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Debt Collection Agency Jobs in Michigan (NOW HIRING)

Collector

Ann Arbor, MI ยท On-site

$16.75 - $22.25/hr

The Collector is also responsible for related legal action, settlement and debt workout situations ... Associate's degree, or a minimum of 3 years financial institution or collection agency experience ...

You collaborate with credit counseling agencies and attend court hearings as a representative of ... You review past-due accounts and make recommendations for escalated debt collection steps and loss ...

You collaborate with credit counseling agencies and attend court hearings as a representative of ... You review past-due accounts and make recommendations for escalated debt collection steps and loss ...

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Debt Collection Agency information

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How much do debt collection agency jobs pay per hour?

As of Jul 31, 2026, the average hourly pay for debt collection agency in Michigan is $20.04, according to ZipRecruiter salary data. Most workers in this role earn between $15.72 and $24.95 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 the most commonly searched types of Debt Collection Agency jobs in Michigan? The most popular types of Debt Collection Agency jobs in Michigan are:
What are popular job titles related to Debt Collection Agency jobs in Michigan? For Debt Collection Agency jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Debt Collection Agency jobs in Michigan look for? The top searched job categories for Debt Collection Agency jobs in Michigan are:
Infographic showing various Debt Collection Agency job openings in Michigan as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution, with an average salary of $41,690 per year, or $20 per hour.

Debt Settlement Specialist - MI

Stillman Law Office

Farmington, MI โ€ข On-site

$18 - $20/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted yesterday

New


Job description

Location: Farmington Hills, Michigan (Onsite)
Compensation: $18.00 - $20.00 per hour, based on experience and qualifications.

About Stillman Law Office

Stillman Law Office is a multi-state creditors' rights law firm headquartered in Farmington Hills, Michigan. We are committed to delivering exceptional client service while maintaining the highest standards of professionalism, compliance, and operational excellence.

As our organization continues to grow, we are seeking a motivated and detail-oriented Debt Settlement Specialist to join our Collections Department. This role is ideal for an individual who enjoys communicating with consumers and external representatives, negotiating solutions, and helping resolve accounts through professional and effective communication.

Position Summary

The Debt Settlement Specialist is responsible for supporting account resolution efforts through outbound communications, email correspondence, and consumer portal interactions. This position works directly with Debt Settlement Agencies and consumers to negotiate settlements, discuss account resolution options, and facilitate positive outcomes for all parties.

The ideal candidate is a strong communicator, organized, customer-focused, and comfortable managing both phone and email-based negotiations in a fast-paced environment.

Key Responsibilities
  • Conduct outbound calls to Debt Settlement Agencies (DSAs) and consumers regarding account resolution opportunities.
  • Negotiate settlement arrangements within established guidelines and authorization limits.
  • Manage incoming and outgoing communications through email, consumer portals, and telephone interactions.
  • Respond professionally and promptly to inquiries from Debt Settlement Agencies, consumers, and other stakeholders.
  • Review account information and assess available resolution options based on established policies and procedures.
  • Accurately document communications, settlements, and account activity within the Firm's systems.
  • Maintain a strong understanding of settlement programs, account statuses, and available resolution strategies.
  • Collaborate with team members and leadership to achieve departmental performance objectives.
  • Identify communication trends, recurring issues, and opportunities for process improvement.
  • Ensure all interactions are conducted in compliance with applicable laws, regulations, client requirements, and Firm policies.
  • Deliver exceptional customer service while balancing productivity, quality, and compliance expectations.
QualificationsRequired
  • High school diploma or equivalent.
  • Strong written and verbal communication skills.
  • Excellent customer service and interpersonal skills.
  • Ability to negotiate effectively and professionally.
  • Strong attention to detail and organizational skills.
  • Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
  • Proficiency in Microsoft Office Suite, including Outlook, Word, and Excel.
  • Ability to work collaboratively within a team environment while maintaining individual accountability.
Preferred
  • Prior collections, customer service, call center, account resolution, negotiation, or debt settlement experience.
  • Experience communicating with consumers regarding payments, settlements, or account resolution.
  • Familiarity with collection laws, regulations, and compliance requirements.
  • Experience working with email-based customer support and account management.
  • Familiarity with collection management platforms and legal case management systems, including Cogent.
Skills & Abilities
  • Strong negotiation and conflict resolution skills.
  • Professional and confident communication style.
  • Ability to build rapport and maintain productive business relationships.
  • Sound judgment and decision-making abilities.
  • Strong attention to detail and accuracy.
  • Self-motivated with a results-oriented mindset.
  • Ability to adapt to changing priorities and departmental needs.
  • Commitment to providing exceptional service while maintaining compliance standards.
Benefits

Stillman Law Office offers a competitive benefits package designed to support the health, well-being, and professional growth of our employees, including:

  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Life insurance
  • 401(k)
  • Paid time off (PTO)
  • Monthly Performance Bonus
  • Opportunities for professional growth and advancement
  • Collaborative and team-oriented work environment
Pre-Employment Requirements

Employment is contingent upon successful completion of:

  • Background check
  • Drug screening
Equal Employment Opportunity

Stillman Law Office is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other protected characteristic under applicable law.

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