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Third Party Debt Collector Jobs (NOW HIRING)

Spruce Power

Debt Collector

Houston, TX · On-site

Debt Collector Spruce Power THE ROLE: Debt Collector Spruce Power, a leading provider of solar ... third-party asset owners and retail customers. Spruce is headquartered in Houston, TX with a ...

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

Proven experience as a Debt Collector in a third party environment with a strong track record in meeting collection targets. * Knowledge: Solid understanding of debt collection laws, regulations, and ...

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

Proven experience as a Debt Collector in a third party environment with a strong track record in meeting collection targets. Knowledge: Solid understanding of debt collection laws, regulations, and ...

D & A Services, LLC

Debt Collector - Houston

Houston, TX · On-site

$17 - $23/hr

Proven experience as a Debt Collector in a third party environment with a strong track record in meeting collection targets. * Knowledge: Solid understanding of debt collection laws, regulations, and ...

Energy Service Experts

Debt Collector

Houston, TX · On-site

$19 - $22/hr

Debt Collector Spruce Power THE ROLE: Debt Collector Spruce Power, a leading provider of solar ... third-party asset owners and retail customers. Spruce is headquartered in Houston, TX with a ...

D & A Services, LLC

Collector - Metairie

Metairie, LA · On-site

$18 - $25/hr

Minimum of 3 years of experience as a Debt Collector in a third party environment with an emphasis on credit card collections. * Strong communication skills: Excellent verbal and written ...

D & A Services, LLC

Collector - Metairie

Metairie, LA · On-site

$18 - $25/hr

Minimum of 3 years of experience as a Debt Collector in a third party environment with an emphasis on credit card collections. * Strong communication skills: Excellent verbal and written ...

D & A Services, LLC

Collector - Metairie, LA

Metairie, LA · On-site

$18 - $25/hr

Minimum of 3 years of experience as a Debt Collector in a third party environment with an emphasis on credit card collections. Strong communication skills: Excellent verbal and written communication ...

D & A Services, LLC

Bilingual Collectors

Houston, TX · On-site

$17 - $23/hr

Proven experience as a Debt Collector or in a similar role * Minimum of one year, recent experience, three years of recent third party credit card collections, preferred. * Strong negotiation and ...

D & A Services, LLC

Bilingual Collectors

Houston, TX · On-site

$17 - $23/hr

Fluency in both English and Spanish Proven experience as a Debt Collector or in a similar roleMinimum of one year, recent experience, three years of recent third party credit card collections ...

D & A Services, LLC

Bilingual Collectors

Houston, TX · On-site

$17 - $23/hr

Proven experience as a Debt Collector or in a similar role * Minimum of one year, recent experience, three years of recent third party credit card collections, preferred. * Strong negotiation and ...

34259 - Blitt and Gaines PC

Debt Collector

Urbandale, IA · On-site

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the ... Communicate professionally with consumers, attorneys, and third-party representatives * Ensure ...

Blitt and Gaines, P.C.

Debt Collector

Des Moines, IA

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the ... Communicate professionally with consumers, attorneys, and third-party representatives * Ensure ...

Blitt and Gaines, P.C.

Debt Collector

Saint Louis, MO

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the ... Communicate professionally with consumers, attorneys, and third-party representatives * Ensure ...

Blitt and Gaines, P.C.

Debt Collector

Vernon Hills, IL · On-site

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the ... Communicate professionally with consumers, attorneys, and third-party representatives * Ensure ...

Blitt and Gaines

Debt Collector

Naperville, IL · On-site

$18 - $25/hr

C. is a leading debt collection law firm with over 30 years of experience representing most of the ... Communicate professionally with consumers, attorneys, and third-party representatives * Ensure ...

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Third Party Debt Collector information

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$18

$26

How much do third party debt collector jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for third party debt collector in the United States is $18.39, according to ZipRecruiter salary data. Most workers in this role earn between $15.38 and $19.95 per hour, depending on experience, location, and employer.

What is a third party debt collector?

A third party debt collector is a company or individual hired by a creditor to recover unpaid debts from consumers. These collectors are not the original lenders, but work on behalf of creditors to collect outstanding balances. They may contact debtors by phone, mail, or email and must follow laws such as the Fair Debt Collection Practices Act (FDCPA) to ensure ethical and legal collection practices. Their goal is to recover as much of the owed amount as possible, either through payment plans or settlements.

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

To thrive as a Third Party Debt Collector, you need strong negotiation skills, knowledge of debt collection laws, and typically a high school diploma or equivalent. Proficiency with customer relationship management (CRM) software, phone systems, and collections databases is commonly required. Excellent communication, resilience, and problem-solving abilities help build rapport and handle difficult conversations effectively. These skills are vital to maximize recoveries, maintain compliance, and foster positive relationships with both debtors and clients.

How does a third party debt collector typically collaborate with clients and internal teams to maximize recovery rates?

