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Debt Collections Agent Jobs in Texas (NOW HIRING)

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Debt Collections Agent information

What is a debt collections agent?

Debt Collections Agents are professionals who contact individuals or businesses to recover outstanding debts on behalf of creditors. Their main responsibilities include negotiating payment plans, updating account information, and ensuring compliance with relevant laws and regulations. They often work for collection agencies, financial institutions, or in-house collections departments. Effective Debt Collections Agents possess strong communication, negotiation, and problem-solving skills.

What are the key skills and qualifications needed to thrive as a debt collections agent?

To thrive as a Debt Collections Agent, you need strong negotiation skills, a good understanding of financial regulations, and typically a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and compliance tools like FDCPA guidelines is essential. Excellent communication, resilience, and problem-solving abilities help agents effectively handle challenging conversations and build rapport with clients. These capabilities are vital for recovering outstanding debts while maintaining professionalism and adhering to legal standards.

What are some common challenges debt collections agents face when negotiating payment plans with customers?

Debt Collections Agents often encounter challenges such as customers' financial hardships, reluctance to engage, or emotional responses to debt discussions. Building rapport and demonstrating empathy while maintaining company policy is crucial. Agents must balance assertiveness with understanding, adapt negotiation strategies to individual situations, and ensure all agreements comply with legal and company guidelines. Regular training and strong communication skills help agents navigate these challenges effectively.

What is the difference between Debt Collections Agent vs Credit Analyst?

AspectDebt Collections AgentCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may prefer certifications in collections or financeBachelor's degree in finance, economics, or related field; certifications like CFA or credit analysis courses are common
Work EnvironmentCall centers, offices, or remote; focus on contacting debtors and negotiating paymentsBanking or financial institutions; analyzing credit data and assessing risk
Employer & Industry UsageDebt collection agencies, banks, credit card companiesBanks, lending institutions, credit bureaus
Common Search & Comparison IntentUnderstanding roles in debt recovery and collectionsEvaluating creditworthiness and financial risk

While both roles involve financial knowledge, a Debt Collections Agent primarily focuses on recovering overdue payments by contacting debtors, whereas a Credit Analyst assesses credit risk to inform lending decisions. The roles share some credentials and industry settings but differ in daily tasks and objectives.

How to become a debt collections agent?

To become a debt collections agent, candidates typically need a high school diploma or equivalent. Employers often require good communication skills, some positions may require a background check, and training is usually provided on the job. Certification is not mandatory but can improve job prospects and credibility in the field.
Debt Collections Agent jobs near you
Infographic showing various Debt Collections Agent job openings in Texas as of August 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 83% Physical, 1% Hybrid, and 16% Remote job distribution.

Bilingual Collections Agent - English/Spanish

CornerStone Staffing

Fort Worth, TX • On-site

$30 - $35/hr

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

BILINGUAL COLLECTIONS SPECIALIST – ENGLISH/SPANISH


LOCATION

Fort Worth, TX | Hybrid – 1 day WFH after 90 days


COMPENSATION & SCHEDULE

• $30–$35 per hour

• Monday–Friday, 9:00 a.m.–6:00 p.m. CST

• Anticipated start date: ASAP


ROLE IMPACT

Are you an experienced Bilingual Collections Specialist, Collections Representative, Account Resolution Specialist, Loan Collections Specialist, or Collections Agent looking for an opportunity with competitive pay?

Bring your collections and customer service experience to a growing opportunity in the auto finance industry. You’ll work with customers who have past-due auto loan accounts, helping them understand their options, make payments, establish approved payment arrangements, and get their accounts back on track.

Auto finance experience is not required. If you have experience with consumer collections, loan servicing, banking, credit cards, personal loans, financial services, debt collection, account recovery, or other high-volume collections environments, your background may be a strong fit.


KEY RESPONSIBILITIES

  • Handle inbound and outbound collections calls regarding past-due and delinquent customer accounts.
  • Contact customers regarding outstanding balances and work toward timely account resolution.
  • Secure payments, payment commitments, and approved payment arrangements or payment plans.
  • Assist customers experiencing financial difficulty while maintaining a professional, solutions-focused approach.
  • Research customer and account information to locate updated contact information and assist with skip tracing and account recovery efforts.
  • Document customer conversations, payment commitments, account activity, and collection efforts accurately.
  • Manage primarily early-stage delinquency accounts (1–30 days past due).
  • Meet established goals for collections, account resolution, cure rates, call quality, productivity, and customer service.
  • Follow company procedures and applicable regulations related to consumer collections and debt collection practices.
  • Collaborate with internal teams in the United States and Mexico to resolve customer account issues.


MINIMUM QUALIFICATIONS

  • 1+ year of experience in collections, debt collection, account recovery, loan collections, payment resolution, or delinquent account management.
  • Bilingual English/Spanish fluency with professional speaking, reading, and writing skills.
  • Experience making inbound and outbound collection calls in a customer-facing or call center environment.
  • Experience collecting past-due balances, securing payment commitments, negotiating approved payment arrangements, or establishing payment plans.
  • Comfortable working with collection goals, productivity metrics, call quality standards, or account-resolution targets.
  • Strong customer service and communication skills with the ability to handle difficult or sensitive financial conversations professionally.


CORE TOOLS & SYSTEMS

  • Collections and account servicing systems
  • Customer relationship management (CRM) or customer account systems
  • Inbound and outbound dialer/calling systems
  • Account research and skip tracing tools
  • Payment processing and account resolution
  • Written customer communications
  • PC-based collections and financial account management systems


PREFERRED SKILLS

  • Experience in auto finance, consumer finance, loan servicing, banking, credit card collections, personal loans, financial services, or account recovery.
  • Experience collecting on secured or unsecured consumer accounts.
  • Knowledge of early-stage delinquency and collections terminology, including past-due accounts, cure rates, roll rates, payment arrangements, promises to pay, and account resolution.
  • Experience working in a high-volume collections call center or performance-driven environment.
  • Strong negotiation, follow-up, organization, problem-solving, and customer communication skills.
  • Ability to balance customer service with collections goals while maintaining professionalism and compliance.


LEGAL NOTICE

By applying for this job, you agree to receive calls, AI-generated calls, text messages, or emails from CornerStone and its affiliates, and contracted partners. Frequency varies for text messages. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can reply STOP to cancel and HELP for help. You can access our privacy policy at: https://www.cornerstonestaffing.com/privacy