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Debt Collector Jobs in Florida (NOW HIRING)

First Commerce Credit Union

Collector I

Tallahassee, FL

$15.25 - $19.75/hr

Join First Commerce Credit Union as a Collector I! If you're someone who can balance problem-solving with empathy - and you're confident navigating difficult conversations - this could be the perfect ...

First Commerce Credit Union

Collector I

Tallahassee, FL · On-site

$15.25 - $19.75/hr

Join First Commerce Credit Union as a Collector I! If you're someone who can balance problem-solving with empathy - and you're confident navigating difficult conversations - this could be the perfect ...

ValorVIP

Debt Recovery Representatives

Tampa, FL · On-site

$14 - $15.20/hr

We're looking for a Debt Recovery Representative who is driven, empathetic, and skilled in negotiation to join our team. In this role, you'll be responsible for contacting customers with outstanding ...

ValorVIP

Debt Recovery Representatives

Tampa, FL · On-site +1

$15 - $19.50/hr

We're looking for a Debt Recovery Representative who is driven, empathetic, and skilled in negotiation to join our team. In this role, you'll be responsible for contacting customers with outstanding ...

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Debt Collector information

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$6

$13

$19

How much do debt collector jobs pay per hour?

As of Aug 31, 2026, the average hourly pay for debt collector in Florida is $13.74, according to ZipRecruiter salary data. Most workers in this role earn between $11.49 and $14.90 per hour, depending on experience, location, and employer.

What is a debt collector?

The job of a debt collector is to collect on a debt that a person owes, like a late credit card or mortgage payment. They often work for a debt collection agency or for a creditor who is seeking a debtor. Their duties may entail finding the debtor, contacting them by phone or mail, and negotiating payments. Debt collection is regulated by the federal government. Collection agencies may use internal collectors or contract out to another firm.

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 debt collection laws, and typically a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, phone systems, and payment processing tools is often required. Excellent communication, resilience, and problem-solving skills help build rapport with clients and handle challenging conversations. These competencies are crucial for maximizing debt recovery while maintaining compliance and positive client relations.

What are some common challenges faced by debt collectors, and how can they handle them effectively?

Debt collectors often encounter challenges such as dealing with uncooperative or distressed customers, meeting collection targets, and managing high call volumes. Effective communication and strong negotiation skills are key to overcoming these obstacles, as is maintaining professionalism and empathy during difficult conversations. Many organizations provide training and support to help collectors handle objections, comply with regulations, and manage stress, making it important for job seekers to seek out employers with robust support systems.

What is the difference between Debt Collector vs Credit Analyst?

AspectDebt CollectorCredit Analyst
Required CredentialsHigh school diploma; sometimes certifications in collectionsBachelor's degree in finance, accounting, or related field
Work EnvironmentCollections agencies, banks, or healthcare providersBanks, financial institutions, or credit bureaus
Employer & Industry UsagePrimarily in debt recovery and collectionsInvolved in assessing creditworthiness and risk analysis
Common Search & Comparison IntentUnderstanding debt recovery rolesEvaluating credit risk and financial health

While both roles are involved in finance, a Debt Collector focuses on recovering unpaid debts, often working directly with delinquent accounts. A Credit Analyst assesses creditworthiness to determine lending risks. The roles differ in responsibilities, credentials, and work environments, but both are essential in financial operations.

Is it hard to be a debt collector?

Being a debt collector can be challenging due to the need for strong communication skills, resilience, and adherence to legal regulations. The job often involves handling difficult conversations and managing stressful situations, but training and experience can help improve effectiveness and reduce difficulty.

What qualifications do I need to be a debt collector?

To become a debt collector, candidates typically need a high school diploma or equivalent. Employers often require good communication skills, basic computer proficiency, and sometimes a background check; some states also require licensing or certification depending on local regulations.
More about Debt Collector jobs

What are the most commonly searched types of Debt Collector jobs in Florida?

The most popular types of Debt Collector jobs in Florida are:

What are popular job titles related to Debt Collector jobs in Florida?

For Debt Collector jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Debt Collector jobs in Florida look for?

The top searched job categories for Debt Collector jobs in Florida are:

What cities in Florida are hiring for Debt Collector jobs?

Cities in Florida with the most Debt Collector job openings:

What are popular job titles related to Debt Collector jobs in FL?

For Debt Collector jobs in FL, the most frequently searched job titles are:

Debt Collector jobs near you
Infographic showing various Debt Collector job openings in Florida as of August 2026, with employment types broken down into 69% Full Time, 23% Part Time, and 8% Contract. Highlights an 100% In-person job distribution, with an average salary of $28,583 per year, or $13.7 per hour.

Small Balance Debt Collector

Milliken & Michaels Inc.

Vero Beach, FL • On-site

$14 - $18.25/hr

Full-time

Dental, Retirement

Re-posted 26 days ago

Job description

A Small Balance Debt Collector is responsible for contacting individuals or businesses with outstanding debts in order to facilitate the repayment of those debts. Here's a basic job description for a Small Balance Debt Collector:

Job Title: Small Balance Debt Collector

Job Summary: As a Small Balance Debt Collector, your primary responsibility is to contact individuals or businesses with small outstanding debts and work towards collecting payments. You will employ effective communication and negotiation skills to establish repayment plans, resolve disputes, and ensure timely debt recovery.

Key Responsibilities:

  1. Contacting Debtors:
    • Initiate contact with individuals or businesses with small balance debts.
    • Communicate clearly and professionally to inform debtors of their outstanding
    •  
    • balances.
  1. Negotiation:
    • Negotiate repayment plans with debtors based on their financial situations.
    • Provide information about payment options and terms to facilitate debt resolution.
  1. Record Keeping:
    • Maintain accurate and up-to-date records of all communication and payment agreements.
    • Document relevant debtor information for future reference.
  1. Compliance:
    • Ensure compliance with relevant debt collection laws and regulations.
    • Follow ethical practices in debt collection activities.
  1. Customer Service:
    • Address debtor inquiries and concerns in a courteous and respectful manner.
    • Provide assistance and information to help debtors understand their obligations.
  1. Reporting:
    • Prepare regular reports on debt collection activities and progress.
    • Update management on the status of outstanding debts and potential issues.

Requirements:

  • High school diploma or equivalent (some positions may require additional education or certification).
  • Previous experience in debt collection or a related field is preferred.
  • Strong communication and negotiation skills.
  • Knowledge of debt collection laws and regulations.
  • Excellent organizational and time management abilities.
  • Ability to work independently and as part of a team.

Note: This is a general job description, and specific requirements may vary depending on the employer and the nature of the debts being collected. Additionally, adherence to ethical practices and legal regulations is crucial in the debt collection process.

Company Description

At Milliken & Michaels, our mission is to provide exceptional and ethical commercial debt collection services tailored to meet the unique needs of our clients. We are committed to fostering long-term partnerships by delivering results with integrity, professionalism, and respect. Our dedicated team strives to recover outstanding debts efficiently, maintaining the highest standards of compliance and customer satisfaction. Through transparent communication and innovative solutions, we aim to be the trusted partner in facilitating financial success for businesses while upholding the highest ethical standards in the debt collection industry.