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Debt Settlement Negotiator Jobs (NOW HIRING)

DebtBlue

Settlement Negotiator

Richardson, TX · On-site

$20/hr

Traditional Negotiator - Negotiations Department DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and families regain financial stability. We serve with ...

Stillman Law Office

Debt Settlement Specialist - MI

Farmington, MI · On-site

$18 - $20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... Debt Settlement Specialist to join our Collections Department. This role is ideal for an individual ... negotiating solutions, and helping resolve accounts through professional and effective ...

DebtBlue

Settlement Negotiator

Richardson, TX · On-site

Traditional Negotiator | Negotiations Department DebtBlue, LLC - Richardson, TX | On-Site, 5 Days a ... DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ...

DebtBlue

Settlement Negotiator

Richardson, TX

$20/hr

Traditional Negotiator | Negotiations DepartmentDebtBlue, LLC - Richardson, TX | On-Site, 5 Days a ... DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ...

DebtBlue

Settlement Negotiator

Richardson, TX · On-site

Traditional Negotiator | Negotiations Department DebtBlue, LLC - Richardson, TX | On-Site, 5 Days a ... DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ...

DebtBlue

Settlement Negotiator

Richardson, TX · On-site

$20/hr

Traditional Negotiator | Negotiations DepartmentDebtBlue, LLC - Richardson, TX | On-Site, 5 Days a ... DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ...

DebtBlue

Certified Debt Specialist

Richardson, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Experience in legal intake, debt settlement, negotiations, or administrative support is a plus Key Behaviors Aligned with DebtBlue Values * Growth Mindset Relentlessly pursue improvement and commit ...

DebtBlue

Certified Debt Specialist

Richardson, TX · On-site

$30K/yr

  • Medical

  • Dental

  • Vision

  • PTO

... debt settlement, negotiations, or administrative support is a plusKey Behaviors Aligned with ... DebtBlue ValuesGrowth Mindset Relentlessly pursue improvement and commit to becoming your best self.

DebtBlue

Certified Debt Specialist

Richardson, TX · On-site

$30K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Experience in legal intake, debt settlement, negotiations, or administrative support is a plus Key Behaviors Aligned with DebtBlue Values * Growth Mindset Relentlessly pursue improvement and commit ...

DebtBlue LLC

Traditional Negotiator

Richardson, TX

$20/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ... The Negotiation Specialist will report to the Negotiations Manager. Pay : $20hr plus Bonus Hours:

DebtBlue

Certified Debt Specialist

Richardson, TX · On-site

$30K/yr

... debt settlement, negotiations, or administrative support is a plusKey Behaviors Aligned with ... DebtBlue ValuesGrowth Mindset Relentlessly pursue improvement and commit to becoming your best self.

Coastaldebt

Retention Specialist

Fort Lauderdale, FL · On-site

$25/hr

... Debt Resolve products. • Maintain detailed notes in the CRM of client interactions, settlement qualifications, negotiations, and agreements. • Encourage and motivate clients to continue with ...

Better Debt Solutions

Client Advisor

Irvine, CA

$20K - $40K/mo

  • Medical

  • Dental

  • Vision

  • PTO

... negotiation, and client-building skills needed to consistently succeed in debt relief sales. Why ... We invest in the best debt settlement leads so you can focus on closing. * Monthly Bonuses, SPIFFS ...

Better Debt Solutions

Client Advisor

Irvine, CA · On-site

$20K - $40K/mo

... negotiation, and client-building skills needed to consistently succeed in debt relief sales. Why ... We invest in the best debt settlement leads so you can focus on closing. * Monthly Bonuses, SPIFFS ...

Better Debt Solutions

Client Advisor

Irvine, CA · On-site

$20K - $40K/mo

  • Medical

  • Dental

  • Vision

  • PTO

... negotiation, and client-building skills needed to consistently succeed in debt relief sales. Why ... We invest in the best debt settlement leads so you can focus on closing. * Monthly Bonuses, SPIFFS ...

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All JobsDebt Settlement Negotiator Jobs

Debt Settlement Negotiator information

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$47.5K

$85.8K

$119K

How much do debt settlement negotiator jobs pay per year?

As of Aug 14, 2026, the average yearly pay for debt settlement negotiator in the United States is $85,750.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What does a debt settlement negotiator do?

A Debt Settlement Negotiator works on behalf of individuals or companies to negotiate with creditors and reduce the total amount of debt owed. They communicate directly with creditors to reach agreements for lower payoffs, often helping clients avoid bankruptcy. Their goal is to settle debts for less than the full balance, providing financial relief to those struggling with unmanageable debt. Debt Settlement Negotiators may work for debt settlement companies, law firms, or independently.

What are some common challenges debt settlement negotiators face when working with creditors and clients?

Debt Settlement Negotiators often encounter challenges such as handling high-stress situations, managing clients' expectations about outcomes, and navigating difficult conversations with creditors. Negotiators must balance clients' financial limitations with creditor demands while adhering to legal and ethical guidelines. Success in this role requires strong communication skills, persistence, and the ability to remain calm and solution-focused under pressure, as negotiations can be complex and sometimes protracted.

What are the key skills and qualifications needed to thrive as a debt settlement negotiator, and why are they important?

