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Overnight Debt Collection Agency Jobs (NOW HIRING)

Manages collections reporting to include reports for AR review calls, daily stats, DQ Bad Debt and ... Collection letters -create all demand letters maintain process. * Work with Bankruptcy counsel to ...

About the Organization McCarthy, Burgess and Wolff (MB&W) is one of the largest collection agencies ... Description Debt Collection agents earn $15/hour plus commission! GENEROUS COMMISSION STRUCTURE ...

Be Seen First

Peter Roberts and Associates, Inc. in Milford, Ma. is one of New England's most trusted and respected collection agencies. The firm has provided professional consumer debt collection services ...

New

Be Seen First

Peter Roberts and Associates, Inc. in Milford, Ma. is one of New England's most trusted and respected collection agencies. The firm has provided professional consumer debt collection services ...

New

About the Organization McCarthy, Burgess and Wolff (MB&W) is one of the largest collection agencies ... Description Debt Collection agents earn $15/hour plus commission! GENEROUS COMMISSION STRUCTURE ...

Job Summary We are seeking an experienced Attorney to join our team and represent consumers in actions brought by original creditors, debt buyers, and collection agencies involving credit card ...

Associate Attorney

Tustin, CA · On-site

$100K - $125K/yr

Health insurance Job Summary We are seeking an experienced Attorney to join our team and represent consumers in actions brought by original creditors, debt buyers, and collection agencies involving ...

Associate Attorney

Tustin, CA · On-site

$100K - $125K/yr

Job Summary We are seeking an experienced Attorney to join our team and represent consumers in actions brought by original creditors, debt buyers, and collection agencies involving credit card ...

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Overnight Debt Collection Agency information

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$30

How much do overnight debt collection agency jobs pay per hour?

As of Sep 14, 2026, the average hourly pay for overnight debt collection agency 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 is an overnight debt collection agency?

Overnight debt collection agencies are specialized companies that work outside of typical business hours, often during the night, to recover outstanding debts on behalf of creditors. Their services may include contacting debtors, negotiating repayment plans, and using various communication methods to collect overdue payments. These agencies are particularly useful for reaching individuals who may be unavailable during standard work hours. By operating overnight, they can increase the chances of successful contact and recovery, especially for clients in different time zones or with unconventional schedules.

What are the key skills and qualifications needed to thrive as an overnight debt collection agent?

To thrive as an Overnight Debt Collection Agent, you need a strong understanding of debt collection laws, negotiation techniques, and basic financial principles, often supported by a high school diploma or equivalent. Familiarity with customer relationship management (CRM) software, automated dialing systems, and payment processing tools is typically required. Excellent communication, resilience, and problem-solving skills help agents handle challenging conversations and maintain professionalism under pressure. These skills are crucial for efficiently recovering debts while upholding legal standards and preserving client relationships.

What are some typical challenges faced by an overnight debt collection agent, and how can they be managed?

Overnight debt collection agents often face challenges such as contacting debtors across different time zones, managing high call volumes, and maintaining motivation during non-standard hours. Additionally, working overnight can impact work-life balance and require strong self-discipline. Successful agents use clear communication, follow compliance protocols, and utilize support from their team and supervisors to handle these demands effectively. Team collaboration and regular check-ins help maintain morale and share strategies for overcoming common obstacles.

What is the difference between Overnight Debt Collection Agency vs Debt Collector?

AspectOvernight Debt Collection AgencyDebt Collector
CredentialsOften requires collection licenses, familiarity with debt lawsTypically no formal certification, but may need licensing depending on state
Work EnvironmentOperates mainly during overnight hours, often in call centers or remoteWorks during daytime or evening hours, in offices or field visits
Employer & IndustrySpecializes in debt recovery, often contracted by lenders or financial institutionsEmployers include collection agencies, banks, or credit companies

Overnight Debt Collection Agencies focus on recovering debts during overnight hours, often utilizing call centers and specialized legal knowledge. Debt Collectors work during regular hours, directly contacting debtors in various environments. Both roles require understanding debt laws, but the agency's overnight focus distinguishes their operational hours and setup.

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Cities with the most Overnight Debt Collection Agency job openings:

What are the most commonly searched types of Debt Collection Agency jobs?

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What are popular job titles related to Overnight Debt Collection Agency jobs?

For Overnight Debt Collection Agency jobs, the most frequently searched job titles are:

Infographic showing various Overnight Debt Collection Agency job openings in the United States as of September 2026, with employment types broken down into 86% Full Time, 7% Part Time, and 7% Contract. Highlights an 100% In-person job distribution, with an average salary of $41,470 per year, or $19.9 per hour.

Sr Debt Counselor / Collection Representative Hybrid 2460 010226

Cheektowaga, NY • On-site

$23 - $26/hr

Full-time

Re-posted 7 days ago


Job description

**Please note, this is a hybrid work opportunity handling Student Loan collections.  You must be able to work onsite in our Buffalo, New York Office three (3) days per week.   

For 40 years, ConServe has been a leading provider of accounts receivable management and collection services specializing in customized solutions for colleges and universities, guaranty agencies, private lenders, credit unions and government contracts.  

