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Debt Settlement Representative Jobs (NOW HIRING)

Guardian Tax

Inside Sales

Irvine, CA · On-site

$95K - $300K/yr

Inside Sales Representative Guardian Tax | Irvine, CA | Full-Time | On-Site Guardian Tax is seeking ... Candidates with experience in financial services, debt settlement, tax services, or other high ...

Guardian Tax

Inside Sales

Irvine, CA · On-site

$95K - $300K/yr

Inside Sales Representative Guardian Tax | Irvine, CA | Full-Time | On-Site Guardian Tax is seeking ... Candidates with experience in financial services, debt settlement, tax services, or other high ...

Guardian Tax

Inside Sales

Irvine, CA

$95K - $300K/yr

Inside Sales Representative Guardian Tax | Irvine, CA | Full-Time | On-Site Guardian Tax is seeking ... Candidates with experience in financial services, debt settlement, tax services, or other high ...

DebtBlue LLC

Traditional Negotiator

Richardson, TX

$20/hr

DebtBlue, LLC is a fast-growing debt settlement organization committed to helping individuals and ... with representatives of creditors, creditor law firms, collection agencies, and debt buyers to ...

Array

Account Executive

... debt settlement. * Research and analyze prospect companies, markets, and client needs to create ... represent Array as a leader in consumer credit solutions. * Travel to meet clients or to attend ...

Array

Account Executive

OR · On-site +1

... debt settlement. * Research and analyze prospect companies, markets, and client needs to create ... represent Array as a leader in consumer credit solutions. * Travel to meet clients or to attend ...

TaxRise

Remote Sales Representative (AZ)

$8.0K - $13K/mo

ABOUT THE ROLE As a Remote Sales Representative at TaxRise, you'll have what every salesperson ... Experience in debt settlement or other financial hardship sales environments * Background in high ...

TaxRise

Remote Sales Representative (TX)

$8.0K - $13K/mo

ABOUT THE ROLE As a Remote Sales Representative at TaxRise, you'll have what every salesperson ... Experience in debt settlement or other financial hardship sales environments * Background in high ...

TaxRise

Remote Sales Representative (FL)

$8.0K - $13K/mo

ABOUT THE ROLE As a Remote Sales Representative at TaxRise, you'll have what every salesperson ... Experience in debt settlement or other financial hardship sales environments * Background in high ...

TaxRise

Remote Sales Representative (TX)

Dallas, TX · Remote

$8.0K - $13K/mo

ABOUT THE ROLE As a Remote Sales Representative at TaxRise, you'll have what every salesperson ... Experience in debt settlement or other financial hardship sales environments * Background in high ...

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All JobsDebt Settlement Representative Jobs

Debt Settlement Representative information

See salary details

$24.5K

$44.2K

$77K

How much do debt settlement representative jobs pay per year?

As of Aug 18, 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.

