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Debt Settlement Representative Jobs (NOW HIRING)

Coastal Debt Resolve

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Outbound Call Center Representative

Fort Lauderdale, FL · On-site

$60K - $80K/yr

Outbound Sales Representative Coastal Debt Resolve Fort Lauderdale, Florida, United States (On-site ... Familiarity with Merchant Cash Advance (MCA) and the debt settlement industry. * Experience with ...

Vandelay Administrative Services LL

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Client Services Representative

Boynton Beach, FL · On-site

$15 - $20.50/hr

Position Summary The Client Services Representative serves as a primary point of contact for clients enrolled in our debt settlement program. This role is responsible for guiding clients through the ...

Vandelay Administrative Services LL

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Client Services Representative

Boynton Beach, FL · On-site

$15 - $20.50/hr

Position Summary The Client Services Representative serves as a primary point of contact for clients enrolled in our debt settlement program. This role is responsible for guiding clients through the ...

VentureTech Solutions

Sales Representative

Sunrise, FL · On-site

Job Overview Sales Representative | Settlement Sales Associate | Financial Sales Consultant Hiring ... Debt Settlement * Debt Resolution * Personal Loans * Mortgage Sales * Insurance Sales * Banking

VentureTech Solutions

Sales Representative

Sunrise, FL · On-site

Job Overview Sales Representative | Settlement Sales Associate | Financial Sales Consultant Hiring ... Debt Settlement * Debt Resolution * Personal Loans * Mortgage Sales * Insurance Sales * Banking

National Debt Relief, LLC.

Client Success Agent II

$21/hr

The Client Success Agent II provides exceptional voice support in an unscripted environment for clients enrolled in our debt settlement program. A typical day consists of making and answering inbound ...

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All JobsDebt Settlement Representative Jobs

Debt Settlement Representative information

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$24.5K

$44.2K

$77K

How much do debt settlement representative jobs pay per year?

As of Aug 26, 2026, the average yearly pay for debt settlement representative in the United States is $44,219.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $43,000.00 per year, depending on experience, location, and employer.

What does a debt settlement representative do?

A Debt Settlement Representative works with individuals who are struggling to pay off their debts. Their primary role is to negotiate with creditors on behalf of clients to reduce the total amount owed, often arranging for a lump-sum payment that is less than the full balance. They guide clients through the settlement process, help develop payment plans, and provide advice on managing finances. Debt Settlement Representatives also handle paperwork and communicate regularly with both clients and creditors to ensure agreements are met.

What are the key skills and qualifications needed to thrive as a debt settlement representative?

To thrive as a Debt Settlement Representative, you need strong negotiation skills, knowledge of financial regulations, and a background in finance or customer service. Familiarity with CRM software, debt management systems, and sometimes certification in credit counseling is typically required. Excellent communication, empathy, and problem-solving abilities help build trust with clients and resolve sensitive financial issues. These skills are crucial for achieving successful settlements, maintaining client relationships, and ensuring compliance with industry standards.

What are the typical challenges faced by a debt settlement representative when negotiating with creditors?

Debt Settlement Representatives often encounter challenges such as dealing with creditors who are unwilling to negotiate or who have strict settlement policies. Additionally, representatives must effectively manage clients' expectations, as settlements may take time and results can vary. Building trust with both clients and creditors, maintaining detailed records, and handling sensitive financial information are essential daily tasks. Strong communication skills and resilience are crucial to navigate complex financial discussions and achieve successful outcomes.

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

AspectDebt Settlement RepresentativeDebt Collector
CredentialsOften requires knowledge of debt laws, negotiation skills, and sometimes certification in debt managementTypically requires knowledge of debt collection laws and may need licensing depending on the state
Work EnvironmentOffice setting, engaging with clients to negotiate debt settlementsField or call center environment, pursuing overdue accounts
Employer & IndustryDebt settlement companies, financial servicesCollection agencies, financial institutions

While both roles involve working with debt, a Debt Settlement Representative focuses on negotiating to reduce total debt owed, often working directly with clients. In contrast, a Debt Collector primarily contacts debtors to recover overdue payments, often following strict legal guidelines. Understanding these differences helps job seekers identify the right career path in the debt resolution industry.

