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Debt Collection Jobs in Tennessee (NOW HIRING)

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 ...

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 ...

S2 Residential

Assistant Property Manager

Knoxville, TN · On-site

$17.75 - $24/hr

Collect past due balances from former residents and manage debt collection company relationship. * Conduct resident move-out apartment inspections and complete deposit accounting. * Maintain all ...

S2 Residential

Assistant Property Manager

Nashville, TN · On-site

$17.75 - $24.50/hr

Collect past due balances from former residents and manage debt collection company relationship. * Conduct resident move-out apartment inspections and complete deposit accounting. * Maintain all ...

Carrington

Customer Service Specialist, I

Franklin, TN · On-site

$22/hr

Knowledge of Fair Debt Collection Practices Act preferred. * Knowledge of relevant and industry-specific computer software packages preferred. * Basic negotiation skills. * Ability to understand ...

Yusen Logistics

Collection Specialist

Franklin, TN

$17.75 - $24/hr

Position Summary The Collection Specialist will assistance the AR Collection Supervisor to meet and maintain company goals and objectives. This position be fully onsite based out of the Franklin, TN ...

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How much do debt collection jobs pay per hour?

As of Jun 28, 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 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 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 June 2026, with employment types broken down into 75% Full Time, and 25% Temporary. Highlights an 100% In-person job distribution, with an average salary of $43,413 per year, or $20.9 per hour.
Debt Collector Associate

Debt Collector Associate

Charlie Health

Nashville, TN • Hybrid

$15.50 - $20/hr

Other

Posted 4 days ago

Charlie Health rating

8.5

Company rating: 8.5 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

Job description

About the Role

At Charlie Health, we take great care in estimating out-of-pocket costs associated with the care we deliver and one of our top priorities is to minimize costs to our patients and their families. This role is an important piece of this process as this person will be the direct line of communication regarding outstanding balances for care received. It's important that people in this role have great attention to financial account details and care for our patients as much as we do.

Our team is comprised of passionate, forward-thinking professionals eager to take on the challenge of the mental health crisis and play a formative role in providing life-saving solutions. We are looking for a candidate who is inspired by our mission and excited by the opportunity to build a business that will impact millions of lives in a profound way.

Responsibilities
  • Manage patient balances ensuing account is clean and ready for self-pay collections post all insurance processes are completed
  • Work closely with admissions teams to understand patient responsibility and expectations of collections are in line with financial agreements
  • 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 setting up payment plans, of outstanding balances
  • Provide daily/weekly updates to leadership on collections status
  • Manage large volumes of patient accounts each week
  • Processing invoice and credit requests in accordance with collections guidelines
  • Timely response to inquiries received from other departments associated with patients care
  • Navigate and gather data from various internal sources to ensure proper balances collected
  • Works closely with all departments in the revenue cycle to ensure balances are correct and ready for collections to take place
  • Investigate escalated insurance billing inquiries and inaccuracies and take appropriate action to resolve the account
Requirements
  • Able to work a hybrid schedule of 4 days/week in our Nashville office and located within 75 minutes' commuting distance of the office
  • Knowledge of medical billing practices, office policies and procedures. 
  • Understanding of "No Surprises Collections Act"
  • Knowledge of all confidentially requirements regarding patients and strict maintenance of proper confidentiality on all such information
  • Mathematics skills 
  • Excellent written and verbal communication skills 
  • Organizational skills 
  • Strict attention to details 
  • 2+ years related work experience in health care administrative, financial, insurance, customer services, claims, billing, call center, or management
Benefits

Please note that this role is not available to candidates in Alaska, Maine, Washington DC, New Jersey, California, New York, Massachusetts, Connecticut, Colorado, Washington State, Oregon, or Minnesota. 

Charlie Health is pleased to offer comprehensive benefits to all full-time, exempt employees. Read more about our benefits here.#LI-HYBRID

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