We are based on the simple principle that helping people fulfill their obligations, in ways that preserve their dignity, enhances self-confidence and empowers them with a sense of control. At ConServe, we call it Fostering Financial Freedom®. We take great pride in being a team of the right people, doing the right thing, at the right time, the right way.  

Why join us?   

· Performance-based monthly bonus opportunity   

· Award-winning benefits packages

· Flexible schedules   

· Growth opportunities

· Repeatedly named one of the Best Places to Work in Collections

· Two-time recipient of the Better Business Bureau’s Torch Award for Ethics

 O*NET: 43-3011.00, 13-2071.00, 43-4051.00, 41-3031.02 


Position Summary:  

The Sr. Debt Counselor role manages and collects delinquent business and consumer accounts. Our consultative approach helps identify the most suitable way to resolve a balance in the best interest of all parties. Due to the competitive nature of these contracts, it is imperative ConServe locates experienced, professional individuals who are customer-focused, enthusiastic, detail-oriented and able to work in a fast-paced environment or remote work environment.

 

Essential Duties & Responsibilities:

  • The Sr. Debt Counselor provides financial, clerical and administrative services to ensure efficient, timely and accurate repayment of accounts within their scope of work
  • The Sr. Debt Counselor will address collection/accounts receivable issues and assist with special projects based on departmental goals and objectives.
  • Ensure effective decisions are made in the best interest of the client requirements and expectations.
  • Demonstrates the right judgment that is within authority and scope of work
  • Capable of reviewing Secretary of State, P & Ls and various financial documents to ensure resolution is supportable
  • Resolve complex issues
  • Demonstrate a positive working relationship with departments to accomplish the goals and objectives of the client and ConServe.
  • Skip-Tracing – to assist in locating & contacting consumers and businesses
  • Meet daily, weekly and monthly goals as set by management at ConServe.
  • Daily Productivity – Work a specified number of accounts/cases daily and maintain an acceptable level of daily metrics as assigned to the position by Management. 
  • Achieve a high level of resolution with a compliant and customer centric approach
  • Record Maintenance – proper management & updating of system to maximize contacts
  • Adherence to ConServe’s Blueprint Quality Management System, Code of Conduct, and Compliance Program


Non-Essential Duties & Responsibilities:

  • Other duties as assigned 


Education Requirement: 

  • High School Diploma or GED 
  • Associates or Bachelor’s Degree preferred


Skills/ Requirements:

  • One (1) year of ConServe collections experience or five (5) years of relevant 3rd party debt collection experience in Higher Education, Financial Services or Government debt collection.
  • Consistent, proven twelve-month performance history.
    • Documented successful debt collection performance records 
  • The ability to work onsite three days per week and can work remotely the remaining two days.
  • Current or recent student loan debt collection experience preferred.
  • Business to Business asset recovery, sales, marketing or other B2B related skills preferred
  • Strong organizational and time management skills.
  • Attention to detail.
  • Ability to act independently to resolve problems.
  • The ability to work the required scheduled shift.  
  • Fluent in conversational English and ability to proficiently read and write English
  • Strong verbal communication skills with the ability to listen, persuade, negotiate and obtain resolution 
  • Intermediate Computer skills to document calls and navigate software packages, databases and the internet. 
  • Ability to work in a positive, collaborative manner with coworkers
  • Ability and history of maintaining confidentiality and high level of trustworthiness. 
  • Ability and history of interacting well with team members and customers in a professional. manner while maintaining a safe work environment. 
  • Ability to obtain and maintain Government Security Clearance.
  • Ability to obtain and maintain State Collections Licensure
  • U.S. Citizenship or lawful Permanent Resident alien with three or more years as a permanent resident in the United States.
  • No conflicts of interest with ConServe or our Clients. 

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job except for periodic breaks pursuant to applicable law.

  • Occasionally lift and/or move up to 25 pounds. 
  • Ability to sit or remain sedentary for your entire work shift (8-, 9-, or 10-hour shift)
  • Ability to talk and listen on a phone for your entire work shift (8-, 9-, or 10-hour shift)
  • Ability to type on a computer for your entire work shift (8-, 9-, or 10-hour shift)

Reasonable accommodations may be made to the extent required under applicable law to enable individuals with disabilities to perform the essential functions of this position.

MISSION STATEMENT:


ConServe is dedicated to satisfying the needs of our Clients in a manner consistent with improving the human condition, and that will foster the development of long term mutually beneficial relationships with our Clients, our Employees, our Suppliers and Business Partners and the Community as a whole.

Disclaimer: The above job description is not a contractual or binding document; it is provided as a guide to the types of duties required to be undertaken.  Duties may vary from time to time and this description is subject to review.  Modifications will be made as needed to support changes in the business climate and requirements.   

Continental Service Group, LLC, d/b/a ConServe endeavors to make www.conserve-arm.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact our Recruiting Department at: 585-421-1000, extension: 7 or by emailing: jobs@conserve-arm.com. 

Qualified applicants will receive consideration for employment regardless of age, race, color, religion, national origin, sex, sexual orientation, gender, gender identity/expression, genetic disposition, genetic markers/carrier status, disability, creed, veteran status, military status, status as a victim of domestic violence, marital status, familial status, pregnancy, childbirth and related medical conditions, and disability, conviction (limited) or other legally protected status.