1

Debt Collection Agency Jobs in Iowa (NOW HIRING)

General Counsel

Des Moines, IA · Hybrid

$109K - $156K/yr

Consults with AG and represents agency in court if directed. Conducts special investigations as ... Review legal documents involving merger and acquisitions and debt financing contracts from ...

Patient Financial Counselor

Sioux City, IA · On-site

$18.75 - $24.50/hr

Counsels patients that have previous debt, with poor payment history, are unresponsive or ... Agencies regarding application progress. • Reviews Department of Human Services decisions for ...

Patient Financial Counselor

Sioux City, IA · On-site

$18.75 - $24.50/hr

Counsels patients that have previous debt, with poor payment history, are unresponsive or ... Agencies regarding application progress. • Reviews Department of Human Services decisions for ...

Debt Collection Agency information

See Iowa salary details

$6

$21

$34

How much do debt collection agency jobs pay per hour?

As of Jul 27, 2026, the average hourly pay for debt collection agency in Iowa is $21.60, according to ZipRecruiter salary data. Most workers in this role earn between $16.92 and $26.88 per hour, depending on experience, location, and employer.

How much do debt collectors earn?

Debt collectors typically earn a median annual salary of around $40,000 to $50,000, with experienced collectors or those in supervisory roles earning higher wages. Compensation can include base pay, commissions, or bonuses, and the job often requires strong communication skills and knowledge of debt collection laws.

What are some typical daily responsibilities for staff at a debt collection agency?

Staff at a debt collection agency typically spend their day contacting debtors via phone, email, or written correspondence to negotiate repayment arrangements and resolve outstanding accounts. They review account histories, update client databases, and escalate unresolved cases as needed. Agencies often work as teams to share best practices and support new hires through ongoing training. Maintaining compliance with relevant laws and company policies is a key focus throughout all daily activities.

What is a Debt Collection Agency job?

A Debt Collection Agency job involves recovering overdue payments from individuals or businesses on behalf of creditors. Professionals in this role contact debtors via phone, email, or letters to negotiate repayment plans, provide payment options, and ensure compliance with relevant laws and regulations. Strong communication, negotiation skills, and persistence are essential for success in this field.

What is the 7 7 7 rule for debt collectors?

The 7-7-7 rule in debt collection refers to a guideline where debt collectors are advised to wait at least 7 days before contacting a debtor again, limit the number of contact attempts to 7 within a certain period, and ensure that they do not contact the debtor more than 7 times in total. This rule is not legally mandated but is used by some agencies to maintain ethical collection practices and avoid harassment. Debt collectors must also adhere to the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, unfair, or deceptive practices during debt collection efforts.

What are the key skills and qualifications needed to thrive in the Debt Collection Agency position, and why are they important?

To thrive as a Debt Collection Agency, you need comprehensive knowledge of debt collection laws, negotiation tactics, and account management processes. Familiarity with specialized collections software, CRM systems, and adherence to regulatory certifications such as the Fair Debt Collection Practices Act (FDCPA) is essential. Outstanding interpersonal skills, resilience, and professionalism are key soft skills for effectively communicating with both clients and debtors. These competencies enable successful debt recovery, maintain client satisfaction, and ensure strict legal compliance.

What qualifications do I need to be a debt collector?

To work as a debt collector, candidates typically need a high school diploma or equivalent. Strong communication, negotiation skills, and knowledge of relevant laws such as the Fair Debt Collection Practices Act are important; some employers may also require training or certification in debt collection practices.

How much money do debt collectors make?

Debt collectors typically earn a base salary that ranges from $30,000 to $50,000 annually, with additional commissions or bonuses based on collection performance. Experienced collectors or those working in specialized agencies can earn higher incomes, sometimes exceeding $60,000 per year. Compensation often depends on factors such as location, experience, and the size of the agency.
What are popular job titles related to Debt Collection Agency jobs in Iowa? For Debt Collection Agency jobs in Iowa, the most frequently searched job titles are:
What job categories do people searching Debt Collection Agency jobs in Iowa look for? The top searched job categories for Debt Collection Agency jobs in Iowa are:
Infographic showing various Debt Collection Agency job openings in Iowa as of July 2026, with employment types broken down into 1% As Needed, 70% Full Time, 13% Part Time, and 16% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $44,927 per year, or $21.6 per hour.

