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Debt Counselor Jobs (NOW HIRING)

Direct Counsel

Debt Finance Associate Attorney

Boston, MA · On-site

$260K - $390K/yr

Direct Counsel is seeking a Debt Finance Associate with 3-6 years of experience to join a premier finance practice representing private equity sponsors, corporate borrowers, lenders, and other market ...

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How much do debt counselor jobs pay per hour?

As of Sep 5, 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.

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 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 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 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.

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Debt Counselor jobs near you
Infographic showing various Debt Counselor job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, 1% Temporary, and 1% Contract. Highlights an 86% Physical, 3% Hybrid, and 11% Remote job distribution, with an average salary of $41,470 per year, or $19.9 per hour.

Debt Counselor- In Person

DuTrac Community Credit Union

Iowa, IA • On-site

Full-time

Re-posted 11 days ago

Job description

Our mission at DuTrac is to be a trusted partner with our members to make a difference in their lives by working directly with each person to help them achieve their financial goals.  Our staff provides excellent service to our members and builds long term relationships to make sure our members succeed in whatever those goals may be.  Our Debt Counselors at DuTrac have the power to be the difference maker!

The primary role of a Debt Counselor is to counsel members and assist them in resolving delinquent payment situations; to preserve the credit union's assets by controlling delinquent loan accounts, collecting delinquent loan payments, initiating action necessary to collect on delinquent accounts and/or recovering collateral.

Essential Functions & Responsibilities:

  • Contacts and counsels by phone and mail members who are delinquent in their payments; obtains satisfactory arrangements and determines financial ability to repay; takes appropriate action to bring current, including recommending extension agreements.
  •  Analyzes financial situation of delinquent borrowers to determine if further action is necessary to protect the credit union against further losses; when other arrangements to bring the loan current are unsuccessful, takes further actions, including the proper and legal repossession of collateral, maintenance, disposition of credit union collateral, and recommendations for charging off debt.
  •  Maintains accurate files and reports on all collections activity; utilizes on-line system to maintain current data.
  • Coordinates the processing and filing of bankruptcy claims, the collection of charge off accounts, and any legal action on delinquent accounts.
  • Communicates with other financial institutions, repossession agents, attorneys, and the courts to solve problems and collect delinquent loans. Testifies at legal proceedings as required. Has knowledge of and follows credit union legal compliance and policies.
  • Resolves credit reporting disputes.

Ideal candidates will have the following experience:

  • One to three years of similar experience.
  • Knowledge of lending process is helpful.
  • Very organized and strong record keeping skills.
  • Outstanding written and verbal communication skills.

Integrity, Community, Engagement and Education are the qualities you will find in DuTrac's working environment.  You will appreciate working in DuTrac's family-friendly culture that provides excellent opportunities for both personal and professional growth while providing a competitive salary and benefits package.

Find out more about DuTrac and all of our open positions at www.dutrac.org/careers and apply today!!

DuTrac is proud to be an Equal Opportunity Employer.

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