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Debt Collection Jobs in Michigan (NOW HIRING)

Methode Electronics, Inc

Collection Specialist

Southfield, MI · On-site

$17 - $23/hr

Collection experience required - 5-8 years B2B, automotive experience * Microsoft Office proficiency - strong skills - Excel (i.e., VLOOKUP and Pivot Tables), Word, and Outlook * Strong customer ...

Methode Electronics

Collection Specialist

Southfield, MI · On-site

$17 - $23/hr

Collection experience required - 5-8 years B2B, automotive experience * Microsoft Office proficiency - strong skills - Excel (i.e., VLOOKUP and Pivot Tables), Word, and Outlook * Strong customer ...

Hetronic USA

Collection Specialist

Southfield, MI · On-site

$17 - $23/hr

Collection experience required - 5-8 years B2B, automotive experience * Microsoft Office proficiency - strong skills - Excel (i.e., VLOOKUP and Pivot Tables), Word, and Outlook * Strong customer ...

Gateway Financial Solutions

Legal Recovery

Saginaw, MI · On-site

Make/monitor payment arrangements with debtors * Understanding bankruptcy paperwork as it pertains to our collection methods * Ability to successfully and professionally communicate with team ...

DORT FINANCIAL CU

Member Solutions Manager

Grand Blanc, MI · On-site

$110K - $122K/yr

Oversees third party vendor management for the collections arena, collection system configuration ... Negotiates with debtor and creditor counsel on Reaffirmation Agreements, Chapter 13 Bankruptcy ...

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$31

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.

Billing, Collections and Accounts Receivable Specialist

Future Soft IT

Ypsilanti, MI

$18.25 - $24.25/hr

Contractor

Posted 27 days ago

Job description

BILLING, COLLECTIONS AND ACCOUNTS RECEIVABLE SPECIALIST - YPSILANTI
WINTEGRITY is searching for an energetic and enthusiastic Billing, Collections & Accounts Receivable Specialist skilled with collecting outstanding invoices, high-volume outbound calls and resolution on customer billing issues.
KEYS:

  • 2-3 years' experience with Billing,Collections& Accounts Receivable!
  • Must have experience with high volume calls
  • Customer serviceandaccount management experience
  • Proven experienceas a Collection Specialist and experienced working with ERP systems (Ideally NetSuite)
  • Working knowledge of MS Officeanddatabases

POSITION SUMMARY
As aBilling, Collections and Accounts Receivable Specialist you will be required to contact clientsandcollect outstanding payments. Contact includes making multiple phone calls, emails, text messages, per day. As part of the BillingandCollectionsteam the associate are responsible for other aspects ofcollections, such as resolving customer billing problems by updating customer contact information,andother issues as required.
PERFORMANCE OBJECTIVES

  • Monitor accounts to identify outstanding debts
  • Investigate historical data for each debt or bill
  • Findandcontact clients to ask about their overdue payments
  • Expected to make 75-80 outbound collection calls per day.
  • Take actions to encourage timely debt payments
  • Process paymentsandrefunds
  • Resolve billingandcustomer issues
  • Update account status recordsandcollection efforts
  • Report on collection activityandaccounts receivable status

KEY COMPETENCIES

  • 2-3 years' experience with Billing,Collectionsor Accounts Receivable
  • Customer serviceandaccount management experience
  • Proven experienceas a Collection Specialist or similar role
  • Knowledge of billing proceduresandcollection techniques
  • Familiarity with AIA billingandlien waivers
  • Working knowledge of MS Officeanddatabases
  • Patienceandability to manage stress
  • Excellent communication skills (writtenandoral)
  • Outstanding Attitude, Positive mindset,andwillingness to smile in the face of adversity
  • Problem-solving skills, attention to detail,anddrive to succeed

EDUCATION

  • High School Diploma or GED (required)
PHYSICAL REQUIREMENTS
  • Reasonable accommodations may be made to enable individuals with disabilities to fulfil the essential requirements
  • Prolonged periods of sitting at a deskandworking on a computer

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