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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 ...

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

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

Collector

Des Plaines, IL · On-site

$18 - $23/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

Des Plaines, IL · On-site

$18 - $23/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

Des Plaines, IL

$17 - $23/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 ...

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Third Party Debt Collector information

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

As of Aug 4, 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 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.

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.
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 July 2026, with employment types broken down into 1% Locum Tenens, 64% Full Time, 32% Part Time, 1% Temporary, and 2% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $38,249 per year, or $18.4 per hour.

3rd Party Debt Collector - Uncapped Monthly Commissions

Capital Management Services, LP

Buffalo, NY

$17/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 9 days ago

Job description

Now Hiring: Third-Party Debt Collectors

Buffalo, NY | Full-Time | Starting at $16.00/hour + Uncapped Monthly Commissions

Capital Management Services (CMS) is looking for motivated and driven Debt Collectors to join our growing team.

As a Third-Party Debt Collector, you'll work directly with consumers to resolve past-due accounts by negotiating payment arrangements and identifying solutions that help customers achieve their financial goals. Our collectors maintain the highest level of professionalism while following all federal, state, and client compliance requirements.

With more than 20 years of stability in the Buffalo area, CMS has built a reputation as a company built for collectors, by collectors. We provide the training, support, coaching, and earning potential needed to build a successful long-term career in collections.

What You'll Do
  • Handle inbound and outbound collection calls.
  • Negotiate payment arrangements and resolve past-due accounts.
  • Review account information and educate consumers on available payment options.
  • Maintain accurate account documentation and collection notes.
  • Meet daily call volume and performance goals.
  • Comply with all FDCPA, state, client, and company regulations on every interaction.
What We're Looking For
  • Collections, customer service, sales, or call center experience preferred.
  • Strong communication and negotiation skills.
  • Professional phone presence.
  • Ability to work in a fast-paced, goal-oriented environment.
  • Basic computer proficiency.
  • Reliable attendance and a strong work ethic.
Compensation
  • Starting pay begins at $16.00 per hour.
  • Candidates with an Associate's degree or higher start at $17.00 per hour.
  • Candidates with prior collections experience may qualify for a higher starting wage based on experience.
  • Uncapped monthly commission opportunities.
  • Our collectors earn an average of $1,200–$1,400 per month in commissions, with top performers earning significantly more.
Benefits
  • Medical, Dental, and Vision Insurance
  • 401(k) Retirement Plan
  • Paid Time Off
  • $150 Sign-On Bonus after 60 days
  • Fully Paid Training
  • Career advancement opportunities
  • Long-term career stability
Paid Training

Training is fully paid and conducted Monday through Friday from 9:00 AM – 5:00 PM.

Position Details
  • Full-Time
  • On-site in Buffalo, NY
  • Morning and afternoon schedules available

If you're looking for a career where your effort directly impacts your earning potential, Capital Management Services offers one of the most competitive commission programs in the industry. With uncapped monthly commissions averaging $1,200–$1,400 per month, you'll have the opportunity to significantly increase your income while building a long-term career with an established company.

Apply today and start building your future with Capital Management Services.

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