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Late Stage Collections Jobs (NOW HIRING)

Flex

Collections Risk Management Lead

Late stage collections: manage pre-charge-off intervention strategies; own the analytical framework for determining when accounts warrant accelerated action versus continued treatment; maintain ...

Flex

Collections Risk Management Lead

Concord, NC · Remote

Late stage collections: manage pre-charge-off intervention strategies; own the analytical framework for determining when accounts warrant accelerated action versus continued treatment; maintain ...

orsa credit union

vp/member solutions

Novi, MI · On-site

... late-stage collections to optimize outcomes for both members and the credit union.Serve as a strategic partner to the chief growth officer and executive leadership, providing data-driven insight on ...

Baker Roofing Company

Collections Specialist

Cary, NC · On-site

$18.75 - $25.50/hr

You will take full ownership of collections for all departments, focusing on high-stakes, late-stage accounts. Your goal is not just to collect payment, but to analyze trends, mentor administrative ...

Baker Roofing Company

Collections Specialist

Cary, NC · On-site

$18.75 - $25.50/hr

You will take full ownership of collections for all departments, focusing on high-stakes, late-stage accounts. Your goal is not just to collect payment, but to analyze trends, mentor administrative ...

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How much do late stage collections jobs pay per hour?

As of Jul 3, 2026, the average hourly pay for late stage collections in the United States is $21.46, according to ZipRecruiter salary data. Most workers in this role earn between $17.79 and $24.04 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Late Stage Collections Specialist, and why are they important?

To thrive as a Late Stage Collections Specialist, you need strong negotiation skills, a solid understanding of credit and debt recovery processes, and typically a high school diploma or equivalent. Familiarity with collections software (such as FICO Debt Manager), CRM systems, and knowledge of relevant regulations like the Fair Debt Collection Practices Act (FDCPA) are essential. Excellent communication, resilience, and problem-solving abilities help build rapport with clients and manage challenging conversations. These skills and qualities are crucial for maximizing recovery rates while maintaining compliance and positive customer relationships.

What is the difference between Late Stage Collections vs Collections Specialist?

AspectLate Stage CollectionsCollections Specialist
Required CredentialsHigh school diploma, some roles may prefer experienceHigh school diploma, some roles may require certifications
Work EnvironmentOffice setting, often high-pressureOffice environment, customer interaction
Employer & Industry UsageFinancial institutions, debt recovery firmsBanks, credit companies, healthcare providers
Common Search/ComparisonLate Stage Collections vs Collections Specialist

Late Stage Collections focuses on recovering overdue accounts nearing final resolution, often involving more aggressive tactics. Collections Specialists handle a broader range of debt recovery tasks, including early and mid-stage collections. While both roles require similar credentials and work in related environments, Late Stage Collections typically involves more advanced negotiation skills and a focus on accounts close to write-off.

What are the main challenges faced in a Late Stage Collections role and how can they be effectively managed?

Late Stage Collections professionals often encounter challenges such as communicating with customers who may be unresponsive, distressed, or unwilling to cooperate. Managing these situations requires strong negotiation skills, empathy, and persistence, while adhering to legal and company guidelines. Building rapport, using clear communication, and working closely with legal or compliance teams can help resolve accounts efficiently and maintain professionalism. Staying organized and resilient is key to success in this demanding, yet rewarding, role.

What are Late Stage Collections?

Late Stage Collections refers to the process of recovering debts that are significantly overdue, typically after initial collection efforts have failed. Professionals in this field contact individuals or businesses with long-outstanding balances, often using advanced negotiation and communication strategies to secure payment. They may work with accounts that are several months or even years past due and sometimes coordinate with legal teams or external agencies. The role requires a strong understanding of collection laws, persistence, and excellent customer service skills.
More about Late Stage Collections jobs
What cities are hiring for Late Stage Collections jobs? Cities with the most Late Stage Collections job openings:
What states have the most Late Stage Collections jobs? States with the most job openings for Late Stage Collections jobs include:
What job categories do people searching Late Stage Collections jobs look for? The top searched job categories for Late Stage Collections jobs are:
Late Stage Collections jobs near you
Infographic showing various Late Stage Collections job openings in the United States as of June 2026, with employment types broken down into 94% Full Time, 5% Part Time, and 1% Contract. Highlights an 98% Physical, and 2% Remote job distribution, with an average salary of $44,646 per year, or $21.5 per hour.
Hybrid Late Stage Collections Specialist, II

