutions that work for both the debtor and the organization. Many companies provide ongoing training, team support, and access to compliance resources to help collectors navigate these challenges and maintain high ethical standards.

What is debt collection?

Debt collection is the process of pursuing payments of debts owed by individuals or businesses. Collection agencies or internal company departments contact debtors to recover outstanding amounts, often after the original creditor has been unsuccessful in collecting the debt. The process may involve phone calls, written notices, and in some cases, legal action. Debt collectors must follow regulations that protect consumers, such as the Fair Debt Collection Practices Act (FDCPA) in the United States. The goal is to recover as much of the owed amount as possible while complying with legal and ethical standards.

Is $20,000 a lot of debt?

In debt collection, $20,000 is considered a significant amount of debt that may require specialized negotiation skills and understanding of debt laws. Collectors often prioritize larger debts and may use various tools to recover the amount owed. The severity of the debt can influence the collection process and strategies used by professionals in the field.
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Debt Collection jobs near you
Infographic showing various Debt Collection job openings in the United States as of June 2026, with employment types broken down into 1% Locum Tenens, 3% As Needed, 51% Full Time, 44% Part Time, and 1% Temporary. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $47,832 per year, or $23 per hour.

Debt Collection Specialist

MBA CONSULT US LLC

Mount Pleasant, SC • Remote

$20 - $22/hr

Full-time

Posted 29 days ago

Job description

Debt Collection Specialist – Remote

MBA CONSULT US LLC is seeking a motivated and professional Debt Collection Specialist to join our growing remote team. This is an excellent opportunity for someone who thrives in a fast-paced environment, has strong communication skills, and is committed to achieving results while maintaining respectful and positive customer relationships.
Working Hours
Tuesday to Saturday
12:00 noon – 20:00 ( Eastern Time Zone)
Salary
Up to $22 per hour, depending on experience and qualifications.
Key Responsibilities
  • Manage and resolve outstanding debt accounts through professional communication.

  • Negotiate payment arrangements and settlements to maximise recoveries.

  • Maintain accurate records of all customer interactions and account activity.

  • Conduct skip tracing to locate customers and ensure timely follow-up.

  • Work closely with colleagues to improve collection strategies and performance.

  • Ensure full compliance with federal and state debt collection regulations.

  • Deliver excellent customer service during challenging conversations.

  • Prepare reports on collection performance and account progress.

Requirements
  • Previous experience in debt collection, collections, or a related field preferred.
  • Strong negotiation and communication skills.
  • Ability to handle sensitive situations professionally and with empathy.
  • Knowledge of FDCPA regulations is an advantage.
  • Good computer skills, including Microsoft Office and collection software.
  • Strong attention to detail and organisational skills.
  • Ability to work independently while contributing to a team environment.
  • High school diploma or equivalent (additional education is a plus).
About Us
MBA CONSULT US LLC has been a trusted provider of debt recovery solutions for over a decade, serving clients in South Carolina and beyond. We are committed to ethical practices, excellent service, and creating a positive working environment where employees feel valued, supported, and empowered.
If you are driven, professional, and ready to join a growing company, we would love to hear from you.