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Debt Collection Jobs in Minnesota (NOW HIRING)

As Collection Service Representative (collector), you will be contacting our clients' customers to find solutions on accounts that are in arrears, to identify potential credits or disputes, and to ...

Collector

Saint Paul, MN · On-site

$25.20 - $28.50/hr

Responsible for all collection activities for the credit union. * Responds to all member and ... Experience in bankruptcy and debt restructuring preferred Demonstrated Knowledge * Intermediate ...

Credit Collections specialist

Saint Cloud, MN · On-site

$21.50 - $28.75/hr

Daily review of aging reports to identify invoices that are approaching average collection periods. Contact customers verbally and in writing according to collection policies * Monitor the ...

... debt. WHAT YOU'LL BE DOING: * Servicing a portfolio of defaulted and problem accounts. * Recovering value through appropriate collection and judicial processes, including repossession and replevin ...

... debt. WHAT YOU'LL BE DOING: * Servicing a portfolio of defaulted and problem accounts. * Recovering value through appropriate collection and judicial processes, including repossession and replevin ...

... debt. WHAT YOU'LL BE DOING: * Servicing a portfolio of defaulted and problem accounts. * Recovering value through appropriate collection and judicial processes, including repossession and replevin ...

Pet Care Assistant

Coon Rapids, MN · On-site

$15 - $17.47/hr

... collection and removal and instrument cleaning as outlined by hospital protocols Other job duties ... Best-in-Class Student Debt Relief Program (for Full-Time DVMs): At Banfield, we understand the ...

Pet Care Assistant

Coon Rapids, MN · On-site

$15 - $17.47/hr

... collection and removal and instrument cleaning as outlined by hospital protocols • Other job ... Best-in-Class Student Debt Relief Program (for Full-Time DVMs): At Banfield, we understand the ...

... debt. WHAT YOU'LL BE DOING: * Servicing a portfolio of defaulted and problem accounts. * Recovering value through appropriate collection and judicial processes, including repossession and replevin ...

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Debt Collection information

See Minnesota salary details

$7

$22

$35

How much do debt collection jobs pay per hour?

As of Jun 26, 2026, the average hourly pay for debt collection in Minnesota is $22.52, according to ZipRecruiter salary data. Most workers in this role earn between $17.64 and $28.03 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 Minnesota? For Debt Collection jobs in Minnesota, the most frequently searched job titles are:
What cities in Minnesota are hiring for Debt Collection jobs? Cities in Minnesota with the most Debt Collection job openings:
Infographic showing various Debt Collection job openings in Minnesota as of June 2026, with employment types broken down into 96% Full Time, 3% Part Time, and 1% Temporary. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $46,847 per year, or $22.5 per hour.
Customer Service Representative, Patient Financial Services

Customer Service Representative, Patient Financial Services

HealthPartners

Bloomington, MN • On-site

$16 - $21.75/hr

Other

Medical, Dental, Retirement

Posted 9 days ago


HealthPartners rating

7.7

Company rating: 7.7 out of 10

Based on 130 frontline employees who took The Breakroom Quiz

158th of 876 rated healthcare providers


Job description

Park Nicollet is looking to hire a Customer Service Representative to join our Patient Financial Services (PFS) team! Come join us as a Partner for Good and help us make an impact on the care and experience that our patients and their families receive every day. 

Position Summary:

The customer service representative thoroughly researches and resolves concerns related to billing, insurance, or the patient's ability to pay. The customer service representative must ensure the patient concerns and issues are resolved in a timely and accurate manner in accordance with organizational policies and procedures, as well as the Attorney General Agreement and Federal regulations. The customer service representative perform tasks related to: obtaining payment over the telephone or in person from patient/guarantor, resolving patient's balances by offering and accepting all appropriate payment arrangements, updating incomplete or missing information on accounts to ensure that billing is correct, provide accurate information and facilitate resolution to patients and third party inquiries, offering Financial Assistance and/or directing patients to the appropriate Government Assistance Programs. Always representing the company in a professional and positive manner and following the Attorney General Agreement and Federal regulations. Effective performance of these functions helps the organization achieve strong cash flow and maximize patient's satisfaction.

Required Qualifications:

Education, Experience or Equivalent Combination:

  • One-year related work experience as a customer service/collections or revenue cycle professional.

Knowledge, Skills, and Abilities:

  • Self-motivation, problem resolution including professionalism and composure is required.
  • Moderate proficiency with word processing, spreadsheets and email is required.
  • Working knowledge of typical office equipment is expected.

Preferred Qualifications: 

Knowledge, Skills, and Abilities:

  • Strong computer literate/typing skills.
  • Excellent verbal and written communication skills, including excellent phone etiquette.
  • Proactive problem solver, foster teamwork and trust, be highly skilled in prioritizing and organizing.
  • Understanding of the Fair Debt Collection Practices, Attorney General Agreement, Affordable Care Act, and general familiarity with bankruptcy laws is preferred.
  • Strong communication and interpersonal skills, including ability to professionally respond in situations involving conflict and emotion.
  • Basic knowledge of accounting principles and accounts receivable systems also helpful.
  • Medical terminology and procedural/diagnostic coding knowledge helpful.
  • Proficiency in Electronic Medical Record preferred.
  • Preference for experience with the Microsoft Suite (e.g., Word, Excel, Outlook).

Benefits:

Park Nicollet offers a competitive benefits package (for eligible positions) that includes medical insurance, dental insurance, a retirement program, time away from work, insurance options, tuition reimbursement, an employee assistance program, onsite clinic and much more! 

At HealthPartners we believe in the power of good - good deeds and good people working together. As part of our team, you'll find an inclusive environment that encourages new ways of thinking, celebrates differences, and recognizes hard work.

We're a nonprofit, integrated health care organization, providing health insurance in six states and high-quality care at more than 90 locations, including hospitals and clinics in Minnesota and Wisconsin. We bring together research and education through HealthPartners Institute, training medical professionals across the region and conducting innovative research that improve lives around the world.

At HealthPartners, everyone is welcome, included and valued. We're working together to increase diversity and inclusion in our workplace, advance health equity in care and coverage, and partner with the community as advocates for change.

Benefits Designed to Support Your Total Health
As a HealthPartners colleague, we're committed to nurturing your diverse talents, valuing your dedication, and supporting your work-life balance. We offer a comprehensive range of benefits to support every aspect of your life, including health, time off, retirement planning, and continuous learning opportunities. Our goal is to help you thrive physically, mentally, emotionally, and financially, so you can continue delivering exceptional care.

Join us in our mission to improve the health and well-being of our patients, members, and communities.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant because of race, color, sex, age, national origin, religion, sexual orientation, gender identify, status as a veteran and basis of disability or any other federal, state or local protected class.


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