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Debt Jobs in Arizona (NOW HIRING)

RSI

Bad Debt Collector

Glendale, AZ · On-site

$17/hr

You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of correspondence. Occasionally you'll do some follow-up to insurance companies for a smooth account ...

RSI ENTERPRISES INC

Bad Debt Collector

Glendale, AZ · Remote

$17/hr

You'll flex your skills in skip tracing to track down those debtors and make sure you're on top of correspondence. Occasionally you'll do some follow-up to insurance companies for a smooth account ...

Debt Advisors

HIGHENERGY CALL CENTER PROFESSIONALS

Phoenix, AZ · On-site

$15.50 - $19.75/hr

Debt Advisors Help Are you confident, motivated, and ready to take control of your income? Do you thrive in a fast-paced, supportive, NO-DRAMA, high-performance environment? If you said YES , we want ...

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See Arizona salary details

$12

$18

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How much do debt jobs pay per hour?

As of Aug 13, 2026, the average hourly pay for debt in Arizona is $18.58, according to ZipRecruiter salary data. Most workers in this role earn between $13.99 and $23.99 per hour, depending on experience, location, and employer.

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

To thrive as a Debt Collector, you need strong negotiation skills, knowledge of relevant laws (such as the Fair Debt Collection Practices Act), and a high school diploma or equivalent. Familiarity with debt collection software, CRM systems, and basic office tools is typically required. Excellent communication, resilience, and problem-solving abilities help professionals manage difficult conversations and maintain professionalism. These skills are crucial for maximizing recovery rates while ensuring compliance and maintaining positive client relationships.

What are some common challenges faced by professionals working in debt collection roles, and how can these be managed effectively?

Professionals in debt collection frequently encounter challenges such as dealing with reluctant or distressed debtors, maintaining compliance with regulations, and managing high call volumes. Effective communication, empathy, and strong negotiation skills are essential for resolving accounts while preserving positive client relationships. Staying up-to-date with legal requirements and participating in ongoing training can help debt collectors navigate complex situations and mitigate risks. Additionally, collaborating closely with legal and finance teams ensures all actions are compliant and ethically sound.

What is a debt collector?

Debt collectors are professionals or agencies hired by creditors to recover unpaid debts from individuals or businesses. Their main role is to contact debtors through phone calls, letters, or emails to negotiate repayment plans or settlements. Debt collectors must follow regulations set by laws such as the Fair Debt Collection Practices Act (FDCPA) in the United States, which protects consumers from abusive practices. If the debt cannot be collected, they may recommend further legal action. It is important for consumers to understand their rights when dealing with debt collectors.

What is the difference between Debt vs Credit Analyst?

AspectDebtCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require finance or accounting certificationsBachelor's degree in finance, economics, or related field; certifications like CFA can be beneficial
Work EnvironmentFinancial institutions, debt collection agencies, or lending companiesBanks, lending firms, or credit bureaus
Employer & Industry UsagePrimarily in debt collection, debt management, or lending sectorsIn banking, lending, and financial analysis sectors

Debt professionals focus on managing, collecting, or restructuring debt, while Credit Analysts evaluate the creditworthiness of individuals or companies to determine lending risk. Both roles require financial knowledge but serve different functions within the financial industry.

What are the most commonly searched types of Debt jobs in Arizona? The most popular types of Debt jobs in Arizona are:
Debt jobs near you
Infographic showing various Debt job openings in Arizona as of August 2026, with employment types broken down into 90% Full Time, 9% Part Time, and 1% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $38,645 per year, or $18.6 per hour.

Call Center Debt Collector

Zwicker & Associates, P.C.

Tempe, AZ • On-site

$17.50 - $20/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 12 days ago

Zwicker & Associates rating

4.6

Company rating: 4.6 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

34th of 34 rated law firms

Job description

Description:

The most prestigious lending institutions trust Zwicker & Associates, P.C. to protect their legal interests nationwide. Zwicker & Associates P.C. is a national creditor rights law firm that emphasizes ethics, compliance, and assertive representation of our clients’ interests, making us the industry leader in debt collection. Founded in 1991, Zwicker represents lenders in various consumer and commercial recovery efforts and litigation. Zwicker is headquartered in Andover, Massachusetts, with offices across the United States.


Zwicker & Associates is currently seeking Debt Collectors to join our team. The role provides paid onsite training for three weeks, including weekly pay and monthly bonuses. The pay rate is $17.50-$20.00 per hour, based on relevant experience, with uncapped bonus potential. We offer a $500 Retention Bonus for all new Collectors who remain actively employed with us for six months.


The office is located at 1225 W. Washington Street, Tempe, AZ. The schedule is Monday - Friday, no weekends. Business hours run from 7 AM to 7 PM.


Benefits

  • Health insurance
  • Vision insurance
  • Dental insurance
  • 401(k)
  • Paid time off

Responsibilities of Debt Collectors

  • Establish contact with consumers to discuss delinquencies and ability/willingness to pay, and to identify the appropriate repayment programs/options available to them.
  • Record accurate and detailed notes; update account status and card members’ information into the computer system
  • Meet or exceed daily, weekly, and monthly performance goals, deadlines, and objectives
  • Comply with policies and procedures of Zwicker & Associates, P.C.
  • Comply with FDCPA and state consumer protection laws
  • Other duties as assigned
Requirements:
  • Above-average administrative and phone skills
  • Debt collectors must have strong negotiation skills
  • Excellent communication skills
  • Well-organized, results-driven
  • Effective decision-making skills
  • Strong listening, interpersonal, oral, and written communication skills
  • Basic math and computer skills. You will be required to complete a standard math and computer skills assessment. Failure to satisfactorily complete this assessment could result in termination of employment.
  • Be able to communicate in a common language with (or to) individuals or groups verbally and/or in writing.
  • Be able to operate a computer, phone, or equivalent device
  • Be able to complete a minimum of a 40-hour flexible workweek schedule
  • Be able to read and comprehend position-specific documents and correspondence


Physical Qualifications

  • Be able to lift five pounds or greater
  • Be able to sit 90% of the workday at times
  • Be able to bend at the waist and be mobile when needed
  • Be able to concentrate and use critical thinking


Please note that this job description is not intended to be a comprehensive listing of all activities, duties, or responsibilities required of the employee in this position. Duties, responsibilities, and activities are subject to change at any time, with or without notice.

Zwicker & Associates, P.C. is committed to providing equal employment opportunities to qualified individuals with disabilities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position. If you wish to seek an accommodation regarding the requirements of this position, please inform Human Resources Management. This is a full-time, full-benefit position. The benefit package includes medical, vision, and dental insurance; long-term disability insurance; life insurance; compensated time off; paid holidays; and a 401 (k) with a match. No phone calls, no agencies; EOE, drug-free workplace.

Please review our Applicant Privacy Notice:

http://www.zwickerpc.com/job-applicant-privacy-notice/


Each posted position will be active for at least five (5) business days, during which time all qualified and eligible employees can apply.


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