Director of Patient Financial Services

Cass Health

Atlantic, IA • On-site

Full-time

Posted yesterday


Job description

The Director of Patient Financial Services provides operational leadership for key revenue cycle functions, including billing, claims processing, payer follow-up, accounts receivable (AR), payment posting, self-pay management, and collections strategy, as well as patient financial services.
This role ensures that services are converted into accurate, timely reimbursement while maintaining compliance with payer and regulatory requirements and delivering a clear, compassionate financial experience for patients.
Key Responsibilities
  • Provide leadership and oversight for billing, claims follow-up, AR management, payment posting, patient accounts, and financial counseling teams
  • Monitor and improve key performance indicators, including AR days, denial rates, clean claim rates, cash collections, and self-pay collection performance
  • Ensure timely, accurate claim submission and efficient resolution of edits, rejections, and denials
  • Oversee payer follow-up activities and escalate systemic reimbursement issues
  • Partner with Revenue Integrity to reduce denials and improve first-pass yield
  • Ensure accurate payment posting, contractual adjustments, and reconciliation processes
  • Collaborate with Finance and Accounting on cash reconciliation, month-end close, and audit readiness
  • Oversee patient balances, including statements, payment plans, financial assistance, refunds, and in-house early-out and bad debt collection processes
  • Lead and optimize self-pay AR and collections performance, including patient responsibility workflows, payment strategies, and staff performance
  • Establish and monitor performance metrics related to self-pay collections, aging, and recovery rates, identifying opportunities for improvement
  • Ensure a balanced approach to collections that supports both financial stewardship and a positive patient financial experience
  • Develop and optimize strategies for self-pay AR, patient responsibility, and collection agency/vendor performance
  • Ensure compliance with regulatory requirements, including financial assistance policies and the No Surprises Act
  • Support a patient-centered financial experience through clear communication and compassionate service
  • Partner with Patient Access and Revenue Integrity to reduce front-end and mid-cycle errors impacting reimbursement
  • Utilize data and reporting to identify trends, improve workflows, and drive operational performance

Qualifications
  • Bachelor's degree in Healthcare Administration, Business, Finance, or related field required; relevant experience may be considered in lieu of formal education
  • Demonstrated leadership experience, with the ability to manage teams, oversee complex workflows, and drive measurable performance improvement
  • Experience in healthcare revenue cycle operations (billing, claims management, accounts receivable, or related functions) preferred; candidates with strong leadership and operational experience in other industries will also be considered
  • Experience in a Critical Access Hospital (CAH) and/or Rural Health Clinic (RHC) setting preferred, including familiarity with applicable reimbursement methodologies and regulatory requirements
  • Certified Revenue Cycle Representative (CRCR) required within one year of employment
  • Understanding of revenue cycle concepts, financial operations, or reimbursement processes.
  • Working knowledge of medical terminology, CPT, HCPCS, and ICD-10 coding systems preferred
  • Strong analytical, communication, and problem-solving skills
  • High level of professionalism, integrity, and attention to detail

Why Join Cass Health
Cass Health offers a unique opportunity to lead within a well-structured, highly supported revenue cycle environment-something not commonly found in organizations of our size.
Our revenue cycle is intentionally designed with dedicated leadership across front-end, mid-cycle, and back-end functions, allowing this role to focus on what matters most: driving performance, strengthening processes, and leading a high-performing team. You will partner closely with experienced leaders in Patient Access and Revenue Integrity, supported by dedicated Revenue Cycle Systems and Operations Analysts who provide data, system optimization, and hands-on operational support.
This role also benefits from strong executive engagement and support. The CFO is actively involved in revenue cycle strategy, performance improvement, and payer dynamics, providing clear direction, removing barriers, and ensuring the resources needed to succeed. Revenue cycle is a visible and prioritized function at Cass Health, with alignment across leadership and the organization.
Cass Health is a thriving rural health system in southwest Iowa, proudly serving approximately 40,000 unique patients each year. With annual gross revenue of approximately $145 million, nearly 500 team members, and more than 80 providers, we are the largest employer in Cass County and one of the largest Critical Access Hospitals in Iowa.
We support more than 150,000 outpatient encounters annually across our hospital and four rural health clinics, along with a robust inpatient program. Our services span primary care and a wide range of specialties, including surgery, OB/GYN, orthopedics, cardiology, oncology, and more, supported by strong diagnostic and rehabilitation services.
Cass Health has been recognized as a Top 20 Critical Access Hospital by the National Rural Health Association since 2021 and has ranked among the Top 100 Critical Access Hospitals every year since 2017. We were also honored with the HFMA MAP Award for High Performance in Revenue Cycle, reflecting our commitment to strong financial operations.
Beyond operations, we are deeply committed to innovation and workforce development, including launching Iowa's first registered nursing apprenticeship program to build a sustainable pipeline of healthcare professionals.
This is an opportunity to step into a role where the foundation is strong, leadership is engaged, and there is real opportunity to refine, optimize, and elevate performance across the revenue cycle.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.