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Debt Collections Jobs in Virginia (NOW HIRING)

NC SECU

This leader will drive the successful recovery of mortgage and consumer debt, prioritizing both ... Ensure that recovery collections operational teams have implemented call monitoring programs with ...

Carpenter Co.

Collections Specialist

Richmond, VA

$18.50 - $24.75/hr

Carpenter Co. has an immediate opening for a Collections Specialist at our corporate office in ... Communicates to the Credit Administrator any problem accounts and potential bad debt accounts.

Carpenter Co.

Collections Specialist

Richmond, VA · On-site

$18.50 - $24.75/hr

Carpenter Co. has an immediate opening for a Collections Specialist at our corporate office in ... Communicates to the Credit Administrator any problem accounts and potential bad debt accounts.

Lunera Health

Medical Receptionist

Woodbridge, VA · On-site

$18.81 - $20.25/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... debt collections. 6. Regular and consistent attendance is vital in this position. 7. All other duties as assigned. Qualifications, Education, and Experience: 1. Minimum 2 years customer service ...

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Debt Collections information

What is the difference between Debt Collections vs Credit Analyst?

AspectDebt CollectionsCredit Analyst
Required CredentialsHigh school diploma; some roles may require collections or finance certificationsBachelor's degree in finance, economics, or related field
Work EnvironmentCollections agencies, banks, or financial institutions; often fast-paced and target-drivenBanking, finance firms, or corporate finance departments; analytical and office-based
Employer & Industry UsageUsed across banking, lending, and debt recovery industriesCommon in banking, credit, and investment sectors
Common Search & Comparison IntentYesYes

Debt Collections and Credit Analysts both work within the financial industry but serve different roles. Debt collectors focus on recovering overdue payments, often working in fast-paced environments, while credit analysts evaluate creditworthiness to inform lending decisions. Understanding these differences helps job seekers find the right career path in finance.

Do debt collectors make money?

Debt collectors earn income primarily through commissions or fees based on the amount of debt they recover. Their compensation can vary depending on the employer, the type of debt, and the collection agency's policies, often involving performance-based incentives. Successful debt collectors typically need strong negotiation skills and knowledge of collection laws.

Is working in debt collections a good job?

Debt collections is a job that involves contacting individuals to recover unpaid debts, often requiring strong communication and negotiation skills. It typically involves working in an office environment with standard business hours and may require knowledge of relevant laws and regulations. The job can be stressful due to the nature of debt recovery but offers opportunities for commission-based pay and skill development.

What qualifications do I need to be a debt collections?

To work as a debt collector, you typically need a high school diploma or equivalent. Strong communication, negotiation skills, and knowledge of relevant laws and regulations are important; some employers may prefer prior experience in collections or customer service. Certification is not usually required but can enhance job prospects.

What are the most commonly searched types of Debt Collections jobs in Virginia?

The most popular types of Debt Collections jobs in Virginia are:

What cities in Virginia are hiring for Debt Collections jobs?

Cities in Virginia with the most Debt Collections job openings:

Infographic showing various Debt Collections job openings in Virginia as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Collections Representative - Legal

Harris Loftus PLLC

Manassas, VA • On-site

$20 - $25/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 20 days ago

Job description

Collections Representative 
Location: Manassas, Virginia 
Employment Type: Full-time (40 hrs/wk) 
 About HarrisLoftus, PLLC 
HarrisLoftus, PLLC is a fast-growing law firm representing national clients across multiple states. We partner with financial institutions and other creditors to resolve consumer and commercial debt through professional, compliant, and results-driven legal processes. 
 
Role Overview 
We are seeking a motivated and professional Collections Representative to join our team. This is a phone-based debt collection role focused on communicating with debtors to resolve outstanding balances. The ideal candidate is a strong communicator, detail-oriented, and comfortable navigating sensitive financial conversations with professionalism and empathy. 

Key Responsibilities 
  • Answer inbound and outbound collection calls in a professional and courteous manner 
  • Communicate with debtors to negotiate payment arrangements and resolve outstanding balances 
  • Maintain accurate and up-to-date account records and documentation 
  • Adhere to all federal and state debt collection laws, including FDCPA compliance 
  • Meet daily and weekly collection targets and performance deadlines 
  • Escalate complex or unresolved accounts to the legal team as needed 
  • Respond to debtor inquiries via phone and email in a timely manner 
  • Collaborate with internal teams to ensure accurate account management 
 
Required Qualifications 
  • High school diploma or equivalent 
  • 1+ year of collections, customer service, or phone-based experience 
  • Proficiency in Microsoft Office (Word, Outlook, Excel) 
  • Strong verbal communication and negotiation skills 
  • Ability to handle high call volumes in a fast-paced environment 
  • Professional and empathetic demeanor when handling sensitive conversations 
  • Strong attention to detail and organizational skills 
  • Reliability and ability to work effectively in a fast-paced team environment 
  • Ability to multitask and prioritize competing deadlines 
  • Ability to maintain confidentiality of sensitive account information 
  • Positive attitude and team-oriented mindset 
  • Ability to work overtime as required 
 
Preferred Qualifications 
  • Prior debt collections or financial services experience 
  • Bilingual in Spanish (conversational or professional fluency) 
  • Experience with collections management software or CRM systems 
 
What We Offer 
  • Competitive pay range $20.00-$25.00, per hour depending on experience 
  • 401(k) with employer match 
  • Medical, dental, and vision insurance 
  • Paid time off 
  • Profit-sharing opportunities 
  • Advancement opportunities 
 
Equal Opportunity Employer 
HarrisLoftus, PLLC is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.