ZipRecruiter

Log In

1

Debt Counselor Jobs (NOW HIRING)

CONTINENTAL SERVICE GROUP LLC

Sr Debt Counselor

Buffalo, NY · On-site

$23 - $26/hr

The Sr. Debt Counselor role manages and collects delinquent business and consumer accounts. Our consultative approach helps identify the most suitable way to resolve a balance in the best interest of ...

next page

Showing results 1-20

All JobsDebt Counselor Jobs

Debt Counselor information

See salary details

$13

$19

$30

How much do debt counselor jobs pay per hour?

As of Jul 23, 2026, the average hourly pay for debt counselor in the United States is $19.94, according to ZipRecruiter salary data. Most workers in this role earn between $15.00 and $25.72 per hour, depending on experience, location, and employer.

Are debt counselors worth it?

Debt counselors are professionals who help individuals manage and reduce debt through budgeting, negotiation, and financial planning. Their services can be valuable for those struggling with debt, especially when they have strong communication skills and relevant certifications, and they often work in client-focused environments with flexible schedules.

What Is a Debt Counselor?

A debt counselor is responsible for working with people that have taken on too much consumer debt. As a certified financial professional, you specialize in helping people resolve difficult debt issues and work toward financial recovery. You can work as part of a financial organization or own your own freelance debt consulting business. Your job duties include reviewing credit reports to identify debt issues, working with consumer credit agencies to find solutions, and coaching clients through the financial recovery process.

What is the difference between Debt Counselor vs Credit Counselor?

AspectDebt CounselorCredit Counselor
CredentialsOften requires certification such as Certified Debt SpecialistTypically requires certification like Certified Credit Counselor
Work EnvironmentWorks with clients facing debt issues, often in non-profit or financial institutionsProvides financial education and debt management advice, usually in non-profit agencies
Employer & IndustryFinancial services, non-profits, credit counseling agenciesNon-profit credit counseling agencies, financial education organizations

Debt Counselors and Credit Counselors both assist individuals with financial challenges, often requiring similar certifications. While Debt Counselors focus more on debt management plans, Credit Counselors emphasize financial education and budgeting. Both roles are vital in helping clients improve their financial health, often working in similar environments and industries.

What are some common challenges debt counselors face when helping clients, and how do they address them?

Debt counselors often encounter clients who are overwhelmed or anxious about their financial situation, which can make initial conversations challenging. Additionally, clients may be reluctant to share all relevant information or may have unrealistic expectations about how quickly debt can be resolved. To address these challenges, debt counselors use strong communication and empathy skills to build trust, provide clear explanations of available options, and set realistic goals. They also stay updated on regulations and resources to offer clients the most effective solutions.

What are the key skills and qualifications needed to thrive as a Debt Counselor, and why are they important?

To thrive as a Debt Counselor, you need strong knowledge of personal finance, debt management principles, and typically a relevant certification such as Certified Credit Counselor or Accredited Financial Counselor. Familiarity with budgeting software, credit reporting systems, and debt management platforms is important for analyzing client situations and creating effective plans. Excellent interpersonal skills, active listening, and the ability to communicate complex information clearly help build trust and motivate clients. These skills and qualities are crucial for guiding clients toward financial stability and ensuring successful debt resolution.

What does a debt counselor do?

A debt counselor helps individuals manage and reduce their debt by analyzing their financial situation, creating repayment plans, and providing financial education. They often work with clients to negotiate with creditors and may hold certifications such as Certified Credit Counselor. The role typically requires strong communication skills and knowledge of debt management programs.

What field of counseling makes the most money?

Among counseling fields, clinical, psychiatric, and substance abuse counselors tend to earn higher salaries, especially with advanced degrees and licensure. Debt counseling generally offers lower to mid-range salaries compared to mental health specialties, but experienced debt counselors with certifications can increase their earning potential. Salary levels also depend on location, employer, and years of experience.

How to become a debt consultant?

To become a debt counselor, you typically need a high school diploma or equivalent, followed by relevant training or certification in debt management or financial counseling. Many employers prefer candidates with a background in finance, social work, or related fields, and some roles may require certification from professional organizations. Gaining experience in customer service or financial advising can also be beneficial.
More about Debt Counselor jobs
What cities are hiring for Debt Counselor jobs? Cities with the most Debt Counselor job openings:
What are the most commonly searched types of Debt Counselor jobs? The most popular types of Debt Counselor jobs are:
What states have the most Debt Counselor jobs? States with the most job openings for Debt Counselor jobs include:
What job categories do people searching Debt Counselor jobs look for? The top searched job categories for Debt Counselor jobs are:
What are popular job titles related to Debt Counselor jobs? For Debt Counselor jobs, the most frequently searched job titles are:
Debt Counselor jobs near you
Infographic showing various Debt Counselor job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 75% Full Time, 20% Part Time, 2% Temporary, and 2% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $41,470 per year, or $19.9 per hour.

