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Medical Debt Collector Jobs (NOW HIRING)

Charlie Health

Debt Collector Associate

Nashville, TN · Hybrid

$15.50 - $20/hr

Knowledge of medical billing practices, office policies and procedures. * Understanding of "No Surprises Collections Act" * Knowledge of all confidentially requirements regarding patients and strict ...

Royal Furniture Company

Consumer Debt Agent

Memphis, TN · On-site

Royal Furniture is seeking an experienced consumer debt collector to join our team at our corporate ... A comprehensive benefit package, including medical, dental, vision, life insurance, paid vacation ...

Accounts Receivable Management Inc

Collector

Miramar, FL · On-site

$31K - $37K/yr (+ commission)

Handling a large volume of incoming and outgoing calls in efforts to assists patients on resolving their medical debt. Company Description We are a medical billing and collection agency. Handling a ...

Accounts Receivable Management Inc

Collector

Miramar, FL · On-site

$31K - $37K/yr (+ commission)

Handling a large volume of incoming and outgoing calls in efforts to assists patients on resolving their medical debt. Company Description We are a medical billing and collection agency. Handling a ...

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 ... Health Benefits: Full-time employees are eligible for comprehensive medical, dental, and vision ...

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 ... Health Benefits: Full-time employees are eligible for comprehensive medical, dental, and vision ...

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Medical Debt Collector information

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How much do medical debt collector jobs pay per hour?

As of Sep 2, 2026, the average hourly pay for medical debt collector in the United States is $20.99, according to ZipRecruiter salary data. Most workers in this role earn between $18.27 and $24.04 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a medical debt collector?

To thrive as a Medical Debt Collector, you need strong knowledge of medical billing, insurance processes, and collections laws, often supported by a high school diploma or equivalent. Familiarity with collections management software, electronic health records (EHRs), and payment processing systems is typically required. Excellent communication, negotiation, and empathy are vital soft skills to effectively resolve patient accounts while maintaining professionalism. These abilities are crucial for ensuring timely debt recovery while preserving patient relationships and adhering to regulatory standards.

What are the most common challenges faced by medical debt collectors, and how can they be overcome?

Medical Debt Collectors often encounter challenges such as communicating with patients who may be under financial or emotional stress, navigating complex healthcare billing systems, and ensuring compliance with regulations like HIPAA and the Fair Debt Collection Practices Act. Success in this role often depends on strong interpersonal skills, empathy, and the ability to remain calm and professional during difficult conversations. Many collectors find it helpful to stay organized, continuously update their knowledge on changing laws, and actively collaborate with healthcare providers to clarify billing information.

What is the difference between Medical Debt Collector vs Medical Billing Specialist?

AspectMedical Debt CollectorMedical Billing Specialist
CredentialsHigh school diploma; some roles may require certificationHigh school diploma; certification preferred
Work EnvironmentCollections agencies, hospitals, healthcare providersHospitals, clinics, healthcare offices
Employer & IndustryHealthcare providers, collection agenciesHealthcare providers, billing companies
Primary FocusRecovering unpaid medical debtsProcessing and managing medical bills

Medical Debt Collectors focus on recovering overdue payments from patients, often working in collections agencies or healthcare settings. Medical Billing Specialists handle the processing of medical claims and billing procedures within healthcare facilities. While both roles require knowledge of healthcare billing, their primary functions differ: one emphasizes debt recovery, the other emphasizes billing management.

How do medical debt collectors make money?

Medical debt collectors earn money by collecting unpaid medical bills on behalf of healthcare providers or debt owners. They typically receive a percentage of the amount recovered, known as a commission, or a flat fee for each successful collection. Effective communication skills and knowledge of debt collection laws are important for success in this role.

How to become a medical debt collector?

To become a medical debt collector, typically a high school diploma or equivalent is required, and some employers prefer candidates with experience in collections or customer service. Training is often provided on specific laws and regulations, such as the Fair Debt Collection Practices Act, and strong communication and negotiation skills are essential. Certification is not mandatory but can enhance job prospects and credibility in the field.
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What states have the most Medical Debt Collector jobs?

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What job categories do people searching Medical Debt Collector jobs look for?

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Medical Debt Collector jobs near you
Infographic showing various Medical Debt Collector job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 15% Part Time, and 6% Contract. Highlights an 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $43,657 per year, or $21 per hour.

Debt Collector Associate

Charlie Health

Nashville, TN • Hybrid

$15.50 - $20/hr

Full-time

Re-posted 10 days ago

Charlie Health rating

8.5

Company rating: 8.5 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

Job description

 Why Charlie Health?

