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Third Party Collections Agent Jobs (NOW HIRING)

Above Lending

Collections Agent

Tempe, AZ · On-site

$18/hr

A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ... No placement fee will be paid to any third party unless such a request has been made by the Above ...

Above Lending

Collections Agent

Corpus Christi, TX · On-site

$18/hr

A Collections Agent will play a crucial role in managing and resolving early-stage delinquent ... No placement fee will be paid to any third party unless such a request has been made by the Above ...

Williams Rush & Associates

Collection Agent

Dallas, TX

$16 - $20/hr

Minimum 3 years of experience in third-party collections * Proven negotiation and sales skills * Strong communication and interpersonal abilities * High energy, friendly demeanor, and a professional ...

Williams Rush & Associates

Collection Agent

Dallas, TX

$16 - $20/hr

Minimum 3 years of experience in third-party collections * Proven negotiation and sales skills * Strong communication and interpersonal abilities * High energy, friendly demeanor, and a professional ...

Williams Rush & Associates

Collection Agent

Dallas, TX

$16 - $20/hr

Minimum 3 years of experience in third-party collections * Proven negotiation and sales skills * Strong communication and interpersonal abilities * High energy, friendly demeanor, and a professional ...

Collection Solutions

Collections Specialist

Hackensack, NJ · On-site

$20.25 - $27.25/hr

Collection Solutions is growing and is seeking FT-PT Experienced Collection Specialists with at least 2 years of proven experience in third-party collections. * You will be responsible for achieving ...

CFS

Collections Specialist

Uniontown, OH

$41.60K - $52K/yr

Recommend accounts for escalation, credit hold, or third party collections when appropriate * Ensure compliance with company procedures and applicable regulations * Build and maintain positive ...

CFS

Collections Specialist

Uniontown, OH

$41.60K - $52K/yr

Recommend accounts for escalation, credit hold, or third party collections when appropriate * Ensure compliance with company procedures and applicable regulations * Build and maintain positive ...

Credit Wise Recovery Solutions

Virtual Collections Specialist Credit Wise Recovery Solutions is currently seeking virtual agents that have 1+ years of 3rd party collections experience to work from home. At CWR, your earning ...

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How much do third party collections agent jobs pay per hour?

As of May 28, 2026, the average hourly pay for third party collections agent in the United States is $18.06, according to ZipRecruiter salary data. Most workers in this role earn between $14.42 and $20.43 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Third Party Collections Agent, and why are they important?

To thrive as a Third Party Collections Agent, you need strong negotiation skills, knowledge of debt collection regulations, and typically a high school diploma or equivalent. Familiarity with collections management software, CRM systems, and compliance tools is often required. Excellent communication, active listening, and resilience under pressure are vital soft skills for this role. These competencies enable agents to recover debts effectively while maintaining compliance and positive client relationships.

What are some common challenges Third Party Collections Agents face when working with debtors, and how can they be addressed?

Third Party Collections Agents often encounter challenges such as unresponsive debtors, emotional conversations, and resistance to payment. To address these, agents are trained to use effective communication techniques, remain empathetic but firm, and follow compliance guidelines to maintain professionalism. Building rapport, understanding the debtor's circumstances, and offering flexible payment solutions can help overcome resistance and increase recovery rates.

What are Third Party Collections Agents?

Third Party Collections Agents are professionals who work for agencies hired by creditors to recover overdue debts from individuals or businesses. Unlike first-party collectors, who are directly employed by the original creditor, third-party agents act as intermediaries to collect unpaid balances. They typically contact debtors via phone, mail, or email to arrange payment plans, negotiate settlements, and provide information about the debt. Their work is regulated by laws such as the Fair Debt Collection Practices Act to ensure ethical and legal practices.

What is a third party collection agent?

A third party collection agent is a professional or agency hired by a creditor to recover overdue debts from borrowers. They typically use phone calls, letters, and negotiation skills to collect payments and must comply with regulations like the Fair Debt Collection Practices Act. This role often requires strong communication skills and knowledge of debt collection laws.

What is the difference between Third Party Collections Agent vs Debt Collector?

