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Debt Collector Jobs in Phoenix, AZ (NOW HIRING)

RSI

Bad Debt Collector

Glendale, AZ · On-site

$17/hr

You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of correspondence. Occasionally you'll do some follow-up to insurance companies for a smooth account ...

RSI ENTERPRISES INC

Bad Debt Collector

Glendale, AZ · Remote

$17/hr

You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of correspondence. Occasionally you'll do some follow-up to insurance companies for a smooth account ...

LHH US

Medical Collector

Tempe, AZ · On-site

$42K - $52K/yr

LHH is seeking a talented Medical Collector to join a dynamic medical practice, where your skills will help optimize cash collections and minimize bad debt. As a Medical Collector, you will play a ...

LHH US

Medical Collector

Tempe, AZ

$42K - $52K/yr

LHH is seeking a talented Medical Collector to join a dynamic medical practice, where your skills will help optimize cash collections and minimize bad debt. As a Medical Collector, you will play a ...

SunWest Credit Union

Be Seen First

Collector I

Glendale, AZ · On-site

$19.50 - $22/hr

Collector I Division/Department: Collections Reports to: Collections Manager/Director of Collections Job Summary: Responsible for performing collection activities associated with various delinquent ...

Newrez

Collector (On-site)

Tempe, AZ · On-site

$16.25 - $21.75/hr

Primary Function A Specialty Collections Consultant is a collector who is responsible for collections on selected portfolios in order to maximize recovery and disposition loans to the appropriate ...

Newrez LLC

Collector (On-site)

Tempe, AZ · On-site

$16.25 - $21.75/hr

Primary Function A Specialty Collections Consultant is a collector who is responsible for collections on selected portfolios in order to maximize recovery and disposition loans to the appropriate ...

TruWest Credit Union

Collector III

Tempe, AZ · On-site

$27.78 - $30.87/hr

Live your best (work) life at TruWest Credit Union! Do you like knowing what tomorrow will bring? And the day after? And the day after that? Same, us too! At TruWest, we offer steady work schedules ...

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All JobsDebt Collector JobsDebt Collector Jobs in Phoenix, AZ

Debt Collector information

See Phoenix, AZ salary details

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How much do debt collector jobs pay per hour?

As of Sep 1, 2026, the average hourly pay for debt collector in Phoenix, AZ is $18.26, according to ZipRecruiter salary data. Most workers in this role earn between $15.29 and $19.81 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 Phoenix, AZ?

The most popular types of Debt Collector jobs in Phoenix, AZ are:

What are popular job titles related to Debt Collector jobs in Phoenix, AZ?

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

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The top searched job categories for Debt Collector jobs in Phoenix, AZ are:

What cities near Phoenix, AZ are hiring for Debt Collector jobs?

Cities near Phoenix, AZ with the most Debt Collector job openings:

Debt Collector jobs near you
Infographic showing various Debt Collector job openings in Phoenix, AZ as of August 2026, with employment types broken down into 84% Full Time, 13% Part Time, 1% Temporary, and 2% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $37,977 per year, or $18.3 per hour.

Bad Debt Collector

RSI

Glendale, AZ • On-site

$17/hr

Full-time

Re-posted 4 days ago

Job description

Flexible hours & Work from home remote option
Starting Salary: $17 AND UP (depending on specific experience)
Commission: Up to you! Earn up to twice your monthly salary
Description:
As a Recovery Specialist, you're involved with dialing out and taking calls, all in the mission to settle those outstanding balances through the right channels. You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of correspondence. Occasionally you'll do some follow-up to insurance companies for a smooth account resolution.
Requirements
Education:
  • High school diploma or GED equivalent

Your Job Adventure Includes:
  • Champion the resolution of outstanding account balances
  • Initiate outbound calls with finesse
  • Professionally handle incoming calls
  • Provide exemplary customer service, transforming concerns into satisfaction
  • Time management that's on point
  • Nailing client-specific processes and procedures
  • Rocking multiple computer systems simultaneously (you've got the tech magic)
  • Creative talk-offs, negotiation skills that wow, and top-notch follow-up habits
  • Keeping it legal and cool - HIPAA, FCRA, FDCPA, you name it!

Skills Needed:
  • Master of Negotiation (seriously, you're the Jedi of deals)
  • Basic Microsoft Office wizardry
  • Multitasking like a pro (juggling is your secret talent)
  • Customer service superstar
  • Smooth talker with words and on the keyboard

Extra Awesome Attributes:
  • Dependable (the go-to person)
  • Excellent listening skills
  • Organized chaos? You thrive in it!
  • Quick learner with troubleshooting superpowers
  • Handling HIPAA, FCRA, FDCPA like a secret agent (you won't spill the beans)

Position Summary:
Got your ducks in a row? Self-motivated and all about processes? Awesome! We need someone like you who's a smooth talker and a pro at top-notch customer service. You'll be at the forefront of our mission to settle outstanding balances. Dive into the world of dialing out and taking calls, using your expertise to navigate the complexities of debt recovery through the right channels. With killer people skills and a knack for handling a ton of calls (including the super-sensitive HIPAA stuff), you're the missing piece to our team.
Salary Description
$17 AND UP + commission

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