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Debt Collector Jobs in Iowa (NOW HIRING)

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Debt Collector information

See Iowa salary details

$7

$17

$25

How much do debt collector jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for debt collector in Iowa is $17.27, according to ZipRecruiter salary data. Most workers in this role earn between $14.47 and $18.75 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.

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

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

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

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

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

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

What cities in Iowa are hiring for Debt Collector jobs?

Cities in Iowa with the most Debt Collector job openings:

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

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

Infographic showing various Debt Collector job openings in Iowa as of August 2026, with employment types broken down into 86% Full Time, 13% Part Time, and 1% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $35,925 per year, or $17.3 per hour.

Government Collection Specialist - 07.06.2026 CF

CBE Companies

Cedar Falls, IA

$17.74 - $23/hr

Full-time

Re-posted 19 days ago


CBE Companies rating

5.5

Company rating: 5.5 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

427th of 500 rated business services


Job description

Job Description:

Why would CBE be a good fit for you?

CBE Companies, a global provider of contact center services, has an immediate need for a Government Collection Specialist for our class starting on Monday, July 6th, 2026 and our recruiters would LOVE to connect with you about this exciting career opportunity!

With more than 1200 employees currently, CBE has been providing quality jobs in the Cedar Valley and throughout the US for over 90 years-and we're still going strong because we offer employees:

  • Excellent starting wage + performance-based, uncapped commission plan!

  • Excellent benefits, including tuition reimbursement and referral bonuses!

  • Ongoing training & support!

  • Career culture with many opportunities for advancement!

  • Employee engagement opportunities include community outreach!

Recently recognized for the second year in a row as a Top Workplace in the USA, we pride ourselves on a diverse and inclusive corporate culture with a strong track record of success-and we're looking for people who value opportunity, challenge, and FUN!

Invest in your future with a company that will invest in YOU!

CBE offers job seekers easy entry, development opportunities, and growth options.

As a company that welcomes both experienced professionals and those with limited experience but an eagerness to learn, CBE provides best-in-class training and development. You bring the work ethic, and we'll develop your communication and problem-solving skills into a transferrable skillset that will become a solid foundation for you to build your career upon. Consistently recognized locally as an Employer of Choice, CBE focuses on personal and professional growth aimed at developing our employees into leaders.

Whether you're just looking for your next stop or hoping to find your final destination, CBE offers job seekers what few companies can: transferrable skills and unlimited opportunities for professional success. Regardless of where you are starting from, if you have aspirations for a career in Customer Service, Information Technology, Human Resources, Finance, Project Management, or Marketing fields-our company wants to show you the way!

Let CBE help you DISCOVER, DEVELOP, and DEFINE YOUR CAREER!

Description

Our Government Collection Specialists work diligently to link consumers with the best way to remedy their situation to resolve their account. Customer satisfaction must be the end in mind while meeting both CBE and client standards and following all state and federal debt collection laws. The desired applicant is motivated to work in a team-oriented, competitive environment with an emphasis placed on effective listening skills, a solution-driven mindset, complete and accurate documentation of the phone call, and providing excellent customer service.

At CBE we pride ourselves on a small-team dynamic to prevent new hires from feeling "lost in the shuffle" and provide ample resources to ensure success and promote a competitive and fun work environment.

Would you describe yourself with any of the following characteristics?

If so, this could be an excellent opportunity for YOU!

  • Motivated

  • Engaged

  • Disciplined

  • Personable

  • Competitive

  • Problem solver

  • Eager

  • Outgoing

  • Reliable

  • Effective Communicator

Details

In this role you will experience a fast-paced environment with unlimited income potential that can be rewarding and satisfying. Your day will typically consist of the following:

  • Provide excellent customer service to all consumers and third parties on both inbound and outbound calls

    • Government Collection Specialists handle between 100-150 calls per day and work in a call center or remote work environment

  • Be a problem-solver and work with consumers to come to a resolution on their account

  • Utilize a call flow that guides you through your calls

  • Locate consumer contact information

  • Ability to positively and efficiently implement changes required by the client

  • Review statistics that are sent by management to ensure job requirements are being met

  • Work with CBE's management team on your personal growth and positively execute on areas of improvement and opportunity

  • Ability to work in a positive and collaborative manner with co-workers

For employees who go above and beyond and other expectations:

  • Commission potential that starts the first month and is in addition to the hourly pay; the current average commission payout is around $1250 and on average over 50% of the department earns a commission

  • Must hit productivity, schedule adherence, and quality expectations

General Information

Location: Cedar Falls, Iowa

Relocation Expense Covered: No

Employee Type: Full Time

Industry: Call Center

Required Degree: High school or GED

Manage Others: No

Requirements: U.S. Citizenship or 3-year legal residence

Position Quick View

Wage: $17.74 - $23.00 Hourly

Commission: $1250 monthly (on average)

Hours: M-F four shifts a week 8a-430p;
One shift from 10:30a-7p

Remote Option: N/A

Training: 3 Weeks Paid

If you have questions about this position, please call HR at319-833-1099.

CBE Companies is an Equal Opportunity Employer. CBE Companies is committed to creating an inclusive environment. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex (including pregnancy), sexual orientation, national origin, gender, genetic information, disability, veteran status, or other protected statuses in accordance with applicable federal, state, and local laws.Background check and drug testing required.

#CF1

CBE Companies is an equal opportunity employer. We celebrate inclusion and are committed to creating a welcoming environment for all employees.


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