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Debt Collection Jobs in Albany, GA (NOW HIRING)

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Debt Collection information

See Albany, GA salary details

$6

$21

$33

How much do debt collection jobs pay per hour?

As of Aug 23, 2026, the average hourly pay for debt collection in Albany, GA is $21.15, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $26.30 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 job categories do people searching Debt Collection jobs in Albany, GA look for?

The top searched job categories for Debt Collection jobs in Albany, GA are:

What cities near Albany, GA are hiring for Debt Collection jobs?

Cities near Albany, GA with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Albany, GA as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 15% Part Time, and 6% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $43,998 per year, or $21.2 per hour.

Sales Agent - Client Acquisition (Collections Agency)

LIVE OAK FINANCIAL INC

Albany, GA • Remote

Full-time

PTO

Re-posted 12 days ago

Job description


Reports To: COO
Location: Remote or Onsite (Hybrid Optional)
Employment Type: Full-Time / Commission-Eligible
Overview
Live Oak Financial, Inc. — a rapidly growing national collections agency — is seeking a driven and professional Sales Agent to expand our client portfolio across diverse asset classes including consumer, commercial, healthcare, subrogation, and government receivables.
This role is ideal for an individual with a strong command of consultative sales, deep understanding of B2B decision cycles, and the ability to communicate the value of compliant, data-driven recovery services.
Key Responsibilities
Client Acquisition & Pipeline Growth
Identify, qualify, and engage new business opportunities within financial institutions, lenders, debt buyers, medical providers, and government entities.
Develop and maintain a high-value sales pipeline using CRM tools (e.g., HubSpot, Aktos CRM, or Salesforce).
Conduct prospect outreach via email, phone, LinkedIn, and networking events.
Consultative Selling & Relationship Management
Present Live Oak Financial’s full suite of collection, recovery, and first-party servicing solutions to decision-makers.
Conduct discovery sessions to assess client pain points, compliance requirements, and recovery objectives.
Prepare tailored proposals, service agreements, and ROI models to position LOF as a long-term strategic partner.
Strategic Coordination
Collaborate with internal leadership, compliance, and operations to design collection campaigns aligned with client expectations.
Support onboarding and implementation phases to ensure a seamless client handoff.
Market Intelligence
Monitor competitor activity, industry trends, and regulatory changes (CFPB, Reg F, FDCPA) affecting client outreach.
Report market feedback and business opportunities directly to the executive team.
Qualifications
Proven experience (3+ years) in B2B sales, preferably within debt collection, financial services, or outsourcing (BPO).
Strong understanding of receivables management, contingency pricing, and legal forwarding processes.
Exceptional communication, negotiation, and presentation skills.
Proficiency with CRM platforms, Microsoft Office, and virtual meeting tools (Zoom, Teams).
Self-motivated, results-oriented, and capable of operating independently in a fast-paced environment.
Compensation & Benefits
Base Salary: Competitive (DOE)
Commission Structure: Tiered performance incentives on new business revenue.
Benefits:  PTO, Reimbursement Accounts, 
Growth Path:

This is a remote position.