To thrive as a Debt Settlement Negotiator, you need strong negotiation abilities, a solid understanding of debt laws and financial products, and typically a background in finance or related fields. Familiarity with CRM software, debt management systems, and sometimes certification from credit counseling organizations is common. Exceptional communication, empathy, and problem-solving skills help build trust and achieve favorable outcomes for clients. These skills are crucial for effectively advocating for clients, managing high-stress negotiations, and ensuring compliance with industry regulations.

What is the difference between Debt Settlement Negotiator vs Debt Collector?

AspectDebt Settlement NegotiatorDebt Collector
CredentialsMay require certifications like CDF (Certified Debt Specialist)No specific certifications typically required
Work EnvironmentOffice-based, client-facing, negotiates with creditorsField or office-based, contacts debtors to recover owed funds
Employer & IndustryDebt settlement companies, financial servicesCollection agencies, debt recovery firms
Primary FocusNegotiating reduced debt settlements for clientsRecovering debts owed to creditors

While both roles involve dealing with debt, a Debt Settlement Negotiator focuses on negotiating reduced payments for clients, whereas a Debt Collector works to recover owed funds directly from debtors. The roles differ in their approach, environment, and employer types, but both require knowledge of debt laws and negotiation skills.

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What cities are hiring for Debt Settlement Negotiator jobs?

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What are the most commonly searched types of Debt Settlement Negotiator jobs?

The most popular types of Debt Settlement Negotiator jobs are:

What states have the most Debt Settlement Negotiator jobs?

States with the most job openings for Debt Settlement Negotiator jobs include:

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Debt Settlement Negotiator jobs near you
Infographic showing various Debt Settlement Negotiator job openings in the United States as of August 2026, with employment types broken down into 90% Full Time, 9% Part Time, and 1% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution, with an average salary of $85,750 per year, or $41.2 per hour.

Settlement Negotiator

DebtBlue

Richardson, TX • On-site

$20/hr

Full-time

Re-posted 4 days ago

Job description

Traditional Negotiator - Negotiations Department
DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and families regain financial stability. We serve with integrity, compassion, and excellence-helping people restore peace of mind and move toward a stronger financial future. If you value meaningful work and want to make an impact, you'll feel at home here.Job Summary
The Traditional Negotiator at DebtBlue plays a critical role in helping individuals regain control of their financial future. This position is responsible for both negotiating settlements with creditors and engaging directly with clients seeking relief from overwhelming debt.
This role combines strong negotiation expertise with consultative client engagement. The specialist conducts financial consultations, guides clients through debt resolution solutions, and works with creditors, collection agencies, and law firms to secure favorable settlements.
Success in this role requires consultative sales ability, emotional intelligence, disciplined execution, and a commitment to delivering exceptional client experiences while achieving performance goals.
** This position is ON-SITE in Richardson, TX 5 days a week **
Key Responsibilities
  • Negotiate with creditors, collection agencies, and attorney offices on behalf of our clients
  • Effectively manage an open queue of accounts to consistently hit your monthly production expectation to meet department budgets
  • Review clients account to determine funds necessary to complete settlement and payment of company fees in proper amount of time set forth by the department
  • Manage the relationship between the Creditors and our business
  • Calculate acceptable percentages for settlement according to guidelines set forth by department
  • Maintain spreadsheet of all client settlements to track payments and letters
  • Other duties as required to support department operations
Core Competencies
  • Consultative Skills Ability to diagnose financial situations, build trust, and guide clients toward appropriate solutions.
  • Emotional Intelligence & Empathy Ability to connect with individuals experiencing financial stress while maintaining professionalism and compassion.
  • Communication & Influence Clear, confident communication that helps clients understand and commit to solutions.
  • Discipline & Execution Strong personal accountability for activity levels, pipeline management, script compliance and results.
  • Adaptability & Continuous Learning Open to coaching, feedback, and continuous improvement.

Required Qualifications:
  • High school diploma or GED (preferred)
  • 3+ years' experience in a customer service, collections, or negotiation role (required)
  • Effective communication skills (verbal and written)
  • A high degree of initiative with the ability to meet and exceed monthly goals
  • Able to prioritize and meet deadlines with little to no supervision
  • Ability to pay close attention to detail and apply policies, procedures, and guidelines to a variety of situations
  • Strong math skills
  • Proficiency in Microsoft Office, SharePoint and client service software, database, and tools
  • Bilingual (Spanish) is a plus
Key Behaviors Aligned with DebtBlue Values
  • Growth Mindset Relentlessly pursue improvement and commit to becoming your best self. Your mindset determines your ceiling.
  • Empathy Listen first, act with compassion, and treat every person with dignity and understanding-because dignity is not negotiable.
  • Empowering Help clients overcome adversity by guiding them toward solutions that restore confidence and financial control.
  • Ownership Own the outcome in every interaction. Practice disciplined accountability-no excuses, just results.
  • Focus Play the next play. Execute with precision and win through attention to detail.
  • Integrity Protect the standard by doing the right thing-always, especially when no one is watching.

Traditional Negotiator's embody DebtBlue's mission to fight for people overwhelmed by debt-negotiating relentlessly, advocating with empathy, and delivering real peace of mind to secure financial independence one client at a time.
Equal Opportunity Employer
DebtBlue, LLC is proud to be an Equal Opportunity Employer and is committed to fostering an inclusive and diverse workplace. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, or any other protected status under applicable laws.
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