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Debt Counselor Jobs (NOW HIRING)

Datrose, Inc

Debt Counselor

Buffalo, NY · Remote

$16/hr

Our client is a leading financial services company and they are seeking a Debt Collection ... Excellent negation, counseling and problem solving skills * Must have your own high-speed internet ...

ConServe

Call Center Representative - Debt Counselor

$16.50 - $20.50/hr

ConServe Representative For 40 years, ConServe has been a leading provider of accounts receivable management and collection services specializing in customized solutions for colleges and universities ...

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How much do debt counselor jobs pay per hour?

As of Jul 2, 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.
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Debt Counselor jobs near you
Debt Counselor

Debt Counselor

Datrose, Inc

Buffalo, NY • Remote

$16/hr

Full-time

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Our Client:

Our client is a leading financial services company and they are seeking a Debt Collection Specialist for their team. This is a temp to hire position (W2 Only) that is expected to last approximately 12 months with the opportunity to convert to permanent after that. The pay rate is $16.00 hr. plus some great additional monthly commission incentives. While this is a remote role, you must live within the Buffalo - Rochester, NY area to be considered.

Veterans are strongly encouraged to apply.

Who We're Looking For:

Are you looking to use your excellent customer service skills to help people who owe money restart their payments? In this role, you'll be responsible for performing collection activities to recover losses from assigned accounts. You will be locating and communicating with debtors via telephone and written notices to obtain repayment in full or to establish acceptable payment arrangements. Additionally, you'll resolve non-routine issues as well as perform skip tracing and contract observance functions to ensure compliance of all company, client, and federal and state regulations.

What to Expect as a Debt Collection Specialist:

  • Communicate with debtors regarding the repayment of their delinquent debt
  • Perform skip tracing to locate debtors
  • Ensure all accounts are worked within client standards and Federal Regulations, including working within FDCPA, state regulations, department/division & DMO Compliance Policies
  • Maintain clear, concise and accurate documentation of all attempts and/or contacts made and received for accounts in accordance with company and client specifications
  • Participate in continuing education, training in industry career development, including maintaining current knowledge of and comply with all federal and state rules and regulations governing collections including FDCPA, Privacy Act, FCRA, etc.

Qualifications for Success:

  • High school diploma or equivalent
  • 6 months previous sales/customer service experience
  • Excellent negation, counseling and problem solving skills
  • Must have your own high-speed internet and a quiet professional home environment; laptop equipment will be provided to you
  • Strong verbal and written communication skills; ability to present clean, organized, and thorough information
  • Maintain strict confidentiality of sensitive information
  • Solid computer literacy in a Windows environment
  • Must be able to obtain required license for collections. Training will be provided!

Datrose is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, pregnancy, status as a parent, age, protected veteran status, family medical history or genetic information, political affiliation, status as a qualified individual with disability, or other non-merit based factors.

Authorization to work in the U.S. is a precondition of employment. Datrose does not sponsor employment visas.


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