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Debt Collection Jobs in Rochester, NY (NOW HIRING)

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Debt Collection information

See Rochester, NY salary details

$7

$22

$35

How much do debt collection jobs pay per hour?

As of Jun 29, 2026, the average hourly pay for debt collection in Rochester, NY is $22.70, 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 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 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 June 2026, with employment types broken down into 78% Full Time, 11% Part Time, and 11% Contract. Highlights an 89% In-person, and 11% Remote job distribution, with an average salary of $47,215 per year, or $22.7 per hour.

Resolution Expert - Collection Specialist

Bounce AI

Rochester, NY • On-site

$19 - $22/hr

Full-time

Posted 19 days ago

Key responsibilities

  • Manage inbound and outbound communication from consumers and their representatives via phone, email, and chat.

  • Follow communication scripts when handling different topics.

  • Communicate with consumers to establish repayment plans and resolve questions or concerns.

Job description

Bounce AI is a fintech startup transforming how people pay off debt, leveraging machine learning, automation, and deep personalization tailored to borrowers’ financial situations.

For creditors, we:

  • Transform how they transact, allowing creditors the ability to control liquidity and risk.
  • Empower consumers with a seamless & flexible digital first collections platform to maximize recoveries and enhance the experience.
  • Utilize a highly optimized funnel, from the first message to payment plans; our platform evolves based on real-life interactions and continuously incoming data feeds.
  • Reduce legal and operational risk with automated compliance designed by experts enforced by code.
  • Unlock customer insights by exploring new data sources.

For borrowers we:

  • They are set up for convenience and can manage their plan whenever, wherever, with representatives always available via live chat or phone to assist.
  • Provide a safe, secure, and compliant service with one goal: to help them move forward.
  • Offer flexible repayment plans or the ability to customize one of their own, giving them the option to pay now, later, or in small amounts over time.




About Us:

We are looking for a call center representative, which we refer to as a “Resolution Expert”, who can motivate and guide consumers through the collections process while providing exceptional customer service. The successful candidate will be able to accept ownership for effectively solving consumers’ issues, complaints, and inquiries, keeping customer satisfaction at the core of every decision and behavior.



How You’ll Spend Your Time:
  • Manage inbound and outbound communication from consumers and their representatives via phone, email, and chat.
  • Follow communication “scripts” when handling different topics
  • Communicate with consumers to establish repayment plans and resolve questions or concerns
  • Attend educational seminars to improve knowledge and skills
  • Meet key performance indicators as outlined by management
  • Adhere to expected quality and compliance standards



What We Offer:

What makes an amazing Collection Specialist?

A successful Collection specialist must have an excellent attitude toward their work and empathy for consumers experiencing financial hardship. They should also have excellent interpersonal and social skills to provide consumers with the best service and solutions.

Current Available Full Time Shifts:

M-F 8:30am to 5:00pm

Optionally shifts M-F 11:00- 8.00PM

Paid Training Program:

2-week, full-time training program

Office Location:

333 Metro Park, Rochester, NY 14534

This is an in-office role

Pay:

  • up to $19.00- $22.00 per hour, with the potential for higher pay based on experience, skill set, and Spanish fluency - A significant advantage.


Bounce is an equal opportunity employer. All employment decisions are based on qualifications, merit, and business need, without regard to race, color, religion, sexual orientation, gender identity, national origin, veteran, or disability status.


#ZR


Address:
333 Metro Park, Rochester
Requirements:
  • Previous experience in collections, customer service, and/or sales
  • Strong verbal and written communication skills
  • High attention to detail and critical thinking
  • Problem-solving, negotiation, and conflict-resolution skills
  • Customer-focused and adaptable to different personality types
  • Ability to multi-task, set priorities and manage time effectively
  • Ability to work in a fast-paced and changing environment