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Debt Collections Agent Jobs (NOW HIRING)

Above Lending

Collections Agent

Scottsdale, AZ

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Colorado Springs, CO

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Boulder, CO · Remote

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Austin, TX · Remote

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Boulder, CO

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Austin, TX

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Fort Worth, TX · Remote

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Denver, CO

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Scottsdale, AZ · Remote

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Denver, CO · Remote

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

Above Lending

Collections Agent

Austin, TX · On-site +1

$18/hr

... cost debt and move toward a stronger financial future. Through customized lending solutions ... A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ...

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Debt Collections Agent information

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How much do debt collections agent jobs pay per hour?

As of Jun 20, 2026, the average hourly pay for debt collections agent in the United States is $18.06, according to ZipRecruiter salary data. Most workers in this role earn between $14.42 and $20.43 per hour, depending on experience, location, and employer.

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 are the key skills and qualifications needed to thrive as a Debt Collections Agent, and why are they important?

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 is the 7 7 7 rule for debt collectors?

The 7-7-7 rule in debt collection refers to a guideline where collectors are advised to contact the debtor no more than seven times over seven days and to wait at least seven days between contact attempts. This rule helps ensure respectful communication and compliance with regulations like the Fair Debt Collection Practices Act (FDCPA). Debt collectors often use such rules to manage their outreach efforts while avoiding harassment claims.

What are Debt Collections Agents?

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 qualifications do I need to be a debt collector?

To become a debt collections agent, candidates typically need a high school diploma or equivalent. Strong communication, negotiation skills, and knowledge of relevant laws such as the Fair Debt Collection Practices Act are important; some employers may also require training or certification in debt collection practices.

How much does a debt collection agency make?

A debt collections agent typically earns an average salary ranging from $30,000 to $50,000 annually, depending on experience, location, and commission structures. Agencies may generate revenue through fees or commissions on recovered debts, but individual agent earnings are usually based on salary plus performance-based incentives.

How to become a debt collection agent?

To become a debt collection agent, candidates typically need a high school diploma or equivalent and must complete training on debt collection laws and procedures. Many employers require good communication skills, and some states may require licensing or certification, which involves passing a background check and a test. Experience in customer service or sales can be beneficial for this role.

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.

More about Debt Collections Agent jobs
What states have the most Debt Collections Agent jobs? States with the most job openings for Debt Collections Agent jobs include:
What job categories do people searching Debt Collections Agent jobs look for? The top searched job categories for Debt Collections Agent jobs are:
Debt Collections Agent jobs near you
Infographic showing various Debt Collections Agent job openings in the United States as of June 2026, with employment types broken down into 83% Full Time, 13% Part Time, and 4% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $37,572 per year, or $18.1 per hour.

Collections Agent

Above Lending

Scottsdale, AZ

$18/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 20 days ago

Job description

Above Lending is a next-generation financial services company helping everyday Americans break the cycle of high-cost debt and move toward a stronger financial future. Through customized lending solutions, competitive rates, and personalized support, our mission is to simplify the lending process and help our clients achieve financial well-being. We are committed to making credit more affordable and accessible; backed by a culture grounded in compliance and ethics, and technology built around the people we serve.

We are growing quickly, and we are looking for new collaborators to help us reach the next level. If you want to join a forward-thinking, rapidly growing organization where helping people is the number one goal, we want to hear from you.


A Collections Agent will play a crucial role in managing and resolving early-stage delinquent accounts. This position requires excellent communication skills, a strong understanding of customer behavior, and the ability to negotiate effectively. The successful candidate will be responsible for reviewing and analyzing accounts, engaging clients to resolve outstanding issues, and ensuring that accounts are managed in accordance with company policies and regulatory requirements.
 
We are looking for agents available to work the following shifts:
10am to 7pm
You will
  • Review and analyze delinquent accounts to determine the best course of action for resolution.
  • Contact clients via phone and email to discuss their accounts and provide solutions for repayment and long term goals.
  • Negotiate repayment plans with clients in a professional and empathetic manner.
  • Document all interactions and agreements with clients in the company's system accurately and promptly.
  • Conduct skip tracing activities to locate hard-to-reach or unresponsive customers using various investigative tools and techniques.
  • Monitor accounts to ensure compliance with agreed-upon payment plans.
  • Collaborate with internal departments, such as Customer Service and Special Handling, to resolve complex account issues.
  • Maintain up-to-date knowledge of company policies, procedures, and regulatory requirements related to account resolution.
  • Provide excellent customer service and support to clients throughout the resolution process.
  • Identify and escalate unresolved issues to the Operations Manager when necessary.
  • Participate in team meetings and training sessions to stay informed about industry trends and updates.
You have
  • High school diploma or equivalent; Associate's or Bachelor's degree in related field is preferred.
  • Minimum of 2 years experience in consumer collections
  • Strong understanding of financial products, services, and regulations.
  • Excellent verbal and written communication skills.
  • Ability to negotiate and resolve conflicts effectively.
  • Strong analytical and problem-solving skills.
  • Proficiency in Microsoft Office Suite and experience with CRM software.
  • High level of integrity and commitment to maintaining client confidentiality.
  • Ability to work independently and as part of a team in a fast-paced environment.
We offer
  • Considerable employer contributions for health, dental, and vision programs
  • Generous PTO, paid holidays, and paid parental leave
  • 401(k) matching program
$18 - $18 an hour
In addition to base compensation, this position qualifies for commission. Collections Agents earn a monthly commission based on the percentage of debt collected, subject to the terms outlined in the company's commission plan. 
The compensation range is based on the level outlined in the job posting, and compensation decisions are dependent on each applicant's experience, skills and abilities
Join our dynamic team and contribute to Above Lending's success as we continue to provide innovative lending solutions to our customers.
 
Under the California Consumer Privacy Act ("CCPA"), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together "job applicants") about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.
 
*Above Lending is an equal opportunity Employer*
Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions.  No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams.  No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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