Bilingual Contact Center Sales Representative - US

Elevation Connect LLC

Remote

$14 - $16/hr

Full-time

Medical, Dental, Vision

Posted 8 days ago

Job description

About Elevation Connect:
Elevation Connect - PERFORMANCE FOR PURPOSE
Elevation Connect delivers a very different contact center experience. We are a customer service and sales company powered by incredibly talented people who are knowledgeable and passionate, and who respond with authentic care for our customers. Our exceptional team members are inspired by our commitment to helping surrounding communities through our "Performance for Purpose" philanthropic model. When people work for a company with purpose, they are driven to out-perform. If you are interested in joining a team that cares about its customers, employees, and your community, please contact us.
Elevation Connect is always on the lookout for candidates to provide extraordinary customer service to our clients. This position is work from home in the United States.
The Sales Representative is the first point of contact for prospective customers who are actively seeking financial relief solutions. In this role, you will guide callers through a consultative sales process - listening to their situation, presenting the right program options, and helping them take a confident first step toward a better financial future. This is a solutions-based sales role focused on connecting people in need with services that can make a meaningful difference in their lives.
The client's program is a leader in the debt settlement industry, with programs designed to address the growing financial stress faced by individuals struggling with overwhelming debt while also helping consumers regain stability and long-term financial control. We work closely with each person to understand their unique financial situation, reviewing their debts, income, and goals, and then collaboratively identify the most effective debt-relief strategies available. By forecasting the types of support and solutions needed, whether debt management, settlement, consolidation, or counseling, we ensure that clients are matched with the right resources at the right time, empowering them to overcome debt and rebuilding a healthier financial future.
Overview of daily activities and Responsibilities:
  • Handle inbound and outbound calls efficiently while maintaining a positive, energetic tone throughout every interaction.
  • Engage customers using a structured needs-discovery framework (ask open-ended questions, actively listen, and mirror customer language) to uncover their true pain points before presenting solutions.
  • Apply consultative selling techniques prioritizing long-term satisfaction over short-term close rates.
  • Build immediate rapport using personalization cues gathered during the call (name, situation, prior purchase history) to create a tailored, trust-based conversation.
  • Guide customers through the decision-making process by educating them on product features and benefits
  • Apply the assumptive close, summary close, or alternative close techniques based on the customer's engagement level and buying signals throughout the call.
  • Overcome objections by reframing concern in terms of value or return on investment.
  • Accurately log call outcomes, customer information, and sales activity in the CRM system in real time to support follow-up.
  • Meet or exceed daily, weekly, and monthly KPIs including conversion rate, average handle time, and revenue targets.
  • Provide accurate, transparent information about products, pricing, and delivery timelines to set proper customer expectations.
  • Perform other duties as assigned.

Requirements:
  • Must be fluent in English and Spanish, verbal and written. Fluency will be tested during the hiring process.
  • A minimum of 1 year of prior experience in a sales position; preference will be given to candidates with prior inbound call center sales experience.
  • Demonstrated knowledge of sales techniques including needs discovery, objection handling, and closing strategies.
  • Excellent customer service skills with the ability to build trust and rapport quickly over the phone.
  • Strong active listening skills and the ability to adapt communication style to different customer personalities.
  • Empathy and patience, particularly when working with elderly or first-time customers.
  • Ability to remain calm, professional, and persuasive in high-volume or high-pressure situations.
  • Advanced verbal communication and interpersonal skills.
  • Comfortable working with CRM software and sales tracking tools.
  • Strong organizational skills and the ability to manage multiple priorities with minimal supervision.
  • A results-driven mindset with a commitment to meeting and exceeding sales goals.
  • Strong work ethic and a team-oriented attitude.

Hours:
  • Production hours will be scheduled Monday through Friday from 9:00am to 8pm eastern time
  • Availability to work should be anytime within this timeframe
  • Training and production dates and hours of operation are subject to change

Additional Information:
  • Position is full-time with benefits (medical, dental, vision) and holiday/sick pay
  • Pay rate is $14 to $16 per hour + a $1 per hour bilingual differential + commission

Work at Home Requirements:
  • Stable high-speed Internet connection at home, must be able to pass a speed test
  • Must have a quiet home office with a door, zero background noise
  • Must have own computer and USB headset

Technology Requirements:
  • Windows PC
    • Dual Core CPU (1.5GHz or better)
    • 8GB RAM
    • 20GB Free Disk space
    • Windows 8.1, or 10
  • macOS
    • Intel Core i7, 2.3 Ghz
    • 8GB RAM
    • Mavericks OS X, version 10.9, Yosemite OS X, version 10.10, El Capitan OS X, version 10.11, Sierra OS X, version 10.12
  • Chromebooks and Linux systems are not supported
  • High-speed internet
    • Internet connection should support at least 10Mbps download and 2Mbps upload (20Mbps down and 5Mbps upload or higher recommended)
    • Latency from employee to data center should be under 150ms one-way
    • Wireless connections (Wi-Fi) are not supported. Employees should be directly connected to their ISP router with an Ethernet cable
    • Satellite internet is not currently supported
  • Wired USB Headset, camera and smartphone (for security ID only) required

Elevation Connect will ALWAYS contact you directly for any information about your application. We will NEVER ask for fees or personal bank information in the interview process. Please be aware of scams.

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