Hybrid Late Stage Collections Specialist, II

Carrington Holding Company, LLC

Orange, CA • On-site

$24.50/hr

Full-time

Medical, Retirement

Posted 11 days ago

Job description


Come join our amazing team and work a hybrid schedule!
The Late Stage Collections Specialist II will be responsible for counseling borrowers on methods for bringing their loan current and/or exploring alternative solutions. Negotiate loan workouts and/or modifications, occasionally needing to refer the most complex situations to a higher level Late Stage Collections Specialist. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates.
This role is the intermediate level of the Late Stage Collections Specialist job family and incumbents generally perform work of moderate complexity. Incumbents are able to perform both the collections activities and loan workout / modification functions performed by the Late Stage Collections Specialist job family. This level of Late Stage Collections Specialist becomes the single point of contact for borrowers. The pay for this position is $24.50 per hour + monthly incentive. A pay differential of $1.50 per hour if you are bilingual English/Spanish.
What you'll do:
  • Explains detailed mortgage loan information to borrowers including the HUD Waterfall, mortgage loan information and loan workout and modification options to borrowers.
  • Evaluates and helps determine the borrower's ability to pay, and collects appropriate financial information in a courteous and professional manner, striving for first-call resolution and in compliance with all applicable regulations.
  • Counsels borrowers on their options through education of alternative solutions.
  • Contacts borrowers, utilizing an automated dialing system (Aspect Dialer) for both inbound and outbound calls and conducts manual outbound calls.
  • Provide alternatives to borrowers who demonstrate the ability and or inability to pay, by offering loan modifications, short sales, Deed in Lieu of Foreclosure, and/or possible refinancing.
  • Negotiate reasonable payment arrangements with borrowers, assembles and provides the required documents to complete a borrower "Request for Mortgage Assistance" package in compliance with department policies and procedures.
  • Functions as the single point of contact for a borrower.
  • May need to escalate borrowers to a licensed Loss Mitigation associate for specific workout details.
  • Provide status on payments and payoff inquiries; review short sale requests; provide vendor information on Real Estate Owned (REO) properties; verify payment history and new servicer contact information; process payments.
  • Assist with loan servicing website payments, denied access, password resets.
  • Respond to escrow, loss draft and closing document inquiries.
  • Provide status on a wide variety of loan servicing functions including loss draft, short sale, Deed in Lieu of Foreclosure, modification/refinance requests, payment/credit disputes, escrow refunds, vendors for REO properties, repayment plans, and down payments on foreclosure pending mortgages.
  • Perform other duties as assigned.

What you'll need:
  • High school diploma or equivalent work experience.
  • Two (2) years of collections, loss mitigation, or single point of contact experience in a call center environment.
  • A minimum of two (2) years' experience in the Banking, Mortgage/Loan Servicing industries.
  • Strong knowledge of Fair Debt Collection Practices Act.
  • Strong knowledge of relevant and industry-specific computer software packages.
  • Strong verbal communication skills - ability to express or exchange ideas by means of the spoken word, communicating orally with others accurately, audibly, and quickly.
  • Negotiation skills that allows the Late Stage Collections Specialist to control the call and come to a proper resolution for both the company and the borrower.
  • Proficient higher level math skills needed to calculate and communicate borrower payments.
  • Ability to understand moderately complex collection issues and to collaborate and explore alternative solutions.

Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com.
What We Offer:
  • Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
  • Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
  • Customized training programs to help you advance your career.
  • Employee referral bonuses so you'll get paid to help Carrington and Vylla grow.
  • Educational Reimbursement.
  • Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

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Notice to all applicants: Carrington does not do interviews or make offers via text or chat.

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