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Late Stage Collections Jobs (NOW HIRING)

Collabera

Collections

Greensboro, NC

$19/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

Collabera

Collections

Kennesaw, GA

$15/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

Collabera

Collections

Greensboro, NC

$19/hr

The primary responsibilities for this position include resolving late stage delinquencies on home loans through both inbound and outbound collections calls. Collectors work with customers to help ...

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Late Stage Collections information

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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.
60-day Collections Representative

60-day Collections Representative

The Hankey Group

Dallas, TX • On-site

$19.50/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 days ago

Job description

WESTLAKE WARRIOR | Mid to Late-Stage Collections
Dallas, TX | On-site

Why Westlake?
  •  Base Pay:
    •  $19.50 per hour plus bonus potential of up to $4,800 monthly based on individual and team performance.
  •  Tiered Retention Bonus:
    •  Receive $500 upon completion of 3 months from the start date.
    •  An additional $500 upon completion of 6 months from the start date.
  • *Incentive:
    • If the department exceeds its goal, eligible agents in the bonus range will receive a "kicker" ranging from $100.00 to $750.00, based on goal achievement.
    • * All agent incentive opportunities may vary monthly, and are not guaranteed, and are subject to change.

 

What You’ll Do:

The 60-Day Collector plays a key role in helping Westlake Financial reduce delinquencies and protect our portfolio. You’ll work with customers whose accounts are 31–60 days past due, using communication, problem-solving, and persistence to find workable solutions and prevent loan losses.

  • Negotiate with customers to develop payment plans that fit their individual situations.

  • Meet and exceed daily and monthly goals while maintaining quality and compliance standards.

  • Make outbound calls that lead to successful payments or timely arrangements to resolve delinquencies.

  • Collaborate with teammates and contribute to the department’s overall success.

  • Manage a high volume of calls efficiently and professionally in a fast-paced environment.

  • Use skip-tracing tools to locate customers or collateral when needed.

  • Work closely with repossession agents to secure collateral when necessary.

  • Reduce delinquency within your assigned queue and contribute to department-wide goals.

  • Follow company policies and quality standards to ensure accuracy, compliance, and excellent customer experiences.

What We’re Looking For:

  • Type at least 35 WPM with strong computer and data-entry skills.

  • Excellent communication and negotiation abilities with professional phone etiquette.

  • Flexible schedule – willing to work overtime and weekends when needed.

  • Able to multitask and stay organized in a fast-paced environment.

  • Understanding of collection laws, including the Fair Debt Collection Practices Act (FDCPA).

  • Proficient in Microsoft Excel and Outlook; comfortable navigating web-based applications.

  • Team-oriented with a positive, dependable attitude.

  • 2+ years of experience in a collections environment preferred.

  • Auto collections experience and knowledge of repossession or skip tracing strongly preferred.

  • High school diploma or equivalent required.

FULL TIME BENEFITS

  • Medical, Dental, and Vision benefits 
  • Life Insurance and Long-term disability plans 
  • Flexible Spending Account 
  • 401K matching 
  • Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching 
  • Wellness Programs 
  • Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only) 
  • Career Path Opportunities 
  • Discounts on Parks, Museums, Movie Tickets, and Attractions 
  • Employee Loan Assistance  
  • Annual Flu Shot
  • Paid Vacations Days 
  • Paid Sick days 
  • Paid holidays 
  • HGym (available in our Los Angeles, CA & Dallas,TX office) 
  • Rental Car Discounts, Dell Member Purchase Program 
  • UKG Wallet 

ABOUT US

Westlake Financial is the largest privately held auto finance company in the United States with demonstrated growth year over year. We continue to expand our teams and diversify our business model. This leads to cementing us as a leader in the automotive lending industry.  

Westlake continues to grow its market share within the Auto Industry with assets in excess of 22B.  We have business relationships in all 50 states, including Puerto Rico.  We are looking to acquire talented individuals as we expand our market share.  Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America. 

ACKNOWLEDGMENTS

We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services, and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.

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