Sr Debt Counselor

CONTINENTAL SERVICE GROUP LLC

Buffalo, NY • On-site

$23 - $26/hr

Full-time

Posted 27 days ago

Job description

Position Summary:

The Sr. Debt Counselor role manages and collects delinquent business and consumer accounts. Our consultative approach helps identify the most suitable way to resolve a balance in the best interest of all parties. Due to the competitive nature of these contracts, it is imperative ConServe locates experienced, professional individuals who are customer-focused, enthusiastic, detail-oriented and able to work in a fast-paced environment or remote work environment.

Essential Duties & Responsibilities:

  • The Sr. Debt Counselor provides financial, clerical and administrative services to ensure efficient, timely and accurate repayment of accounts within their scope of work
  • The Sr. Debt Counselor will address collection/accounts receivable issues and assist with special projects based on departmental goals and objectives.
  • Ensure effective decisions are made in the best interest of the client requirements and expectations.
  • Demonstrates the right judgment that is within authority and scope of work
  • Capable of reviewing Secretary of State, P & Ls and various financial documents to ensure resolution is supportable
  • Resolve complex issues
  • Demonstrate a positive working relationship with departments to accomplish the goals and objectives of the client and ConServe.
  • Skip-Tracing – to assist in locating & contacting consumers and businesses
  • Meet daily, weekly and monthly goals as set by management at ConServe.
  • Daily Productivity – Work a specified number of accounts/cases daily and maintain an acceptable level of daily metrics as assigned to the position by Management.
  • Achieve a high level of resolution with a compliant and customer centric approach
  • Record Maintenance – proper management & updating of system to maximize contacts
  • Adherence to ConServe’s Blueprint Quality Management System, Code of Conduct, and Compliance Program

Non-Essential Duties & Responsibilities:

  • Other duties as assigned

Education Requirement:

  • High School Diploma or GED
  • Associates or Bachelor’s Degree preferred

Skills/ Requirements:

  • One (1) year of ConServe collections experience or five (5) years of relevant 3rd party debt collection experience in Higher Education, Financial Services or Government debt collection.
  • Must have prior proven experience with ECMC.
  • Consistent, proven twelve-month performance history.
  • Documented successful debt collection performance records
  • Current or recent debt collection experience preferred.
  • Business to Business asset recovery, sales, marketing or other B2B related skills preferred
  • Strong organizational and time management skills.
  • Attention to detail.
  • Ability to act independently to resolve problems.
  • The ability to work the required scheduled shift.
  • Fluent in conversational English and ability to proficiently read and write English
  • Strong verbal communication skills with the ability to listen, persuade, negotiate and obtain resolution
  • Intermediate Computer skills to document calls and navigate software packages, databases and the internet.
  • Ability to work in a positive, collaborative manner with coworkers
  • Ability and history of maintaining confidentiality and high level of trustworthiness.
  • Ability and history of interacting well with team members and customers in a professional. manner while maintaining a safe work environment.
  • The ability to telework. A teleworker is defined as an employee who works for ConServe from a home, or other remote office, for all of the regularly scheduled work week. A teleworker uses telecommunication technologies, including, but not limited to, soft telephones, virtual facsimiles, computers, electronic mail, and remote Internet connections to access work remotely on a pre-determined basis
    • A secure internet connection, to plug in ConServe equipment into a hardline Ethernet port
    • A private work area in which work activities can be conducted
  • Ability to obtain and maintain Government Security Clearance.
  • Ability to obtain and maintain State Collections Licensure
  • U.S. Citizenship or lawful Permanent Resident alien with three or more years as a permanent resident in the United States.
  • No conflicts of interest with ConServe or our Clients.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job except for periodic breaks pursuant to applicable law.

  • Occasionally lift and/or move up to 25 pounds.
  • Ability to sit or remain sedentary for your entire work shift (8-, 9-, or 10-hour shift)
  • Ability to talk and listen on a phone for your entire work shift (8-, 9-, or 10-hour shift)
  • Ability to type on a computer for your entire work shift (8-, 9-, or 10-hour shift)

Reasonable accommodations may be made to the extent required under applicable law to enable individuals with disabilities to perform the essential functions of this position.

MISSION STATEMENT:

ConServe is dedicated to satisfying the needs of our Clients in a manner consistent with improving the human condition, and that will foster the development of long term mutually beneficial relationships with our Clients, our Employees, our Suppliers and Business Partners and the Community as a whole.

Disclaimer: The above job description is not a contractual or binding document; it is provided as a guide to the types of duties required to be undertaken. Duties may vary from time to time and this description is subject to review. Modifications will be made as needed to support changes in the business climate and requirements.

Continental Service Group, LLC, d/b/a ConServe endeavors to make www.conserve-arm.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact our Recruiting Department at: 585-421-1000, extension: 7 or by emailing: jobs@conserve-arm.com.

Qualified applicants will receive consideration for employment regardless of age, race, color, religion, national origin, sex, sexual orientation, gender, gender identity/expression, genetic disposition, genetic markers/carrier status, disability, creed, veteran status, military status, status as a victim of domestic violence, marital status, familial status, pregnancy, childbirth and related medical conditions, and disability, conviction (limited) or other legally protected status.

ConServe is a Drug Free Workplace