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Debt Collection Jobs in Michigan (NOW HIRING)

Buckles & Buckles

Collections Specialist

Troy, MI · On-site

$18/hr

No prior debt collection experience required -- we will train you! Responsibilities * Track assigned accounts to identify outstanding debts. * Plan and execute strategies to recover overdue payments.

Mandarich Law Group, LLP

Legal Assistant

Jackson, MI · On-site

$18 - $20/hr

Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting for a Legal Admin for our Jackson, MI office. This a full-time, In ...

Mandarich Law Group, LLP

Legal Assistant

Jackson, MI · On-site

$18 - $20/hr

Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting for a Legal Admin for our Jackson, MI office. This a full-time, In ...

Mandarich Law Group, LLP

Legal Assistant

Jackson, MI · On-site

$18 - $20/hr

Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting for a Legal Admin for our Jackson, MI office. This a full-time, In ...

Mandarich Law Group, LLP

Legal Assistant

Farmington, MI · On-site

$18 - $20/hr

Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting for a Legal Assistant for our Farmington Hills, MI office. This a ...

Mandarich Law Group, LLP

Paralegal

Farmington Hills, MI · On-site

$22 - $28/hr

Description Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting a Paralegal for our Farmington Hills, MI office. This a ...

Mandarich Law Group, LLP

Paralegal

Farmington Hills, MI · On-site

$22 - $28/hr

Description Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting a Paralegal for our Farmington Hills, MI office. This a ...

Mandarich Law Group, LLP

Paralegal

Farmington, MI · On-site

$22 - $28/hr

Description Mandarich Law Group, LLP is a leading debt collection law firm with offices located in multiple states. We are currently recruiting a Paralegal for our Farmington Hills, MI office. This a ...

InstantServe LLC

Agile Scrum Master

Lansing, MI · On-site

$52.25 - $69.75/hr

Experience working with debt collection/servicing systems, payment processing workflows, or financial case management platforms. Understanding of user-centered design, accessibility standards, and ...

Consumers Credit Union (Michigan)

Collector

Kalamazoo, MI · On-site

$16 - $21.50/hr

Knowledge of all aspects of collections, including a good understanding of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and legal aspects of collections. * Good analytical ...

Consumers Credit Union

Collector

Kalamazoo, MI · On-site

$16 - $21.50/hr

Knowledge of all aspects of collections, including a good understanding of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and legal aspects of collections. * Good analytical ...

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Debt Collection information

See Michigan salary details

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How much do debt collection jobs pay per hour?

As of Jun 16, 2026, the average hourly pay for debt collection 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.

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.
What are popular job titles related to Debt Collection jobs in Michigan? For Debt Collection jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Debt Collection jobs in Michigan look for? The top searched job categories for Debt Collection jobs in Michigan are:
Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Michigan as of June 2026, with employment types broken down into 1% Locum Tenens, 2% As Needed, 58% Full Time, 35% Part Time, 1% Temporary, and 3% Contract. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $41,690 per year, or $20 per hour.
Collections Specialist

Collections Specialist

Buckles & Buckles

Troy, MI • On-site

$18/hr

Full-time

Medical, PTO

Posted 21 days ago

Job description

Debt Collector – Legal Collections Department

Full-Time | Onsite | Performance-Based Role

Compensation: $18.00 per hour + uncapped commission potential

About the Role

As a Debt Collector, you will be responsible for collecting outstanding credit card debt owed to our national bank clients. You’ll contact account holders, explain the seriousness and impact of their situation, negotiate repayment plans, and maintain detailed records of all collection efforts.

This is a fast-paced, performance-driven position within our Legal Collections Department, where meeting daily, weekly, and monthly production goals is essential. You will collect on pre- and post-judgment accounts in Michigan, Wisconsin, and Kansas, including bank credit cards, personal loans, and retail credit cards.

No prior debt collection experience required — we will train you!

Responsibilities

  • Track assigned accounts to identify outstanding debts.
  • Plan and execute strategies to recover overdue payments.
  • Locate and contact debtors to determine payment status.
  • Negotiate payoff deadlines or structured payment plans.
  • Address questions, concerns, or complaints with professionalism.
  • Investigate and resolve discrepancies in account information.
  • Build trust with account holders to reduce future issues.
  • Update account statuses and maintain accurate records in databases.
  • Escalate cases of unwilling or unable account holders to management when necessary.
  • Comply with all applicable federal and state collection laws and firm policies.

Qualifications

We’re looking for motivated individuals who bring professionalism, persistence, and compassion to every conversation. The ideal candidate will have:

  • Experience: Prior debt collection experience preferred, but NOT required.
  • Performance Mindset: Ability to work toward daily/weekly/monthly targets and meet deadlines.
  • Legal Awareness: Knowledge of (or willingness to learn) federal and state collection laws.
  • Technical Skills: Familiarity with collection software, MS Office, and databases.
  • Communication Skills: Strong interpersonal, negotiation, and persuasion abilities.
  • Professionalism: Polite, empathetic, and confident in handling sensitive situations.
  • Education: High school diploma preferred.
  • Reliability: Strong attendance record and ability to multitask efficiently.

Requirements

  • Must pass a drug test (Our current testing panel excludes THC.)
  • Must pass a criminal background check.
  • Must pass a credit check.
  • Must be able to type 30+ words per minute.

Benefits

  • Flexible schedule that supports work-life balance
  • Parental Leave – Paid maternal and paternal leave
  • Overtime pay
  • Medical insurance + reimbursement for vision and dental
  • Paid time off and paid holidays
  • Paid training and on-the-job development
  • Quarterly team-building luncheons
  • Annual multi-course year-end celebration in Downtown Birmingham
  • Employee referral bonus program
  • Employee of the Month/Quarter awards with recognition and perks

Company Description

Since 1976, Buckles & Buckles PLC has represented national banks in litigation with a commitment to effective, ethical, and compliant consumer debt collection. As an AV-rated, multi-state firm, we are proud to be recognized by our clients and the NCBA for compliance excellence, performance, and community service.