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Debt Collector Jobs in Raleigh, NC (NOW HIRING)

M&F Bank

Collections Specialist

Durham, NC · On-site

$18 - $24.25/hr

POSITION SUMMARY Perform collection activities via phone, mail, electronic means and rarely in person in attempt to collect funds for delinquent debt. Collects payments on all real estate loans, and ...

Baker Roofing Company

Collections Specialist

Cary, NC · On-site

$18.75 - $25.50/hr

Firm understanding of lien laws and the impact of expired rights on debt recovery. * Communication: Exceptional negotiation skills and the ability to influence and communicate effectively with ...

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All JobsDebt Collector JobsDebt Collector Jobs in Raleigh, NC

Debt Collector information

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How much do debt collector jobs pay per hour?

As of Jul 4, 2026, the average hourly pay for debt collector in Raleigh, NC is $16.24, according to ZipRecruiter salary data. Most workers in this role earn between $13.61 and $17.60 per hour, depending on experience, location, and employer.

What jobs pay 4000 a week without a degree?

Debt collectors can earn around $4,000 per week through commissions and bonuses, especially in high-volume or specialized collections roles. Success in this field often depends on experience, negotiation skills, and the volume of accounts managed, with some positions offering performance-based pay that exceeds traditional salaries without requiring a degree.

What are debt collectors?

Debt collectors are professionals or agencies hired by creditors to recover unpaid debts from individuals or businesses. They contact debtors by phone, mail, or email to arrange payment plans or settlements. Debt collectors must follow specific laws and regulations, such as the Fair Debt Collection Practices Act (FDCPA) in the United States, to ensure ethical practices. Their main goal is to recover as much of the owed amount as possible while maintaining professionalism and compliance with the law.

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, some experience in customer service or collections, and knowledge of relevant laws such as the Fair Debt Collection Practices Act. Licensing or registration may be required depending on the state or country.

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.

Is it hard to be a debt collector?

Being a debt collector can be challenging as it requires strong communication skills, persistence, and the ability to handle difficult conversations. The job often involves managing stressful situations and adhering to legal regulations, which can add to its difficulty.

How much do debt collectors get paid?

Debt collectors' salaries vary depending on experience, location, and employer, but the average annual pay ranges from $30,000 to $50,000. Many debt collectors earn commissions or bonuses based on recovery performance, and the role often requires strong communication skills and knowledge of debt collection laws.

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 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 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.

More about Debt Collector jobs
What are the most commonly searched types of Debt Collector jobs in Raleigh, NC? The most popular types of Debt Collector jobs in Raleigh, NC are:
What are popular job titles related to Debt Collector jobs in Raleigh, NC? For Debt Collector jobs in Raleigh, NC, the most frequently searched job titles are:
What job categories do people searching Debt Collector jobs in Raleigh, NC look for? The top searched job categories for Debt Collector jobs in Raleigh, NC are:
What cities near Raleigh, NC are hiring for Debt Collector jobs? Cities near Raleigh, NC with the most Debt Collector job openings:
Debt Collector jobs near you
Infographic showing various Debt Collector job openings in Raleigh, NC as of June 2026, with employment types broken down into 95% Full Time, 4% Part Time, and 1% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $33,770 per year, or $16.2 per hour.
Collections Specialist

Collections Specialist

M&F Bank

Durham, NC • On-site

$18 - $24.25/hr

Full-time

Posted 20 days ago

Job description

POSITION SUMMARY
Perform collection activities via phone, mail, electronic means and rarely in person in attempt to collect funds for delinquent debt. Collects payments on all real estate loans, and /or consumer loans and negative accounts. Works with customers to originate alternative repayment methods to prevent further legal collection activities.
GENERAL QUALIFICATIONS
Knowledge: High School or GED required. Basic math calculations. NMLS registration. Knowledge of state and federal banking loan regulations, to include Fair Lending.
Experience: Previous collection experience preferred.
Skills: Must have excellent oral and written communication skills. Attention to detail. Team player with strong interpersonal skills. Must be a quick learner and have the ability to multi-task.
FUNCTIONS
• Assure adherence to all of the policies set forth by management, and to comply with the regulations and guidelines of all state and federal regulatory authorities as related to credit and collections.
• Distribute listing of delinquent loans by officer approval code to the respective loan officers, and to work effectively with them during the initial efforts to collect past due loans.
• Communicate regularly and effectively with management, keeping them informed and participating in decisions related to:
- Valuation of potential loan losses for reserve purpose in accordance with Bank guidelines,
- The repossession of collateral on delinquent loans as prescribed by management policy,
- The strategy and procedure for handling Chapters 7, 11, and 13 bankruptcies.
• Plan, coordinate and handle the repossession of collateral as determined necessary, and to liquidate such collateral in the manner determined most appropriate.
• Attend bankruptcy hearings as determined necessary, in order to protect the interest of the Bank.
• Prepare accurate and timely problem loan reports
• Prepare timely and accurate weekly and monthly reports for management, to include listings of classified loans, recoveries on pas charge off loans, and current recommendations on loans to be charged off.
• Support the renewal, refinance, and modification of loans currently in the Bank’s portfolio.
• Participate in and lead bank meetings dealing with collection items.
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