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Debt Collection Jobs in Boston, MA (NOW HIRING)

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Debt Collection information

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$7

$24

$39

How much do debt collection jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for debt collection in Boston, MA is $24.98, according to ZipRecruiter salary data. Most workers in this role earn between $19.57 and $31.06 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 cities near Boston, MA are hiring for Debt Collection jobs?

Cities near Boston, MA with the most Debt Collection job openings:

Infographic showing various Debt Collection job openings in Boston, MA as of August 2026, with employment types broken down into 96% Full Time, and 4% Part Time. Highlights an 92% In-person, and 8% Remote job distribution, with an average salary of $51,964 per year, or $25 per hour.

STUDENT LOAN ADVOCATE ATTORNEY | Insurance & Financial Service Division

Commonwealth of Massachusetts

Boston, MA • Hybrid

$77K/yr

Full-time

Posted 13 days ago


Job description

Attention applicants:  Do not apply for this position via the MassCareers website.  Your application will not be received. 

 

To apply, follow the link below to the Attorney General's Office direct application page.

www.mass.gov/ago/employment.

STUDENT LOAN ADVOCATE ATTORNEY 

PUBLIC PROTECTION & ADVOCACY BUREAU 

INSURANCE & FINANCIAL SERVICES DIVISION  

(Boston or Regional Office)

The Attorney General's Office is seeking a highly motivated attorney to join the Insurance & Financial Services Division as a Student Loan Advocate Attorney. The Division provides consumer assistance and enforces laws regarding insurance, investment, and lending issues, and has a focus on postsecondary educational debt, including student loan servicing and debt collection.  

Primary Duties:  Student Loan Advocate Attorney engages in consumer advocacy, legal research, and investigation regarding consumer financial services issues, with a special focus on student loan and debt, in addition to other lending, insurance, and investment matters.  The Attorney assists consumers in navigating federal student loan repayment and debt relief opportunities, mediate consumer complaints, work on student loan and other financial services policy issues, participate in outreach and education initiatives, and help more experienced Assistant Attorneys General with the investigation/litigation of consumer protection matters, legal research, and the implementation of settlements.  

Position Type:  Full-Time/Exempt. Our current hybrid model includes some remote workdays for most positions.  On in-office days, employees are required to report to one of our designated office locations, either in Boston or at a regional office.

Salary: $77,147

To apply for this position:  Please visit the Employment and Recruitment Portal of the Attorney General's Office at BambooHR and apply directly.  Applications submitted via MassCareers website are not received. 

You will be asked to submit a cover letter and resume when applying for this position.  The application deadline is August 26, 2026 at 5:00 PM (ET) .

Qualified individuals with disabilities are encouraged to apply.  We will gladly assist applicants in need of an accommodation.  For assistance, contact the Human Resources Division at (617) 963-2932.

Do not select MassCareers "apply online" option to apply for this position. Applications submitted via this MassCareers website are not received by our Office. 

Inquiries regarding position & status may be made to:

Gia Kim, Managing Administrative Assistant

Insurance & Financial Services Division

617-963-2390

Position Requirements: 

         Juris Doctor (JD) from an accredited law school.

         Familiarity with financial products, student loans, or the Massachusetts Consumer Protection Act, preferred.

         Ability to learn previously unfamiliar technical concepts and material quickly, preferred.

         Excellent work ethic and attention to detail.

         Effective research, writing, editing, and oral communication skills required.

         Proficiency with Microsoft Excel, required. 

         Ability to work independently and as part of a team. 

         Demonstrated interest in working in the public interest.

The successful candidate will be able to demonstrate a connection to the people and communities we serve and an interest in supporting a respectful, diverse, equitable, and inclusive work environment.

The Attorney General's Office is an Equal Opportunity Employer. As the representative of the Commonwealth and its residents, the Attorney General's Office strives to ensure that those working in our office reflect the diversity of the communities we serve.  The Office encourages applicants from a broad spectrum of backgrounds to apply for positions.

Do not select MassCareers "apply online" option.  Any automated message generated by the Commonwealth of Massachusetts MassCareers website does not apply to posted positions at the Attorney General's Office.  You must apply directly at:  www.mass.gov/ago/employment.