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Debt Settlement Representative Jobs (NOW HIRING)

MCA Clarity

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MCA Settlement Specialist / Debt Relief Sales Rep (Warm + Cold)

New York, NY · Remote

$100K - $140K/yr

Explain how MCA settlement works and how MCA Clarity can reduce their payments and total debt ... Average rep lands around $120K base plus commissions , and there's no cap on top of that. Your ...

Vandelay Administrative Services LL

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Client Services Representative

Boynton Beach, FL

$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

$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 ...

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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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 Jul 15, 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 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.

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 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, and why are they important?

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.
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 July 2026, with employment types broken down into 92% Full Time, 7% Part Time, and 1% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $44,219 per year, or $21.3 per hour.

Debt Settlement Specialist / Sales Rep

National Debt Cure

Staten Island, NY • On-site

$16 - $35/hr

Full-time

Retirement

Re-posted 7 days ago

Job description

DEBT SPECIALIST


Are you looking for a Debt Specialist opportunity that offers:

  • a competitive compensation plan
  • uncapped earning potential reaching over $100K to upwards of $200K or more
  • a successful and rewarding career with a company that offers growth and ongoing training?

Come join us at National Debt Cure, we are looking for Debt Specialists who will take a consultative approach to assisting our customers with their unsecured debt. Our mission is to help them achieve financial freedom and meet their goals. In this role you will be helping them to get there. The Ideal candidate will have a strong personality, sense of individuality, and a fervent drive and determination to help others.

Responsibilities:

As a Debt Specialist with National Debt Cure you will…

  • Successfully acquire new customers through prospecting efforts and by fielding new inbound inquiries
  • Engage customers from our existing database through various channels (phone, email, SMS, etc.)
  • Work and collaborate with members of cross-department team to manage active, in-process business and provide exceptional, responsive customer service
  • Analyze client portfolios to determine the best strategy to help clients achieve financial freedom as quickly as possible


We offer…

  • Hourly wage starting at 15.00 + a generous tiered commission. (On average, a first-year sales representative can expect to earn $55,000 or more. Experienced sales reps can make $100k+)
  • Remote (work-from-home) position for applicants who have prior debt settlement or related sales experience only
  • In office position with paid training for those without prior debt settlement or related sales experience
    Uncapped Income Potential
  • Competitive compensation package
  • Awards for reaching production targets
  • Ongoing sales training
  • Accelerated Growth Opportunity
  • 401K with Company Match
  • 7 Days PTO
  • Paid Holidays
  • An Unmatched Company Culture
  • Employee Referral Bonuses

Qualifications & Skills

  • 1+ years experience as a Debt Specialist/Debt Resolution Specialist
  • Strong business acumen and professionalism
  • Excellent verbal and written communication
  • High energy, competitive, passionate, and motivated to be #1
  • Ability to thrive in a fast-paced environment
  • Effective communicator & listener
  • Enjoys talking to people on the phone
  • Displays empathy, understanding & relatability
  • Strong problem-solving skills and detail oriented
  • Can work independently and with a team

Company Description

Well established, owner operated, company operating successfully since 2006, having helped well over 100,000 consumers nationwide. Majority of our employees, affiliates and vendors have been with the company for well over 8 years and counting. We offer the right candidates opportunities across multiple verticals to increase earning potential.