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Debt Collection Jobs in Iowa (NOW HIRING)

Blitt and Gaines, P.C.

Debt Collector

Des Moines, IA

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the nation's largest financial institutions. With nine offices across Arizona, Arkansas, Illinois ...

34259 - Blitt and Gaines PC

Debt Collector

Des Moines, IA · On-site

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the nation's largest financial institutions. With nine offices across Arizona, Arkansas, Illinois ...

Blitt and Gaines

Debt Collector

Des Moines, IA · On-site

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the nation's largest financial institutions. With nine offices across Arizona, Arkansas, Illinois ...

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All JobsDebt Collection JobsDebt Collection Jobs in Iowa

Debt Collection information

See Iowa salary details

$6

$21

$34

How much do debt collection jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for debt collection 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.

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.

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 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 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.

How to get a job as a debt collector?

To become a debt collector, candidates typically need a high school diploma or equivalent and must pass a background check. Relevant skills include communication, negotiation, and knowledge of debt collection laws; some employers may require certification or training programs. Entry-level positions often involve on-the-job training and may require a valid driver's license for fieldwork.

Is it hard to be a debt collector?

Being a debt collector can be challenging as it requires strong communication skills, persistence, and the ability to handle difficult conversations. The job often involves working under pressure to meet collection targets and may require knowledge of relevant laws and regulations. Success in this role depends on interpersonal skills and resilience.

What qualifications do I need to be a debt collector?

To become a debt collector, candidates typically need a high school diploma or equivalent. Employers often require good communication skills, the ability to handle stressful situations, and may provide on-the-job training; some positions may also require a valid driver's license and background checks. Certification is not mandatory but can enhance job prospects and credibility in the field.

What are the most commonly searched types of Debt Collection jobs in Iowa?

The most popular types of Debt Collection jobs in Iowa are:

What are popular job titles related to Debt Collection jobs in Iowa?

For Debt Collection jobs in Iowa, the most frequently searched job titles are:

What job categories do people searching Debt Collection jobs in Iowa look for?

The top searched job categories for Debt Collection jobs in Iowa are:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Iowa as of August 2026, with employment types broken down into 1% As Needed, 75% Full Time, 22% Part Time, and 2% Contract. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $44,927 per year, or $21.6 per hour.

Debt Collector

Blitt and Gaines, P.C.

Des Moines, IA

$18 - $25/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 29 days ago

Key responsibilities

  • Manage a high volume of inbound and outbound calls to recover past-due accounts.

  • Negotiate payment arrangements and settlements in accordance with guidelines.

  • Ensure compliance with all applicable federal and state laws and internal policies.

Job description

Description

About Blitt and Gaines, P.C.


Blitt and Gaines, P.C. is a leading debt collection law firm with over 30 years of experience representing most of the nation's largest financial institutions. With nine offices across Arizona, Arkansas, Illinois, Indiana, Iowa, Kansas, Missouri, Tennessee, and Wisconsin, our attorneys and support teams deliver high-quality, compliant, and ethical legal services.


At the heart of our firm are people-our clients, our employees, and the partnerships we build. Guided by our philosophy-Collect Compliantly. Litigate Ethically. Lead Effectively. Exceed Expectations. Expect Excellence-we uphold integrity, respect, and fairness in every interaction.


Job Summary:


Blitt & Gaines, P.C. is seeking a motivated and detail-oriented Collector to join our dynamic Collections team. In this role, you will represent our firm and its clients by managing and recovering past-due accounts while maintaining a professional, respectful, and customer-centric approach. You'll engage directly with consumers and authorized third parties, negotiate payment solutions, and ensure compliance with all relevant regulations.


If you're a strong communicator, a skilled negotiator, and thrive in a fast-paced, results-driven environment, we'd love to connect with you.


Essential Duties:

  • Manage a high volume of inbound and outbound calls in a fast-paced collections environment
  • Maintain and update assigned accounts within the collections system daily
  • Monitor and respond to client voicemail boxes, documenting and resolving messages promptly
  • Negotiate payment arrangements and settlements in accordance with company and client guidelines
  • Accurately update customer account information and notes 
  • Verify and confirm customer account details and banking information
  • Process secure payments and update payment methods as needed 
  • Investigate and resolve discrepancies on accounts
  • Communicate professionally with consumers, attorneys, and third-party representatives
  • Ensure adherence to all applicable federal and state laws (e.g., FDCPA) and client/firm compliance policies 
  • Assist the team with projects and other departmental tasks assigned

Performance Expectations:

Performance is measured monthly through scorecards evaluating:

  • Productivity metrics
  • Compliance with regulatory and internal standards
  • Attendance and punctuality

Performance is benchmarked against peers with rankings provided.

Requirements

Education/Experience:

  • Previous collections experience required
  • High school diploma required; associate or bachelor's degree preferred
  • Experience in collections, customer service, sales, call centers, or QA is a plus
  • Familiarity with collections software and systems (e.g., CLS, Microsoft Office Suite)
  • Solid understanding of federal and state debt collection laws, including FDCPA

Knowledge/Skills/Abilities:

  • Excellent verbal and written communication skills
  • Strong negotiation and problem-solving abilities
  • High attention to detail and organizational skills 
  • Professional demeanor with a customer-first attitude
  • Ability to multitask, prioritize, and manage time effectively
  • Self-motivated, accountable, and able to work independently
  • Positive mindset with adaptability and drive to learn
  • Comfortable working in a performance driven, bonus structured environment 

What We Offer:

  • Competitive base pay
  • Monthly performance-based bonus opportunities 
  • Paid Time Off (PTO) and Paid Holidays
  • Comprehensive benefits package: Medical, Dental, Vision, Life Insurance
  • Short-Term Disability 
  • 401 (k) retirement plan
  • Profit sharing 
  • Professional Growth and Advancement Opportunities

Join Our Team

At Blitt & Gaines, P.C., we're committed to fostering a supportive, inclusive, and high-performance workplace. If you're looking to build your career in collections while making a meaningful impact, we encourage you to apply today! 

Apply