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Debt Jobs in Florida (NOW HIRING)

ValorVIP

Debt Recovery Representatives

Tampa, FL · On-site +1

$15 - $19.50/hr

We're looking for a Debt Recovery Representative who is driven, empathetic, and skilled in negotiation to join our team. In this role, you'll be responsible for contacting customers with outstanding ...

ValorVIP

Debt Recovery Representatives

Tampa, FL · On-site

$14 - $15.20/hr

We're looking for a Debt Recovery Representative who is driven, empathetic, and skilled in negotiation to join our team. In this role, you'll be responsible for contacting customers with outstanding ...

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Debt Consultant

Boca Raton, FL · On-site

$100K - $200K/yr

As credit card and personal loan debt continues to soar, so does our business. We need 2 more motivated CLOSERS ONLY!!, as we continue to expand. Our business is unique as it is not impacted by a ...

MCI Careers

Debt Recovery Manager

Tampa, FL · On-site

As a Debt Recovery Manager, you will develop and implement effective collection strategies, monitor key performance indicators, and identify opportunities to improve productivity, efficiency, and ...

MCI Careers

Debt Recovery Manager

Tampa, FL · On-site

As a Debt Recovery Manager, you will develop and implement effective collection strategies, monitor key performance indicators, and identify opportunities to improve productivity, efficiency, and ...

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All JobsDebt JobsDebt Jobs in Florida

Debt information

See Florida salary details

$10

$14

$22

How much do debt jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for debt in Florida is $14.90, according to ZipRecruiter salary data. Most workers in this role earn between $11.25 and $19.23 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 Florida? The most popular types of Debt jobs in Florida are:
Debt jobs near you
Infographic showing various Debt job openings in Florida as of August 2026, with employment types broken down into 89% Full Time, 10% Part Time, and 1% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $30,990 per year, or $14.9 per hour.

Small Balance Debt Collector

Milliken & Michaels Inc.

Vero Beach, FL • On-site

$14 - $18.25/hr

Full-time

Dental, Retirement

Re-posted 7 days ago

Job description

A Small Balance Debt Collector is responsible for contacting individuals or businesses with outstanding debts in order to facilitate the repayment of those debts. Here's a basic job description for a Small Balance Debt Collector:

Job Title: Small Balance Debt Collector

Job Summary: As a Small Balance Debt Collector, your primary responsibility is to contact individuals or businesses with small outstanding debts and work towards collecting payments. You will employ effective communication and negotiation skills to establish repayment plans, resolve disputes, and ensure timely debt recovery.

Key Responsibilities:

  1. Contacting Debtors:
    • Initiate contact with individuals or businesses with small balance debts.
    • Communicate clearly and professionally to inform debtors of their outstanding
    •  
    • balances.
  1. Negotiation:
    • Negotiate repayment plans with debtors based on their financial situations.
    • Provide information about payment options and terms to facilitate debt resolution.
  1. Record Keeping:
    • Maintain accurate and up-to-date records of all communication and payment agreements.
    • Document relevant debtor information for future reference.
  1. Compliance:
    • Ensure compliance with relevant debt collection laws and regulations.
    • Follow ethical practices in debt collection activities.
  1. Customer Service:
    • Address debtor inquiries and concerns in a courteous and respectful manner.
    • Provide assistance and information to help debtors understand their obligations.
  1. Reporting:
    • Prepare regular reports on debt collection activities and progress.
    • Update management on the status of outstanding debts and potential issues.

Requirements:

  • High school diploma or equivalent (some positions may require additional education or certification).
  • Previous experience in debt collection or a related field is preferred.
  • Strong communication and negotiation skills.
  • Knowledge of debt collection laws and regulations.
  • Excellent organizational and time management abilities.
  • Ability to work independently and as part of a team.

Note: This is a general job description, and specific requirements may vary depending on the employer and the nature of the debts being collected. Additionally, adherence to ethical practices and legal regulations is crucial in the debt collection process.

Company Description

At Milliken & Michaels, our mission is to provide exceptional and ethical commercial debt collection services tailored to meet the unique needs of our clients. We are committed to fostering long-term partnerships by delivering results with integrity, professionalism, and respect. Our dedicated team strives to recover outstanding debts efficiently, maintaining the highest standards of compliance and customer satisfaction. Through transparent communication and innovative solutions, we aim to be the trusted partner in facilitating financial success for businesses while upholding the highest ethical standards in the debt collection industry.