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Debt Collection Jobs in Rochester, NY (NOW HIRING)

Robert Half

Collections Specialist

Victor, NY · On-site

$23 - $26/hr

The ideal candidate brings strong communication skills, sound judgment, and a practical understanding of billing and collection procedures. Responsibilities: • Contact commercial and consumer ...

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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 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.
Self-Pay Collection Rep II

Self-Pay Collection Rep II

University of Rochester

Rochester, NY

$18.71 - $25.27/hr

Full-time

Posted 7 days ago

University Of Rochester rating

8.3

Company rating: 8.3 out of 10

Based on 180 frontline employees who took The Breakroom Quiz

96th of 541 rated colleges and universities

Job description

As a community, the University of Rochester is defined by a deep commitment to Meliora - Ever Better. Embedded in that ideal are the values we share: equity, leadership, integrity, openness, respect, and accountability. Together, we will set the highest standards for how we treat each other to ensure our community is welcoming to all and is a place where all can thrive.

Job Location (Full Address):

905 Elmgrove Rd, Rochester, New York, United States of America, 14624

Opening:

Worker Subtype:

Regular

Time Type:

Full time

Scheduled Weekly Hours:

40

Department:

910401 Patient Self-Pay Services

Work Shift:

UR - Day (United States of America)

Range:

UR URCB 204 H

Compensation Range:

$18.71 - $25.27

The referenced pay range represents the minimum and maximum compensation for this job. Individual annual salaries/hourly rates will be set within the job's compensation range, and will be determined by considering factors including, but not limited to, market data, education, experience, qualifications, expertise of the individual, and internal equity considerations.

Responsibilities:

Maintains account records, such as payments, rebates, and reversals, and may set up alternative pay plans. May also be responsible for reviewing and resolving third party payer issues.

ESSENTIAL FUNCTIONS

  • Reviews reports of unbilled cash claims, self-pay plans not final billed, hold bill worklists, statement edits, credit balances, self-pay greater than $10,000, faith-based reports, and budget plans. Works reports and work lists as needed to decrease the amount of unbilled self-pay visits and ensure timely billing to patients. Ensures all hold bills are resolved within 30 days of hold.
  • Reviews and resolves credit balances related to self-pay accounts to decrease the amount of credit balances currently in the self-pay receivables. Reviews patient accounts for outstanding credit transfers. Creates appropriate refund spreadsheets to have refunds transferred, transfers payments between visits, and transfers balances between plans to resolve off-setting balances.
  • Receives incoming patient inquiries and completes necessary follow up activities based on the inquiry received from internal and external customers. Completes follow up, including initiating insurance billing, explaining the balances shown on a patient statement and the processes for further review, advising callers about payments options, and working with other areas to determine accuracy of balances shown.
  • Initiates outgoing calls to customers regarding outstanding balances based on a dollar threshold and resolves these balances by making further recommendations for collection agency referral, presumptive financial assistance, insurance billing, and other recommendations to resolve accounts.
  • Acts as backup for the collection agency liaison to provide cross coverage, including estate claim verification, settlement offers for collection agency accounts, bankruptcy filings and resolution, and review of disputes from collection agency referrals.
  • Other duties as assigned.


MINIMUM EDUCATION & EXPERIENCE

  • Associate's degree and 2 years of relevant experience required
  • Or equivalent combination of education and experience

The University of Rochester is committed to fostering, cultivating, and preserving an inclusive and welcoming culture to advance the University's Mission to Learn, Discover, Heal, Create - and Make the World Ever Better. In support of our values and those of our society, the University is committed to not discriminating on the basis of age, color, disability, ethnicity, gender identity or expression, genetic information, marital status, military/veteran status, national origin, race, religion, creed, sex, sexual orientation, citizenship status,or any other characteristic protected by federal, state, or local law (Protected Characteristics). This commitment extends to non-discrimination in the administration of our policies, admissions, employment, access, and recruitment of candidates, for all persons consistent with our values and based on applicable law.

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