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Debt Collector Jobs (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

Bilingual Medical Debt Collector

$15 - $18/hr

Bilingual Medical Debt Collector Pay Range: $15.00- $18.00 per hour | Schedule: Monday-Friday, 8am-5pm EST | Location: Fully Remote Work Where Excellence is Recognized At RSi, we've proudly served ...

Bail Hotline

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Experienced Debt Collector

Riverside, CA · On-site

$20 - $22/hr

Debt Collections Specialist Our Financial Services team is currently seeking dynamic, highly motivated, qualified candidates to join its team at our corporate office in Downtown Riverside who are ...

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 ...

Charlie Health

Debt Collector Associate

Nashville, TN · Hybrid

$15.50 - $20/hr

About the Role At Charlie Health, we take great care in estimating out-of-pocket costs associated with the care we deliver and one of our top priorities is to minimize costs to our patients and their ...

Charlie Health

Debt Collector Associate

Nashville, TN · Hybrid

$15.50 - $20/hr

Why Charlie Health? Millions of people across the country are navigating mental health conditions, substance use disorders, and eating disorders, but too often, they're met with barriers to care.

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Debt Collector information

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How much do debt collector jobs pay per hour?

As of Jun 12, 2026, the average hourly pay for debt collector in the United States is $18.39, according to ZipRecruiter salary data. Most workers in this role earn between $15.38 and $19.95 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.

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Debt Collector jobs near you
Bad Debt Collector

Bad Debt Collector

RSI

Glendale, AZ • On-site

$17/hr

Full-time

Posted 13 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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