More about Debt Settlement Representative jobs

What job categories do people searching Debt Settlement Representative jobs look for?

The top searched job categories for Debt Settlement Representative jobs are:

Debt Settlement Representative jobs near you
Infographic showing various Debt Settlement Representative job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $44,219 per year, or $21.3 per hour.

Debt Settlement Specialist - MI

Stillman Law Office

Farmington Hills, MI • On-site

$18 - $20/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 29 days ago

Job description

Location: Farmington Hills, Michigan (Onsite)
Compensation: $18.00 - $20.00 per hour, based on experience and qualifications.
About Stillman Law Office
Stillman Law Office is a multi-state creditors' rights law firm headquartered in Farmington Hills, Michigan. We are committed to delivering exceptional client service while maintaining the highest standards of professionalism, compliance, and operational excellence.
As our organization continues to grow, we are seeking a motivated and detail-oriented Debt Settlement Specialist to join our Collections Department. This role is ideal for an individual who enjoys communicating with consumers and external representatives, negotiating solutions, and helping resolve accounts through professional and effective communication.
Position Summary
The Debt Settlement Specialist is responsible for supporting account resolution efforts through outbound communications, email correspondence, and consumer portal interactions. This position works directly with Debt Settlement Agencies and consumers to negotiate settlements, discuss account resolution options, and facilitate positive outcomes for all parties.
The ideal candidate is a strong communicator, organized, customer-focused, and comfortable managing both phone and email-based negotiations in a fast-paced environment.
Key Responsibilities
  • Conduct outbound calls to Debt Settlement Agencies (DSAs) and consumers regarding account resolution opportunities.
  • Negotiate settlement arrangements within established guidelines and authorization limits.
  • Manage incoming and outgoing communications through email, consumer portals, and telephone interactions.
  • Respond professionally and promptly to inquiries from Debt Settlement Agencies, consumers, and other stakeholders.
  • Review account information and assess available resolution options based on established policies and procedures.
  • Accurately document communications, settlements, and account activity within the Firm's systems.
  • Maintain a strong understanding of settlement programs, account statuses, and available resolution strategies.
  • Collaborate with team members and leadership to achieve departmental performance objectives.
  • Identify communication trends, recurring issues, and opportunities for process improvement.
  • Ensure all interactions are conducted in compliance with applicable laws, regulations, client requirements, and Firm policies.
  • Deliver exceptional customer service while balancing productivity, quality, and compliance expectations.
Qualifications
Required
  • High school diploma or equivalent.
  • Strong written and verbal communication skills.
  • Excellent customer service and interpersonal skills.
  • Ability to negotiate effectively and professionally.
  • Strong attention to detail and organizational skills.
  • Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
  • Proficiency in Microsoft Office Suite, including Outlook, Word, and Excel.
  • Ability to work collaboratively within a team environment while maintaining individual accountability.
Preferred
  • Prior collections, customer service, call center, account resolution, negotiation, or debt settlement experience.
  • Experience communicating with consumers regarding payments, settlements, or account resolution.
  • Familiarity with collection laws, regulations, and compliance requirements.
  • Experience working with email-based customer support and account management.
  • Familiarity with collection management platforms and legal case management systems, including Cogent.
Skills & Abilities
  • Strong negotiation and conflict resolution skills.
  • Professional and confident communication style.
  • Ability to build rapport and maintain productive business relationships.
  • Sound judgment and decision-making abilities.
  • Strong attention to detail and accuracy.
  • Self-motivated with a results-oriented mindset.
  • Ability to adapt to changing priorities and departmental needs.
  • Commitment to providing exceptional service while maintaining compliance standards.
Benefits
Stillman Law Office offers a competitive benefits package designed to support the health, well-being, and professional growth of our employees, including:
  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Life insurance
  • 401(k)
  • Paid time off (PTO)
  • Monthly Performance Bonus
  • Opportunities for professional growth and advancement
  • Collaborative and team-oriented work environment
Pre-Employment Requirements
Employment is contingent upon successful completion of:
  • Background check
  • Drug screening
Equal Employment Opportunity
Stillman Law Office is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other protected characteristic under applicable law.

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