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Debt Collector Jobs in Spring, TX (NOW HIRING)

PAC

Accounts Receivable Specialist-Temp.

Houston, TX

$19.25 - $25.50/hr

This role plays a critical part in optimizing cash flow and minimizing bad debt through proactive communication, accurate account reconciliation, and effective problem resolution. This position is a ...

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Archrock

AR Analyst Specialist

Houston, TX · On-site

$19.25 - $25.50/hr

The position responsibilities include supporting and performing various tasks to manage the billing and debt collection processes; within the Accounting department. In this position, duties may ...

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All JobsDebt Collector JobsDebt Collector Jobs in Spring, TX

Debt Collector information

See Spring, TX salary details

$7

$16

$23

How much do debt collector jobs pay per hour?

As of Jun 24, 2026, the average hourly pay for debt collector in Spring, TX is $16.36, according to ZipRecruiter salary data. Most workers in this role earn between $13.70 and $17.74 per hour, depending on experience, location, and employer.

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.

Is being a debt collector a good career?

Debt collectors are responsible for contacting individuals to recover overdue payments, often working in call centers or office environments. The job requires strong communication skills, knowledge of debt collection laws, and can involve irregular hours or high-pressure situations. It can offer steady employment and opportunities for advancement but may also involve stressful interactions and strict compliance requirements.

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 knowledge of debt collection laws, and may provide on-the-job training; a valid driver’s license can also be beneficial for fieldwork. Certification is not mandatory but can enhance job prospects and credibility in the field.

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.

How much do debt collectors get paid?

Debt collectors typically earn an average salary ranging from $30,000 to $50,000 annually, depending on experience, location, and whether they work on commission or salary. Some positions may include bonuses or incentives based on collection performance, and strong communication skills are essential for success in this role.

What jobs pay 10,000 a month without a degree?

A debt collector can earn around $10,000 per month with experience, strong negotiation skills, and a good commission structure, often working in a commission-based environment. High earnings in such roles typically depend on performance, industry, and location, with some collectors earning substantial bonuses or commissions beyond base pay.

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 Spring, TX? The most popular types of Debt Collector jobs in Spring, TX are:
What are popular job titles related to Debt Collector jobs in Spring, TX? For Debt Collector jobs in Spring, TX, the most frequently searched job titles are:
What job categories do people searching Debt Collector jobs in Spring, TX look for? The top searched job categories for Debt Collector jobs in Spring, TX are:
What cities near Spring, TX are hiring for Debt Collector jobs? Cities near Spring, TX with the most Debt Collector job openings:
Debt Collector jobs near you
Customer Service Representative - Houston, TX

Customer Service Representative - Houston, TX

Tower Loan

Houston, TX • On-site

$15.25 - $20.75/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Tower Loan rating

6.3

Company rating: 6.3 out of 10

Based on 19 frontline employees who took The Breakroom Quiz

Job description

We take pride in what we do! Deciding to come grow with us is an exciting opportunity to enhance your career success stories. You are the center to what we do. We would love to have you here!
At Tower Loan, our Customer Service Representatives (CSRs) are at the heart of our business! As a CSR, you'll play a key role in delivering exceptional customer service while building relationships and helping our customers find the right financial solutions. Whether you're looking for a long-term career in customer service or aiming to grow into leadership roles, Tower Loan provides the tools, training, and opportunities to help you succeed.
This full-time position has competitive pay, performance-based incentives, and excellent benefits. If you thrive in a fast-paced, people-focused environment, this is the perfect opportunity for you!
In the Role
  • Cultivate strong customer relationships by offering excellent service and promoting relevant financial solutions.
  • Receive and process payments in customer accounts.
  • Market to current, former, and potential customers to drive loan production.
  • Maintain and secure cash drawers and accounting activities, including but not limited to balancing and preparing deposits accurately.
  • Execute office administrative activities, including checking branch mail, filing, purchasing office supplies, etc.
  • Process loan applications and collect payments due.
  • Perform all other duties as assigned.

Required
  • High School Diploma or GED
  • Must have a valid driver's license and reliable vehicle

Preferred
  • Cash Handling, Sales, or Customer Service experience

Location: On-Site
The schedule for this position is Monday through Friday from 8:30 AM to 5:30 PM, with some extended hours during the week as needed, which may include Saturday.
Who We Are
Tower Loan provides you with the opportunity to earn a competitive salary plus performance-based incentives. You can take charge of your future by advancing into leadership roles. With our comprehensive training programs, strong promote-from-within culture, and continuous growth opportunities, your career path is in your hands. Plus, we have a chance every day to make a real impact on the lives of our customers!
Other team member benefits include:
  • Health and Well-Being Options, including Medical, Dental, Vision, Employee Assistance Program, and Life Insurance
  • Up to 3% 401(k) Match
  • Paid Time Off (16 days per year after one full year, cash back for unused time)
  • Paid Holidays
  • Annual Raises and Performance Bonuses
  • Monthly Incentive and Employee Referral Bonuses
  • Participation in Charitable Campaigns

Tower Loan has been a trusted name in consumer finance for over 80 years. We provide individuals with responsible access to credit to help them achieve their financial goals. We take pride in offering personal loans, home equity loans, and retail financing, helping our customers consolidate debt, cover unexpected expenses, and invest in their futures.
With almost 260 office locations across six states, our dedicated team members build customer relationships and provide personalized financial solutions in person, by phone, and online. We are committed to serving our communities, fostering a culture of growth and development, and creating career opportunities through our strong promote-from-within philosophy.
At Tower Loan, we believe in empowering our customers and employees to help people build brighter futures, which has been at the heart of what we do for decades. Now is the perfect time to grow with us!
  • Discover more about our company and culture!
  • Read what our customers are saying about us!

What Tower Loan employees say

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