Millions of people across the country are navigating mental health conditions, substance use disorders, and eating disorders, but too often, they're met with barriers to care. From limited local options and long wait times to treatment that lacks personalization, behavioral healthcare can leave people feeling unseen and unsupported.

Charlie Health exists to change that. Our mission is to connect the world to life-saving behavioral health treatment. We deliver personalized, virtual care rooted in connection—between clients and clinicians, care teams, loved ones, and the communities that support them. By focusing on people with complex needs, we're expanding access to meaningful care and driving better outcomes from the comfort of home.

As a rapidly growing organization, we're reaching more communities every day and building a team that's redefining what behavioral health treatment can look like. If you're ready to use your skills to drive lasting change and help more people access the care they deserve, we'd love to meet you.

About the Role

At Charlie Health, we take great care in estimating out-of-pocket costs associated with the care we deliver and one of our top priorities is to minimize costs to our patients and their families. This role is an important piece of this process as this person will be the direct line of communication regarding outstanding balances for care received. It's important that people in this role have great attention to financial account details and care for our patients as much as we do.

Our team is comprised of passionate, forward-thinking professionals eager to take on the challenge of the mental health crisis and play a formative role in providing life-saving solutions. We are looking for a candidate who is inspired by our mission and excited by the opportunity to build a business that will impact millions of lives in a profound way.

Responsibilities
  • Manage patient balances ensuing account is clean and ready for self-pay collections post all insurance processes are completed
  • Work closely with admissions teams to understand patient responsibility and expectations of collections are in line with financial agreements
  • Initiate collection calls to patients or their families to collect outstanding balances
  • Handle large volume of inbound calls regarding outstanding balances and invoices
  • Arranging payments, or setting up payment plans, of outstanding balances
  • Provide daily/weekly updates to leadership on collections status
  • Manage large volumes of patient accounts each week
  • Processing invoice and credit requests in accordance with collections guidelines
  • Timely response to inquiries received from other departments associated with patients care
  • Navigate and gather data from various internal sources to ensure proper balances collected
  • Works closely with all departments in the revenue cycle to ensure balances are correct and ready for collections to take place
  • Investigate escalated insurance billing inquiries and inaccuracies and take appropriate action to resolve the account
Requirements
  • Able to work a hybrid schedule of 4 days/week in our Nashville office and located within 75 minutes' commuting distance of the office
  • Knowledge of medical billing practices, office policies and procedures. 
  • Understanding of "No Surprises Collections Act"
  • Knowledge of all confidentially requirements regarding patients and strict maintenance of proper confidentiality on all such information
  • Mathematics skills 
  • Excellent written and verbal communication skills 
  • Organizational skills 
  • Strict attention to details 
  • 2+ years related work experience in health care administrative, financial, insurance, customer services, claims, billing, call center, or management
Benefits

Please note that this role is not available to candidates in Alaska, Maine, Washington DC, New Jersey, California, New York, Massachusetts, Connecticut, Colorado, Washington State, Oregon, or Minnesota. 

Charlie Health is pleased to offer comprehensive benefits to all full-time, exempt employees. Read more about our benefits here.#LI-HYBRID

Our Values
  • Connection: Care deeply & inspire hope.
  • Congruence: Stay curious & heed the evidence.
  • Commitment: Act with urgency & don't give up.

Please do not call our public clinical admissions line in regard to this or any other job posting.

Please be cautious of potential recruitment fraud. If you are interested in exploring opportunities at Charlie Health, please go directly to our Careers Page: https://www.charliehealth.com/careers/current-openings. Charlie Health will never ask you to pay a fee or download software as part of the interview process with our company. In addition, Charlie Health will not ask for your personal banking information until you have signed an offer of employment and completed onboarding paperwork that is provided by our People Operations team. All communications with Charlie Health Talent and People Operations professionals will only be sent from @charliehealth.com email addresses. Legitimate emails will never originate from gmail.com, yahoo.com, or other commercial email services.

Recruiting agencies, please do not submit unsolicited referrals for this or any open role. We have a roster of agencies with whom we partner, and we will not pay any fee associated with unsolicited referrals.

At Charlie Health, we value being an Equal Opportunity Employer. We strive to cultivate an environment where individuals can be their authentic selves. Being an Equal Opportunity Employer means every member of our team feels as though they are supported and belong. We value diverse perspectives to help us provide essential mental health and substance use disorder treatments to all young people.

Charlie Health applicants are assessed solely on their qualifications for the role, without regard to disability or need for accommodation.

By clicking "Submit application" below, you agree to Charlie Health's Privacy Policy and Terms of Service.

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