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Access Dubuque

Debt Counselor

Dubuque, IA · On-site

Debt Counselor DuTrac Community Credit Union 1 Positions ID: DC-5 Posted On 05/26/2026 Job Overview Our mission at DuTrac is to be a trusted partner with our members to make a difference in their ...

Energy Service Experts

Debt Collector

Houston, TX · On-site

$19 - $21/hr

Debt Collector Spruce Power THE ROLE: Debt Collector Spruce Power, a leading provider of solar energy to over 53,000 customers, is the nation's #1 independent residential solar servicing company, and ...

Spruce Power

Debt Collector

Houston, TX · On-site

Debt Collector Spruce Power THE ROLE: Debt Collector Spruce Power, a leading provider of solar energy to over 53,000 customers, is the nation's #1 independent residential solar servicing company, and ...

Blitt and Gaines

Debt Collector

Vernon Hills, IL · On-site

$18 - $25/hr

Solid understanding of federal and state debt collection laws, including FDCPA Knowledge/Skills/Abilities: * Excellent verbal and written communication skills * Strong negotiation and problem-solving ...

International Staff Consulting

$14.75 - $19.25/hr

Commercial Debt Collector Are you an adept negotiator with a knack for achieving results in a dynamic, target-driven environment? We are currently seeking a commercial debt collector to become an ...

Credit Adjustments

Debt Collector (Not Remote)

Defiance, OH · On-site

$14.75 - $19/hr

Debt Collector Location(s): Defiance, OH; Reports to: Collections Supervisor FLSA Type: Non-Exempt POSITION SCOPE : This person will be placed in a challenging job in a fast-paced, performance ...

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Debt information

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$13

$19

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How much do debt jobs pay per hour?

As of Jun 5, 2026, the average hourly pay for debt in the United States is $19.94, according to ZipRecruiter salary data. Most workers in this role earn between $15.00 and $25.72 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 are debt collectors?

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.

More about Debt jobs
What cities are hiring for Debt jobs? Cities with the most Debt job openings:
What are the most commonly searched types of Debt jobs? The most popular types of Debt jobs are:
What states have the most Debt jobs? States with the most job openings for Debt jobs include:
Debt jobs near you

Debt Counselor

Access Dubuque

Dubuque, IA • On-site

Full-time, Part-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Debt Counselor

DuTrac Community Credit Union

1 Positions

ID: DC-5

Posted On 05/26/2026

Job Overview

Our mission at DuTrac is to be a trusted partner with our members to make a difference in their lives by working directly with each person to help them achieve their financial goals. Our staff provides excellent service to our members and builds long term relationships to make sure our members succeed in whatever those goals may be. Our Debt Counselors at DuTrac have the power to be the difference maker!

The primary role of a Debt Counselor is to counsel members and assist them in resolving delinquent payment situations; to preserve the credit union's assets by controlling delinquent loan accounts, collecting delinquent loan payments, initiating action necessary to collect on delinquent accounts and/or recovering collateral.

Essential Functions & Responsibilities:

  • Contacts and counsels by phone and mail members who are delinquent in their payments; obtains satisfactory arrangements and determines financial ability to repay; takes appropriate action to bring current, including recommending extension agreements.
  • Analyzes financial situation of delinquent borrowers to determine if further action is necessary to protect the credit union against further losses; when other arrangements to bring the loan current are unsuccessful, takes further actions, including the proper and legal repossession of collateral, maintenance, disposition of credit union collateral, and recommendations for charging off debt.
  • Maintains accurate files and reports on all collections activity; utilizes on-line system to maintain current data.
  • Coordinates the processing and filing of bankruptcy claims, the collection of charge off accounts, and any legal action on delinquent accounts.
  • Communicates with other financial institutions, repossessors, attorneys, and the courts to solve problems and collect delinquent loans. Testifies at legal proceedings as required.Has knowledge of and follows credit union legal compliance and policies.
  • Resolves credit reporting disputes.

Ideal candidates will have the following experience:

  • One to three years of similar experience.
  • Knowledge of lending process is helpful.
  • Very organized and strong record keeping skills.
  • Outstanding written and verbal communication skills.DuTrac Community is proud to be an Equal Opportunity Employer.

Integrity, Community, Engagement and Education are the qualities you will find in DuTrac's working environment. You will appreciate working in DuTrac's family- friendly culture that provides excellent opportunities for both personal and career growth while providing a competitive salary and benefits package. Hours are Monday-Friday, 8:30 AM -5:30 PM.

Find out more about DuTrac and all of our open positions at www.dutrac.org/careers and apply today!!

DuTrac is proud to be an Equal Opportunity Employer.

Primary Contact

225015

Human Resources

,

563-585-8431

Phone

Phone

Phone

Fax

hr@dutrac.org

Email

True

False

True

Job Details

Categories

Accounting/Auditing

Banking/Mortgage/Financial Services

Customer Service

Sales/Service

Location

Dubuque, IA

Shift

First Shift

Job Type

Employee

Full/Part

Full Time

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Retirement Plan

PTO (Paid Time Off)

Paid Holidays

Tuition Reimbursement

Qualifications

Education

High School/GED

Experience

2-5 Years

Company ID

988

Job REQ #

DC-5

# Positions

1

Start Date

20260526

End Date

20260801

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DuTrac Community Credit Union

About the Company

DuTrac Community Credit Union is a financial cooperative serving over 55,000 individuals and families in a 34-county area throughout the local Tri-State region of Iowa, Illinois and Wisconsin. Our Credit Union is one of the largest in the state with over 1.2 billion in assets - and consistently ranks among the safest and financially strongest in the nation.

We offer members a full line of consumer and commercial financial services ranging from savings and checking to credit cards to mortgages and more.

Our Mission: to improve the financial future of our members, communities and fellow credit unions by providing information, education, and superior service and products.

Our Vision: to be a trusted advisor and partner which excels in satisfying the evolving financial needs of members and the communities we serve.

Please visit our web site at www.dutrac.org to learn more about our financial cooperative.

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