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Debt Collector Jobs in Michigan (NOW HIRING)

University of Michigan Credit Union

Collector

Ann Arbor, MI

$16.75 - $22.25/hr

The Collector is also responsible for related legal action, settlement and debt workout situations, and possible restriction of services related to delinquent accounts. Why join the UMCU Team? * Work ...

YES Communities

Collector

East Lansing, MI · On-site

$17 - $20/hr

Collector Reports To: Community Manager About YES: Founded in 2008, YES Communities has established itself as a leader in the manufactured housing space. YES is the largest privately held ...

yes

Collector

East Lansing, MI

$16.25 - $21.75/hr

Collector Reports To: Community Manager About YES: Founded in 2008, YES Communities has established itself as a leader in the manufactured housing space. YES is the largest privately held ...

Vibe Credit Union

Collector I

Waterford, MI

$24 - $24.73/hr

Process debt protection, warranty refunds, and GAP/GAP Plus claims. * Monitor Accounts: Proactively manage negative savings and checking accounts and take action in accordance with policy. * Support ...

Velo Associates PLC

Collector

Grand Rapids, MI · On-site

$18 - $22/hr

Collector Job Category: Support Department: Collections Location: Main Office - Grand Rapids Team: TC1 Reports to: Collections Manager and Collections Supervisor Pay Type: Hourly Travel Required:

Velo Associates PLC

Collector

Grand Rapids, MI · On-site

$18 - $22/hr

Collector Job Category: Support Department: Collections Location: Main Office - Grand Rapids Team: TC1 Reports to: Collections Manager and Collections Supervisor Pay Type: Hourly Travel Required:

UFCU

Collector

Buchanan, MI · On-site

$16.75 - $22.25/hr

GENERAL SUMMARY (What is done and why) The Collector is responsible for maintaining appropriate delinquency and loan loss ratios. This position will cure delinquency, and prevent charge off, resolve ...

United Federal Credit Union

Collector

Buchanan, MI · On-site

$16.75 - $22.25/hr

GENERAL SUMMARY (What is done and why) The Collector is responsible for maintaining appropriate delinquency and loan loss ratios. This position will cure delinquency, and prevent charge off, resolve ...

Zeal Credit Union

Collections Specialist

Livonia, MI

$17.25 - $23.50/hr

This position provides credit analysis and debt management counseling to improve members' financial lives by establishing savings plans, minimizing debt, or preventing collections action. Experience ...

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Debt Collector information

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How much do debt collector jobs pay per hour?

As of Sep 8, 2026, the average hourly pay for debt collector in Michigan is $16.03, according to ZipRecruiter salary data. Most workers in this role earn between $13.41 and $17.40 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 Michigan?

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

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

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

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

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

What cities in Michigan are hiring for Debt Collector jobs?

Cities in Michigan with the most Debt Collector job openings:

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

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

Debt Collector jobs near you
Infographic showing various Debt Collector job openings in Michigan as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 13% Part Time, 2% Temporary, 2% Contract, and 1% Nights. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $33,337 per year, or $16 per hour.

Collector

University of Michigan Credit Union

Ann Arbor, MI

$16.75 - $22.25/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted yesterday

University Of Michigan Credit Union rating

9.1

Company rating: 9.1 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Are you looking for an exciting new opportunity? Here at UMCU we are passionate about our team members’ growth, success and contribution to our amazing company culture. Consider joining the University of Michigan Credit Union (UMCU) a pillar of the local community for 70 years.
UMCU is currently searching for a bright, professional and friendly Collector to assist in all aspects of collection activities, including delinquent and charged-off loans and shares, NSF checks, and courtesy pay accounts that are not in compliance with program limitations. The Collector is also responsible for related legal action, settlement and debt workout situations, and possible restriction of services related to delinquent accounts.
Why join the UMCU Team?
  • Work with a high energy and collaborative group of supportive professionals.
  • We are committed to helping you own your career and grow professionally and personally.
  • Comprehensive benefits including low cost/high coverage medical, dental, vision, leave of absence and more!
  • Very generous paid time off and a very flexible work environment to help you find just the right work-life balance.
  • Tuition reimbursement and a student loan debt repayment program
  • Our Fidelity 401k program with employer match is one of the most generous you'll find.
  • From our parental leave, to pet insurance and home office credits, our benefits package is one of the best you'll find!
What will you be doing in this role?
  • Contacts members by telephone, letter, e-mail or in person to determine the reasons for the delinquent account and to assist the member in developing a plan to bring the account current
  • Ensures that co-signers and co-makers are promptly and continuously notified on the status of a delinquent account and provides notification as needed.
  • Initiates appropriate account restrictions to encourage the member to contact the Credit Union to make a payment or payment arrangements
  • Evaluates delinquent loan accounts and determines possible actions to assist member in repaying their obligations as agreed. This may include financial counseling, evaluating credit reports, and
  • Maintains high level of professionalism in regard to confidentiality and service in collection efforts
  • Monitor Fraud Software
  • Determines appropriate action to take for skip traces, legal filings (Small Claims and General Civil), repossessions, collection agencies, collateral protection insurance, titles related to secured collateral and bankruptcy processing following UMCU guidelines. Initiates and follows-through on any action taken on the assigned accounts.
  • Serves as UMCU representative in court hearings as assigned. Prepares any accounts to be recommended for charge-off
  • Continues collection efforts on previously charged-off loans
  • Assists in providing training to other department team members
  • Demonstrates responsibility for security of member information
  • Contributes to the improvement of credit union processes and procedures
  • Provides reports of collection activities
  • Maintains knowledge of laws and regulations affecting financial institutions policies and procedures
  • Volunteers in various activities sponsored by UMCU within the University of Michigan and Ann Arbor communities
  • Maintains knowledge of and follows all credit union policies and procedures regarding BSA, OFAC, U.S. Patriot Act, Anti-Money Laundering, S.A.F.E Act, CFPB regulations and Customer Identification Program BSA/etc.
  • Other duties as assigned
What you will need for this role:
  • Associate's degree, or a minimum of 3 years financial institution or collection agency experience is required
  • 1 year of collection experience is desirable
  • Sensitivity to confidential matters and ability to exercise discretion
  • Proficient in Microsoft Office – Word, Excel, PowerPoint and Outlook
  • Strong verbal and written communications skills
  • Must be a team player and possess a high energy “can do” attitude
Physical Demands/Work Environment
  • The environment is typical of an office atmosphere. The noise level in the environment is usually moderate
  • While performing the duties of this job, the team member is frequently required to sit; use hands to finger, handle, or feel; and talk or hear. The team member is required to stand, walk, and reach with hands and arms. The team member must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision

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