Third Party Debt Collectors often work closely with client companies to understand account histories, payment arrangements, and compliance requirements. Internally, they frequently coordinate with supervisors, legal teams, and customer service departments to ensure collection strategies align with regulations and client expectations. Effective communication and teamwork play a crucial role in resolving disputes and negotiating payment plans, which ultimately helps maximize recovery rates while maintaining professionalism and ethical standards.

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

AspectThird Party Debt CollectorDebt Collector
CredentialsOften requires a license or certification, such as a debt collection licenseMay require similar licensing, depending on state laws
Work EnvironmentWorks for third-party agencies collecting debts for other companiesWorks directly for creditors or collection agencies
Employer & Industry UsageCommonly employed by collection agencies, law firms, or financial institutionsEmployed by creditors, collection agencies, or law firms
Search & Comparison IntentOften compared for licensing, procedures, and complianceCompared for direct vs. third-party collection roles

In summary, Third Party Debt Collectors work for agencies collecting debts on behalf of other companies, often requiring specific licenses. Debt Collectors may work directly for creditors or third-party agencies. Both roles involve similar skills and legal requirements, but their employer relationships and scope of work differ.

More about Third Party Debt Collector jobs

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

The top searched job categories for Third Party Debt Collector jobs are:

Third Party Debt Collector jobs near you
Infographic showing various Third Party Debt Collector job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 1% As Needed, 80% Full Time, 13% Part Time, 4% Contract, and 1% Nights. Highlights an 88% Physical, 4% Hybrid, and 8% Remote job distribution, with an average salary of $38,249 per year, or $18.4 per hour.

Debt Collector

Spruce Power

Houston, TX • On-site

Full-time

Re-posted 8 days ago

Job description

Debt Collector
Spruce Power
THE ROLE: Debt Collector
 
Spruce Power, a leading provider of solar energy to over 53,000 customers, is the nation’s #1 independent residential solar servicing company, and offers customers a comprehensive, end-to-end servicing solution including financial asset management, account services, billing, fleet management, and customer support to third-party asset owners and retail customers.
Spruce is headquartered in Houston, TX with a presence in New Jersey and California.  This role is envisioned to be located in Houston, TX.
Spruce is seeking a Collections Specialist responsible for supporting and handling Spruce’s billing and collections efforts. Its primary focus is to drive account resolution and maximize recovery by ensuring timely follow-up and effective solutions are provided to both internal and external billing and delinquency-related inquiries. The Asset Recovery Collector will be detail-oriented, dependable, productive, and have strong work ethics and organizational skills, with the ability to manage complex account balances, resolve discrepancies, and secure payment arrangements. The Asset Recovery Collector plays a crucial role in supporting internal operations by reducing delinquency, improving cash flow, and ensuring accounts are worked in alignment with company standards and recovery goals.
  • This role is located in Houston, TX | Compensation: $19-$21 (+ $1 if  bilingual) | Schedule: Full time, 40 hours per week (Call Center hours Monday- Thursday 8:00am to 7:00pm, Fridays 8:00am to 6:00pm)
  • No Weekends
  • 40 hours per week with a structured 2 week training schedule (Monday - Friday, 8:00am - 6:00pm, 100% onsite during training)

Key Responsibilities Include:
  • Communicate with customers via inbound/outbound phone calls.
  • Manage assigned accounts and plan course of action to recover outstanding debts.
  • Update account status and database regularly
  • Validation of customer information including addresses, contact information, and right party authentication steps.
  • Review terms of sales and agreement documents and explain them to customers to increase customer understanding of contract obligations. 
  • Adhere to FDCPA, state and federal laws and regulations.
  • Comply with policies and procedures as required.
  • Locate customers using skip trace sites, internet, and credit bureau!
  • Work from multiple servicing platforms to investigate and resolve discrepancies.
  • Communicate effectively with internal and external partners.
  • Comply with requirements when legal action is unavoidable.

Requirements:
  • Minimum 2 years collections experience.
  • Computer/Technical knowledge to change, add, or delete information in servicing platform
  • Ability to solve problems quickly and efficiently in the best interest of the company and customer
  • FDCPA Regulations
  • Critical thinking skills
  • Basic understanding of consumer agreement documents
  • Ability to type a minimum of 30 words per minute free of grammatical errors
  • Proficient in Microsoft Word, Excel, PowerPoint and email
  • Strong math skills
  • Partner well with teammates and other departments
  • Ability to work unsupervised after the initial training phase
  • Bilingual in Spanish is a plus

Desirable Skills:
  • Good attendance
  • Ability to adapt to changes
  • Customer Service
  • Problem Solving
EDUCATION
A high school diploma is required for this role.
BENEFITS
Spruce Power offers competitive benefits and a collaborative, purpose-driven, high-energy culture.
EQUAL OPPORTUNITY EMPLOYER
We value a diverse work environment. Spruce Power is an equal opportunity employer and hires without consideration to race, religion, national origin, age, gender, sexual orientation, marital status, veteran status or disability.
 

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