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Entry Level Debt Specialist Jobs (NOW HIRING)

Dow Credit Union

Member Solutions Specialist

Midland, MI · On-site

$23/hr

This Member Solutions Specialist position starts at the competitive entry-level wage of $23.00/hour ... Knowledge about debt collections procedures, regulations, and acceptable practices * Knowledge ...

Dow Credit Union

Member Solutions Specialist

Midland, MI · On-site

$23/hr

This Member Solutions Specialist position starts at the competitive entry-level wage of $23.00/hour ... Knowledge about debt collections procedures, regulations, and acceptable practices * Knowledge ...

CreditAssociates

Revenue Specialist

Plano, TX · On-site

$79K - $79K/yr

Our entry-level positions provide a wide range of training that will prepare you for multiple ... We are a premier debt resolution company which provides a fresh financial start for individuals ...

CreditAssociates

Revenue Specialist

Plano, TX

$79K - $79K/yr

Our entry-level positions provide a wide range of training that will prepare you for multiple ... We are a premier debt resolution company which provides a fresh financial start for individuals ...

U.S. Army

Entry Level Combat Engineer

Upper Darby, PA · On-site

$24K - $30K/yr

(Entry Level) Communications Specialist The U.S. Army is at the forefront of communications ... Student Loan Repayment Program ($65,000 of your current/ outstanding loan debt.) Additional ...

U.S. Army

Entry Level Combat Engineer

Tinton Falls, NJ · On-site

$24K - $30K/yr

(Entry Level) Communications Specialist The U.S. Army is at the forefront of communications ... Student Loan Repayment Program ($65,000 of your current/ outstanding loan debt.) Additional ...

U.S. Army

Entry Level Combat Engineer

East Brunswick, NJ · On-site

$24K - $30K/yr

(Entry Level) Communications Specialist The U.S. Army is at the forefront of communications ... Student Loan Repayment Program ($65,000 of your current/ outstanding loan debt.) Additional ...

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All JobsDebt Specialist JobsEntry Level Debt Specialist Jobs

Entry Level Debt Specialist information

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$11

$19

$29

How much do entry level debt specialist jobs pay per hour?

As of Aug 3, 2026, the average hourly pay for entry level debt specialist in the United States is $19.77, according to ZipRecruiter salary data. Most workers in this role earn between $16.83 and $21.88 per hour, depending on experience, location, and employer.

What is the difference between Entry Level Debt Specialist vs Debt Collector?

AspectEntry Level Debt SpecialistDebt Collector
Required CredentialsHigh school diploma; some roles may prefer relevant certificationsHigh school diploma; often no formal certification required
Work EnvironmentOffice setting, customer service, account managementFieldwork, phone calls, often in call centers or on-site
Employer & Industry UsageBanks, financial institutions, debt resolution companiesCollection agencies, debt recovery firms
Common Search & Comparison IntentUnderstanding entry-level roles in debt managementDebt collection practices and job requirements

Entry Level Debt Specialists focus on managing accounts, negotiating payment plans, and providing customer service in a professional setting. Debt Collectors primarily focus on recovering unpaid debts through calls or field visits. While both roles involve debt-related tasks, the Specialist role emphasizes customer interaction and account management, whereas the Collector role centers on debt recovery efforts.

What are the most commonly searched types of Debt Specialist jobs? The most popular types of Debt Specialist jobs are:
What states have the most Entry Level Debt Specialist jobs? States with the most job openings for Entry Level Debt Specialist jobs include:
What job categories do people searching Entry Level Debt Specialist jobs look for? The top searched job categories for Entry Level Debt Specialist jobs are:
Entry Level Debt Specialist jobs near you
Infographic showing various Entry Level Debt Specialist job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 8% Part Time, and 1% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $41,119 per year, or $19.8 per hour.

Experienced Debt Collector | Senior Collections Specialist | Call Cent

LIVE OAK FINANCIAL INC

Albany, GA • On-site

$17 - $23/hr

Full-time

Re-posted 14 days ago

Job description

Experienced Debt Collector | Senior Collections Specialist | Call Center Collections (Remote)

Live Oak Financial, Inc.
Full-Time | Remote / Hybrid | Consumer & Commercial Collections | Financial Services
Job Description
Live Oak Financial, Inc. is actively hiring Experienced Debt Collectors / Senior Collections Specialists to support our expanding national collections platform. This role is designed for seasoned collectors with a proven track record of recovery in consumer and/or commercial collections who can operate independently in a compliance-driven, KPI-based environment.
This is not an entry-level position. Prior collections experience is required.
Core Responsibilities (ATS-Optimized)

  • Handle high-volume outbound and inbound collection calls


  • Recover past-due balances through payment negotiation, settlements, and payment plans


  • Achieve performance targets for right-party contact, liquidation, and new money


  • Work assigned account inventories efficiently and strategically

  • Document all activity accurately within collections software / CRM systems


  • Maintain strict compliance with FDCPA, Regulation F, TCPA, and FCRA


  • Follow call scripts, disclosures, and quality assurance standards

  • Escalate disputes, fraud claims, and complaints per compliance procedure

  • Accept payments through approved payment processing tools

  • Maintain professional, respectful, and compliant communication at all times
Required Qualifications (High-Match Keywords)

  • 2+ years of experience     as a debt collector, collections specialist, or collection agent


  • Experience in consumer collections, commercial collections, or call center collections


  • Strong working knowledge of FDCPA, Reg F, TCPA, and call compliance


  • Proven success in dialer-based, high-volume collections environments


  • Strong negotiation, objection-handling, and payment-closing skills

  • Ability to manage accounts independently and consistently hit KPIs

  • Experience working in remote collections or call center environments


  • Familiarity with collections software, dialers, and CRM platforms

Preferred Experience

  • Financial services, utility, medical, telecom, or BPO collections

  • Skip tracing and account research

  • Credit reporting and dispute handling

  • Settlement authority and payment plan structuring
Compensation & Benefits

  • Competitive hourly base pay


  • Uncapped commission / performance incentives


  • Paid compliance and systems training

  • Stable, full-time position with consistent account flow

  • Advancement opportunities into Senior Collector, Lead, QA, or Supervisor roles
Work Environment

  • Remote or hybrid collections role

  • Structured schedules and defined performance metrics

  • Compliance-first culture with QA and leadership support

  • Executive-led organization with modern systems
Why Live Oak Financial

  • Growing national financial services organization

  • Strong compliance, QA, and operational support

  • Clear expectations and merit-based advancement

  • Long-term stability and scalable platform
Equal Opportunity Employer
Live Oak Financial, Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, disability, veteran status, or any other protected classification.