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Merchant Cash Advance (MCA) Representative

Los Angeles, CA · On-site

$1 - $100/hr

Merchant Cash Advance (MCA) Representative Location: In-Person at Los Angeles Office Position Type ... debt settlement, solar, insurance, call-center, or high-volume telephone sales experience is ...

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Guardian Tax

Inside Sales

Irvine, CA · On-site

$95K - $300K/yr

High-volume call center sales representatives * Commission-based and quota-driven sales professionals * Candidates with experience in financial services, tax relief, debt settlement, or other ...

Guardian Tax

Inside Sales

Irvine, CA

$95K - $300K/yr

High-volume call center sales representatives * Commission-based and quota-driven sales professionals * Candidates with experience in financial services, tax relief, debt settlement, or other ...

Guardian Tax

Inside Sales

Chandler, AZ

$87K - $260K/yr

Inside Sales Representative Guardian Tax | Chandler, AZ | Full-Time | In-Office Guardian Tax is ... Financial services, debt settlement, tax services, or other consultative sales environments

Guardian Tax

Inside Sales

Chandler, AZ · On-site

$87K - $260K/yr

Inside Sales Representative Guardian Tax | Chandler, AZ | Full-Time | In-Office Guardian Tax is ... Financial services, debt settlement, tax services, or other consultative sales environments

Guardian Tax

Inside Sales

Chandler, AZ · On-site

$87K - $260K/yr

Inside Sales Representative Guardian Tax | Chandler, AZ | Full-Time | In-Office Guardian Tax is ... Financial services, debt settlement, tax services, or other consultative sales environments

Guardian Tax

Inside Sales

Irvine, CA · On-site

$95K - $300K/yr

High-volume call center sales representatives * Commission-based and quota-driven sales professionals * Candidates with experience in financial services, tax relief, debt settlement, or other ...

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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 Aug 7, 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?

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 August 2026, with employment types broken down into 85% Full Time, 13% Part Time, and 2% Contract. Highlights an 72% Physical, 1% Hybrid, and 27% Remote job distribution, with an average salary of $44,219 per year, or $21.3 per hour.

Inside Sales Representative

National Debt Relief, LLC.

Remote

$31K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 29 days ago

National Debt Relief rating

8.5

Company rating: 8.5 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

Job description

Overview
As a recognized leader in the debt relief industry, we're seeking compassionate, results-driven Inside Sales Representatives who can empower future clients to regain financial confidence and reclaim their sense of well-being. Every interaction is an opportunity to ignite the courage clients need to take bold steps toward their financial future. Through your compassion and expertise, you help them build resilience and move forward on their debt relief journey.
The ideal candidate will become an expert in our debt relief solutions and deliver best-in-class consultations to prospective clients. They are comfortable navigating sensitive and stressful conversations, remaining calm, professional, and empathetic while supporting consumers as they take steps toward financial stability. They are flexible to work varied schedules and can adapt to changing business needs. They are results-driven, with a passion to perform at high levels, and eager to leverage our targeted marketing channels, which eliminate the need for cold calling.
We are currently hiring for positions in AZ, FL, GA, MI, NC, NV, PA, SC, TN, TX, and UT. This is a remote position with an expected start date of 9/25/2026. Work schedules for this role are variable and fluctuate based on business and operational needs and may include evenings, weekends, and non-consecutive days off and typically supports 8-hour shifts within our operational hours.
Responsibilities
  • Consult and enroll qualified clients into National Debt Relief's debt relief programs or recommended options
  • Document client discussions clearly and concisely using Salesforce customer relationship management software
  • Complete IAPDA certification within the first year (company sponsored)
  • Meet performance criteria set forth by the management team. Performance criteria subject to change based on company baselines.
  • Adhere to National Debt Relief and Sales department policies and procedures and any applicable changes to either
  • Accurately recall and document call information, skillfully navigate multiple computer systems with strong multitasking abilities, and
  • De-escalate stressful situations, provide empathetic support to vulnerable clients, and be open to receiving and applying constructive feedback to continuously improve performance

Qualifications
  • 2+ years of experience in a client-facing role, or a college associate's degree equivalent
  • Sales experience a plus
  • Strong business acumen and professionalism
  • Excellent communication skills both verbal and written
  • Previous remote work experience highly preferred
  • Reliable attendance and punctuality are essential
  • Career-minded with a focus on long-term advancement within the organization
  • Proven ability to remain effective and adjust promptly in a fast-paced workplace

National Debt Relief Role Qualifications:
  • Computer competency and ability to work with a computer
  • Prioritize multiple tasks and projects simultaneously
  • Exceptional written and verbal communication skills
  • Punctuality expected, ready to report to work on a consistent basis

Compensation Information
Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for each position across the US. Within the range, individual pay is determined by work location, job-related skills, experience, and relevant education or training. Base rate for position starts at $31,200 annually. Role is eligible for uncapped commissions and bonuses which bring total average compensation your first year to $85,000 annually. The top 20% of the team can make up to $130K.
About National Debt Relief
National Debt Relief was founded in 2009 with the goal of helping an expanding number of consumers deal with overwhelming debt. We are one of the most-trusted and best-rated consumer debt relief providers in the United States. As a leading debt settlement organization, we have helped over 450,000 people settle over $10 billion of debt, while empowering them to lead a healthier financial lifestyle and feel free to live their best life. At National Debt Relief, we treat our clients like real people. Our purpose is to elevate, empower, and transform their lives.
Rated A+ by the Better Business Bureau, our goal is to help individuals and families get out of debt with the least possible cost through conducting financial consultations, educating the consumer and recommending the appropriate solution. We become our clients' number one advocate to help them reestablish financial stability as quickly as possible.
Want to learn more about who we are? Connect with us on social!
Benefits
National Debt Relief is a team-oriented environment full of rewards and growth opportunities for our employees. We are dedicated to our employee's success and growth within the company, through our employee mentorship and leadership programs.
Our extensive benefits package includes:
  • Generous Medical, Dental, and Vision Benefits
  • 401(k) with Company Match
  • Paid Holidays, Volunteer Time Off, Sick Days, and Vacation
  • 12 weeks Paid Parental Leave
  • Pre-tax Transit Benefits
  • No-Cost Life Insurance Benefits
  • Voluntary Benefits Options
  • ASPCA Pet Health Insurance Discount
  • Wellness Incentive Program

National Debt Relief is a certified Great Place to Work®!
National Debt Relief is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, or any other status protected by law.
For information about our Employee Privacy Policy, please see here
For information about our Applicant Terms, please see here
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