AspectThird Party Collections AgentDebt Collector
CredentialsOften requires basic collections training, sometimes certifications like Fair Debt Collection Practices Act (FDCPA)Similar credentials, may include licensing depending on state
Work EnvironmentTypically works for third-party agencies, in office or remoteUsually employed by collection agencies, in similar environments
Employer & Industry UsageUsed by third-party collection agencies to recover debts for original creditorsCommonly used interchangeably with third-party collections, focusing on debt recovery

Both roles involve debt recovery for third-party agencies, requiring similar skills and certifications. The main difference lies in terminology; 'Third Party Collections Agent' emphasizes the agency's role, while 'Debt Collector' is a broader term often used interchangeably. Both positions operate in similar environments and serve the same industry purpose.

More about Third Party Collections Agent jobs
What cities are hiring for Third Party Collections Agent jobs? Cities with the most Third Party Collections Agent job openings:
What job categories do people searching Third Party Collections Agent jobs look for? The top searched job categories for Third Party Collections Agent jobs are:
Third Party Collections Agent jobs near you
Infographic showing various Third Party Collections Agent job openings in the United States as of May 2026, with employment types broken down into 89% Full Time, and 11% Contract. Highlights an 66% In-person, 6% Hybrid, and 28% Remote job distribution, with an average salary of $37,572 per year, or $18.1 per hour.

Collections Agent

Above Lending

Tempe, AZ • On-site

$18/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 26 days ago

Job description

Above Lending is a next-generation financial services company. We provide simple and transparent products aimed at helping our clients achieve their personal finance goals. With competitive rates and personalized support, our mission is to simplify the lending process and help borrowers attain financial well-being. We are committed to making credit more affordable and accessible.

A Collections Agent will play a crucial role in managing and resolving early-stage delinquent accounts. This position requires excellent communication skills, a strong understanding of customer behavior, and the ability to negotiate effectively. The successful candidate will be responsible for reviewing and analyzing accounts, engaging clients to resolve outstanding issues, and ensuring that accounts are managed in accordance with company policies and regulatory requirements.
 
We are looking for agents available to work the following shifts:
10am to 7pm
You will
  • Review and analyze delinquent accounts to determine the best course of action for resolution.
  • Contact clients via phone and email to discuss their accounts and provide solutions for repayment and long term goals.
  • Negotiate repayment plans with clients in a professional and empathetic manner.
  • Document all interactions and agreements with clients in the company's system accurately and promptly.
  • Conduct skip tracing activities to locate hard-to-reach or unresponsive customers using various investigative tools and techniques.
  • Monitor accounts to ensure compliance with agreed-upon payment plans.
  • Collaborate with internal departments, such as Customer Service and Special Handling, to resolve complex account issues.
  • Maintain up-to-date knowledge of company policies, procedures, and regulatory requirements related to account resolution.
  • Provide excellent customer service and support to clients throughout the resolution process.
  • Identify and escalate unresolved issues to the Operations Manager when necessary.
  • Participate in team meetings and training sessions to stay informed about industry trends and updates.
You have
  • High school diploma or equivalent; Associate's or Bachelor's degree in related field is preferred.
  • Minimum of 2 years experience in consumer collections
  • Strong understanding of financial products, services, and regulations.
  • Excellent verbal and written communication skills.
  • Ability to negotiate and resolve conflicts effectively.
  • Strong analytical and problem-solving skills.
  • Proficiency in Microsoft Office Suite and experience with CRM software.
  • High level of integrity and commitment to maintaining client confidentiality.
  • Ability to work independently and as part of a team in a fast-paced environment.
We offer
  • Considerable employer contributions for health, dental, and vision programs
  • Generous PTO, paid holidays, and paid parental leave
  • 401(k) matching program
$18 - $18 an hour
In addition to base compensation, this position qualifies for commission. Collections Agents earn a monthly commission based on the percentage of debt collected, subject to the terms outlined in the company's commission plan. 
The compensation range is based on the level outlined in the job posting, and compensation decisions are dependent on each applicant's experience, skills and abilities
Join our dynamic team and contribute to Above Lending's success as we continue to provide innovative lending solutions to our customers.

Under the California Consumer Privacy Act ("CCPA"), Above Lending is informing California residents who are our job applicants, contractors or prospective employees (together "job applicants") about the categories of personal information we collect about you and the purposes for which we will use this information. This notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information that is subject to the CCPA. Please see our website for the full CCPA statement.

*Above Lending is an equal opportunity Employer*
Above Lending does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job positions.  No fee will be paid to their parties who submit unsolicited candidates directly to Above Lending employees or the Above Lending Finance and HR teams.  No placement fee will be paid to any third party unless such a request has been made by the Above Lending HR team.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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