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Debt Collections Agent Jobs (NOW HIRING)

Lone Star Llc

Collection Agent

Buffalo, NY

$16 - $20/hr

Paid Holidays Job Summary We are seeking a Collections Agent to join our team. In this role, you ... Knowledge of debt collection laws and regulations preferred * Comfortable working with Microsoft ...

Credit Control LLC

Debt Collection Agent -Remote

Tampa, FL · On-site +1

$18 - $22/hr

We are currently looking for a full-time Debt Collection experience in collections. We offer industry-leading bonus structures and benefits! Work From Home Collection Agent Responsibilities: * Handle ...

Lone Star Llc

Collection Agent

Buffalo, NY

$16 - $20/hr

Paid Holidays Job Summary We are seeking a Collections Agent to join our team. In this role, you ... Knowledge of debt collection laws and regulations preferred * Comfortable working with Microsoft ...

Lone Star Llc

Collection Agent

Buffalo, NY

$16 - $20/hr

Paid Holidays Job Summary We are seeking a Collections Agent to join our team. In this role, you ... Knowledge of debt collection laws and regulations preferred * Comfortable working with Microsoft ...

MCI Careers

Call Center Collections Agent

Tampa, FL

$14 - $15.20/hr

Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ...

MCI Careers

Call Center Collections Agent

Tampa, FL · On-site

$14.25 - $18.75/hr

Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ...

MCI Careers

Call Center Collections Agent

Tampa, FL · On-site

$14 - $15.20/hr

Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ...

ValorVIP

Call Center Collections Agent

Tampa, FL · On-site +1

$14.25 - $18.75/hr

... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ... Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ...

ValorVIP

Call Center Collections Agent

Tampa, FL · On-site

$14 - $15.20/hr

... Collections Agent who can combine empathy, professionalism, and negotiation skills to help ... Understanding of debt collection laws and regulatory requirements is highly desirable. * Strong ...

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Debt Collections Agent information

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$11

$18

$28

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.
Debt Collection Agent -Remote

Debt Collection Agent -Remote

Credit Control LLC

Tampa, FL • Remote

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 3 days ago

Job description

Salary: $ 18.00 -$ 22.00 hourly + Bonus

CREDIT CONTROL IS HIRING TOP-PERFORMING, EXPERIENCED COLLECTORS AT $18- $22 PER HOUR!


Must reside in one of the following states: AZ, FL, GA, ID, MO, NV, NM, IN, IA, KS, KY, LA, NC, OH, OK, SC, SD, UT, and TN


Grow and advance your career at our industry-leading company, recognized for the last 6 years as the winner of " Best Places to Work in Collections.


At Credit Control, we offer a foundation for success as our employees are rewarded with excellent benefits, competitive compensation, and growth opportunities.


PAID TRAINING + EQUIPMENT PROVIDED+ EXCELLENT BENEFITS + A COMPETITIVE PAY STRUCTURE + BONUSES AND INCENTIVES

At Credit Control, we invest in you! The atmosphere here values opportunities for growth, development, and internal promotion. We are currently looking for a full-time Debt Collection experience in collections.

We offer industry-leading bonus structures and benefits!

Job description

Work From Home Collection Agent Responsibilities:

  • Handle inbound and outbound calls for past-due accounts.
  • Keeping track of all accounts in your route
  • Negotiate outstanding debts.
  • Planning a course of action to recover outstanding payments.
  • Handle questions and complaints.
  • Adhere to all local, state, and federal laws governing the debt collection industry.

Work From Home Collection Agent Qualifications:


  • Must have a private and secure workspace at home that is free from noise and distractions.
  • Must be willing to work on camera and be supervised during scheduled work hours
  • Excellent written and verbal communication skills
  • Ability to prioritize and multitask.
  • Basic math and computer literacy skills.
  • Professionalism and the ability to build rapport with consumers.
  • Foster teamwork and cooperation.
  • Required previous experience in debt collection, outbound call center, telemarketing, or other related fields.
  • Successfully pass a background check

Job Type: Full-time


Pay Range: $18.00 - $22.00 Hourly Plus Bonus

Total Compensation Potential $37,440 - $65,000


Benefits:

  • Medical Insurance (United Healthcare)
  • Dental Coverage (United Healthcare)
  • Vision Plan (United Healthcare)
  • Matched 401K Retirement Plans (Voya - Credit Control matches 50% of the first 4%)
  • Voluntary Life Short Term/Long Term Disability Coverage
  • Paid Vacation, Personal, Bereavement, and Holidays
  • Referral program
  • Daily Pay / PNC EarnedIt
  • Employee Discount Life Mart
  • Professional Development Grant Program
  • Employee Assistance Program

Physical setting:

  • Call center.

Schedule:

  • 8-hour shift
  • Monday to Thursday 9 am - 6 pm -Friday 8 am- 5 pm.
  • No nights / No weekends

Supplemental pay types:

  • Monthly Bonus Pay
  • Individual & Team bonuses each month!
  • Additional quarterly, bi-annual, and annual Incentives
  • Additional retention and referral bonuses
  • Monthly Contest and Raffles

Ability to commute/relocate:


  • 9929 Race Track Road Tampa, FL 33626
  • Must have the ability to work in office full time (No hybrid or work from home)
  • Must have reliable transportation

Application Question(s):

  • Are you willing to undergo a background check, in accordance with local law and regulations?


Education:

  • High school or equivalent (Preferred)


Experience:

  • 3rd party collection: 1 year required


    Work setting:

    • Call center.

    Work Location: Remote

    • Must reside in one of the following states: AZ, FL, GA, ID, MO, NV, NM, IN, IA, KS, KY, LA, NC, OH, OK, SC, SD, UT, and TN