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Debt Collection Jobs in Rochester, NY (NOW HIRING)

Five Star Bank

Loan Recovery Specialist

Rochester, NY · On-site

$24 - $31/hr

Facilitate and direct the final disposition efforts with attorneys, collection agencies, credit ... and counsel debtors on options and the implementation process for each option along with ...

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All JobsDebt Collection JobsDebt Collection Jobs in Rochester, NY

Debt Collection information

See Rochester, NY salary details

$7

$22

$35

How much do debt collection jobs pay per hour?

As of Aug 18, 2026, the average hourly pay for debt collection in Rochester, NY is $22.69, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $28.22 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 Rochester, NY?

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

What job categories do people searching Debt Collection jobs in Rochester, NY look for?

The top searched job categories for Debt Collection jobs in Rochester, NY are:

What cities near Rochester, NY are hiring for Debt Collection jobs?

Cities near Rochester, NY with the most Debt Collection job openings:

Debt Collection jobs near you
Infographic showing various Debt Collection job openings in Rochester, NY as of August 2026, with employment types broken down into 84% Full Time, 8% Part Time, and 8% Temporary. Highlights an 92% In-person, and 8% Remote job distribution, with an average salary of $47,194 per year, or $22.7 per hour.

Contact Representative

US Department of Veterans Affairs

Canandaigua, NY • On-site

Other

Re-posted 26 days ago

U.S. Department Of Veterans Affairs rating

8.1

Company rating: 8.1 out of 10

Based on 672 frontline employees who took The Breakroom Quiz

50th of 294 rated public sector bodies

Job description

Job Title

Contact Representative

Duties

This is an open continuous announcement. Qualified applicants will be considered and referred as vacancies become available. Applications will remain on file until this announcement closes. Cutoff dates: 04/15/26, 05/01/26, 06/01/26, 07/01/26, 08/01/26, 09/01/26, 10/01/26, 11/01/26, 12/01/26, 01/01/27, 02/01/27, 03/01/27, 04/01/27. This is NOT a remote position.

Major duties include but are not limited to:

  • Receives and generates telephone calls from patients, family members, and/or legal representatives concerning billing inquiries;
  • Researches, identifies, and resolves complex billing issues;
  • Receives telephone calls from and provides information to the public on a variety of medical benefits to patients, their dependents, and their beneficiaries:
  • Conduct calls concerning first party and third party billing and debt collection;
  • Perform in-depth research, interpretation, and analysis of medical records to resolve issues or discrepancies;
  • Reviews, updates, and edits master record information in a patient record system;
  • Explains in detail the process of filing a claim for benefits, eligibility requirements, repayment plans, waivers, and advises on forms;
  • Prepares well-defined case notes when actions are effected, available resources are insufficient to answer the caller's inquiry, and/or additional research is required;
  • Respond to patient and/or customer inquiries via phone, e-mail, and through other forms of secure messaging;
  • Conducts phone calls concerning routine and non-routine pharmacy related issues and inquiries and track status of patients prescriptions;
  • Perform necessary verification procedures to ensure valuable patient information remains secure and to obtain customer information for such requirements as eligibility verification and benefit related issue resolution;
  • Discussions and interviews with callers to evaluate their knowledge and understanding of the administrative processes and actions necessary in order to resolve issues;
  • Educate patients on obtaining medication refills and provide appointment information;
  • Receive calls from patient's family members to complete payments on behalf of the patient;
  • Enters, authorizes, submits, and confirms electronic payments using an electronic payment system such as the Pay.Gov website;
  • Perform proper review and research to identify payment error issues using a patient computer based system;
  • Research patient accounts to determine what correspondence should be mailed and to ensure the correct patient receives the right correspondence;
  • Receives and responds to billing questions from patients using a secure web based messaging system;
  • Proofreads responses and sends correspondence for payment histories, waivers, repayment plans, and meant test using a web based secure messaging portal

Promotion Potential: The selectee may be promoted to the full performance level without further competition when all regulatory, qualification, and performance requirements are met. Selection at a lower grade level does not guarantee promotion to the full performance level.

Work Schedule: Full-time, 40 hours per week, Monday through Friday, 8 hour shift between 6:45am-7:30pm CST. Official tour of duty will be selected based on business needs and will start after training is completed.

Remote: This position is not authorized for Remote work.

Telework: This position may be authorized for Telework. Telework eligibility will be discussed during the interview process.

Virtual: This position may be authorized for Virtual Work. Virtual Work eligibility is for current VA employees that are already subject to the return to in person work mandate in their current position.

Definition of Virtual work: Employee works outside of original hiring duty station at VA-owned or leased space.

Return to Office (RTO): RTO mandates are in affect and selectees will be required to report to in person work unless they have an approved exemption already in place.

Position Description/PD#: Contact Representative / PD00706A and PD00707A

Relocation/Recruitment Incentives: Not Authorized

Critical Skills Incentive (CSI): Not Approved

Permanent Change of Station (PCS): Not Authorized

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