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Debt Collection Specialist 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

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 ...

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 ...

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 ...

Main One Mediation Group

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Debt Collection Specialist

Conyers, GA · On-site

$15 - $18/hr

Main One Mediation Group is growing and we're looking for motivated, professional individuals to join our team! We collect on credit cards, installment and auto loan accounts. Pay: $15-$18 per hour ...

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Main One Mediation Group

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Debt Collection Specialist

Conyers, GA · On-site

$15 - $18/hr

Main One Mediation Group is growing and we're looking for motivated, professional individuals to join our team! We collect on credit cards, installment and auto loan accounts. Pay: $15-$18 per hour ...

Urgent

ProCollect

Collection Specialist

Dallas, TX · On-site

$2.0K/wk

***$2,000.00 Hiring Bonus*** *** 1 year of Debt Collection experience is required*** As a Collection Specialist with ProCollect, you will carefully adhere to policies, procedures and laws related to ...

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Debt Collection Specialist information

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$7

$22

$36

How much do debt collection specialist jobs pay per hour?

As of Jul 6, 2026, the average hourly pay for debt collection specialist 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 the 7 7 7 rule for debt collectors?

The 7 7 7 rule for debt collectors refers to a guideline that limits the number of times they can contact a debtor—typically no more than seven calls or messages within seven days, and no more than seven times in total. As a Debt Collection Specialist, understanding such regulations helps ensure compliance with the Fair Debt Collection Practices Act (FDCPA) and maintain ethical communication with clients.

How much money does a debt collector make?

A debt collection specialist typically earns a median annual salary of around $40,000 to $50,000, with some positions offering bonuses or commissions based on recovery performance. Salaries can vary depending on experience, location, and the employer, and the role often requires strong communication and negotiation skills.

What is the difference between Debt Collection Specialist vs Credit Analyst?

AspectDebt Collection SpecialistCredit Analyst
Required CredentialsHigh school diploma, sometimes certifications in collections or financeBachelor's degree in finance, accounting, or related field
Work EnvironmentCollections agencies, financial institutions, or corporate collections departmentsBanks, lending companies, or financial services firms
Employer & Industry UsagePrimarily in debt recovery and collectionsIn credit risk assessment and loan evaluation
Common Search & Comparison IntentUnderstanding roles in debt recoveryAssessing creditworthiness and financial risk

While both roles involve finance and customer interaction, a Debt Collection Specialist focuses on recovering overdue payments, often working in collections agencies or departments. A Credit Analyst evaluates credit data to determine loan eligibility and financial risk. The roles differ in their primary objectives but share some foundational financial knowledge and communication skills.

What qualifications do I need to be a debt collector?

To become a debt collection specialist, 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 prior experience in collections or customer service. Certification is not mandatory but can enhance job prospects.

What does a debt collection specialist do?

A debt collection specialist is responsible for contacting individuals or businesses to recover overdue payments on delinquent accounts. They often use phone calls, emails, and written correspondence, and must follow legal guidelines and company policies while negotiating payment plans or settlements. Strong communication skills and knowledge of debt collection laws are essential for this role.

What are some common challenges Debt Collection Specialists face, and how can they effectively navigate them?

Debt Collection Specialists often encounter challenges such as dealing with unresponsive or distressed debtors, maintaining compliance with federal and state regulations, and achieving collection targets without damaging customer relationships. To navigate these challenges, specialists rely on excellent communication skills, empathy, and strong knowledge of relevant laws like the Fair Debt Collection Practices Act (FDCPA). Proactive problem-solving, ongoing training, and support from experienced team members also help specialists handle difficult situations while staying professional and effective.

What are Debt Collection Specialists?

Debt Collection Specialists are professionals responsible for recovering overdue payments from individuals or businesses on behalf of creditors. They contact debtors via phone, email, or letters, negotiate repayment plans, and maintain accurate records of all collection activities. Their role often requires strong communication and negotiation skills, as well as knowledge of relevant laws and regulations. Debt Collection Specialists may work for collection agencies, financial institutions, or directly within companies that offer credit to customers.

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

To thrive as a Debt Collection Specialist, you need strong negotiation, communication, and analytical skills, typically supported by a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and knowledge of relevant regulations like the Fair Debt Collection Practices Act (FDCPA) are important. Excellent interpersonal skills, patience, and resilience help in building rapport with clients and handling challenging conversations. These abilities are crucial for maximizing debt recovery while maintaining compliance and positive client relationships.
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Debt Collection Specialist jobs near you
Infographic showing various Debt Collection Specialist job openings in the United States as of July 2026, with employment types broken down into 92% Full Time, and 8% Temporary. Highlights an 100% In-person job distribution, with an average salary of $47,832 per year, or $23 per hour.
Debt Collection Specialist

Debt Collection Specialist

Action Collection Service

Boise, ID • On-site

$18.50 - $19.50/hr

Full-time

Medical, Dental, Vision, PTO

Posted 18 days ago

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Job description

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 are looking for someone that is able to negotiate not only payment in full on accounts but payment plans as needed. Excellent communication skills are needed. Attendance is a must. Bilingual skills are a plus. There is potential for commission starting on day one and a $1.00 per hour raise after 90 days. Medical/dental/vision insurance is available after 90 days of full time employment as well. Experience is preferred but we will train the right applicant.

Responsibilities:

- Reviewing open accounts for collection efforts.

- Resolve inbound phone calls and making outbound collection calls in a professional manner while keeping and improving consumer relations.

- Collect consumer payments in accordance with payment due dates.

- Solve problems quickly and create resolutions that bring in revenue on a regular basis.

- Negotiate payment arrangements.

- Maintain or exceed monthly delinquency targets.

- Miscellaneous projects and duties as assigned.

Requirements:

- Effective communication, problem solving, and analytical skills required.

- Must have attention to detail with an eye for accuracy.

- Creative, self-disciplined, and capable of identifying and completing critical tasks independently and with a sense of urgency.

- Must exhibit excellent professional communication skills with a wide range of people.

- A quick and flexible learner with a motivated and positive work ethic.

- Ability to receive feedback and apply coaching.

- A polite, friendly, and diplomatic manner.

- A committed and flexible attitude to the job.

- Must be focused, reliable, and have the proven ability to self-manage in an autonomous work environment.