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Debt Collection Jobs in Tennessee (NOW HIRING)

LP Finance

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Loan Servicing Specialist

Johnson City, TN · On-site

$17 - $25/hr

Leads the debt collection process for assigned customers. * Contacts customers by phone, email, text, and mail to recover a debt. * Keeps detailed notes and records of all communications and actions.

Reliance Solutions Llc

Case Manager

Nashville, TN

$17.50/hr

Reliance Solutions provides debt relief by empowering consumers to exercise their rights to fight back against debt collection companies. We work to stop the fraudulent methods that many debt ...

Reliance Solutions Llc

Case Manager

Nashville, TN

$17.50/hr

Reliance Solutions provides debt relief by empowering consumers to exercise their rights to fight back against debt collection companies. We work to stop the fraudulent methods that many debt ...

Makowsky Ringel Greenberg, LLC

Debt Collector

Memphis, TN · On-site

$15.50 - $20.25/hr

Absolute Recovery Services (ARS) is seeking an experienced debt collector for a full-time position ... Some property management and/or multifamily collection experience preferred Benefits * Competitive ...

Makowsky Ringel Greenberg, LLC

Debt Collector

Memphis, TN · On-site

$15.50 - $20.25/hr

Absolute Recovery Services (ARS) is seeking an experienced debt collector for a full-time position ... Some property management and/or multifamily collection experience preferred Benefits * Competitive ...

Makowsky Ringel Greenberg, LLC

Debt Collector

Memphis, TN · On-site

$15.50 - $20.25/hr

Absolute Recovery Services (ARS) is seeking an experienced debt collector for a full-time position ... Some property management and/or multifamily collection experience preferred Benefits * Competitive ...

AtWork - Paris

Customer Service Representative

Paris, TN · On-site

$12.75 - $17.25/hr

Follow federal and state laws dealing with debt collection (will receive extensive training). Discusses information relating to medical billing to ensure timely reimbursement. Reviews bills with ...

AtWork!

Customer Service Representative

Paris, TN · On-site

$12.75 - $17.25/hr

Follow federal and state laws dealing with debt collection (will receive extensive training). Discusses information relating to medical billing to ensure timely reimbursement. Reviews bills with ...

AtWork Group

Customer Service Representative

Paris, TN · On-site

$12.75 - $17.25/hr

Follow federal and state laws dealing with debt collection (will receive extensive training). Discusses information relating to medical billing to ensure timely reimbursement. Reviews bills with ...

United Community Bank

Collector I

Lenoir City, TN · On-site

$32K - $45K/yr

Familiarity with relevant laws such as the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, and Dodd ...

Charlie Health

Debt Collector Associate

Nashville, TN · Hybrid

$15.50 - $20/hr

Initiate collection calls to patients or their families to collect outstanding balances * Handle large volume of inbound calls regarding outstanding balances and invoices * Arranging payments, or ...

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Debt Collection information

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How much do debt collection jobs pay per hour?

As of Aug 25, 2026, the average hourly pay for debt collection in Tennessee is $20.87, according to ZipRecruiter salary data. Most workers in this role earn between $16.35 and $25.96 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 popular job titles related to Debt Collection jobs in Tennessee?

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

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

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

What cities in Tennessee are hiring for Debt Collection jobs?

Cities in Tennessee with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Tennessee as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 19% Part Time, and 3% Contract. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $43,413 per year, or $20.9 per hour.

Loan Servicing Specialist

LP Finance

Johnson City, TN • On-site

$17 - $25/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 27 days ago

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Job description

Position Summary

We are currently seeking Customer Collections Specialists/Loan Servicing Specialists to join our growing team! We are looking for professional candidates who possess a solid work history and enjoy working in a competitive environment while maintaining a positive attitude which supports the organizational culture and encourages teamwork. LP Finance Group is offering an amazing opportunity to make uncapped commission plus hourly pay, and an opportunity to advance within the company. If you are a goal oriented, self-starter looking to grow with a company with unlimited opportunities, this could be the place for you!

This position requires you to have the drive to succeed and the attendance to reap the rewards. This is an office environment in which this position performs administrative duties related to the collection of delinquent and inactive accounts, assessment of debtor ability to pay, and coordination of debt collection measures. Position involves completing demands, performing multiple tasks and working to deadlines.

Essential Functions:

  • Works with coworkers to set debt collection strategies.
  • Leads the debt collection process for assigned customers.
  • Contacts customers by phone, email, text, and mail to recover a debt.
  • Keeps detailed notes and records of all communications and actions.
  • Answers questions customers have about billing statements.
  • Negotiates partial repayments and payment plans when possible.
  • Keeps track of payment due dates and sends reminders, follow up on delinquent and overdue accounts by receiving and initiating phone calls, text, emails and letters.
  • Updates the account status when the debt has been paid and when processing payments.
  • Investigates billing errors and disputes and follows up with customers including but not limited to loan audits.
  • Sends necessary paperwork to customers, legal, approved 3rd party vendors, and or credit bureaus promptly.
  • Maintains confidentiality and the utmost discretion.
  • Collaborates with lawyers if legal action is required.
  • Uses debt collection software, skip tracing software, and public records databases.
  • Complies with all federal, state, and local laws and regulations as well as com

Knowledge/Skills/Abilities:

· Basic technical/computer knowledge required including Microsoft Outlook, Excel, Word, etc.

· Knowledge of FDCPA collection guidelines.

· Display a professional manner and hold oneself accountable.

· Receptive to change.

· Prioritize tasks and manage time effectively.

· Require critical thinking skills and experience working autonomously (or under limited supervision) to complete tasks.

· Proficient at understanding/Communicating loan terms and features.

· Detail oriented.