Debt Collector Jobs
Debt collector jobs are open across healthcare, financial services, banking, and third-party collections agencies, from entry-level positions to team lead and supervisor roles, with specializations in medical debt, commercial accounts, and skip tracing. Find a role that fits below and apply directly.
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Field Retention Specialist
Cocoa, FL & Surrounding Areas
Schedule: Up to 40hr/wk (Evenings Until 7 PM)
Makotek – Authorized Contractor for Spectrum/Charter Communications
Take Control of Your Career and Join a Team That Invests in Your Success!
Makotek is hiring Field Retention Specialists in Cocoa, FL, and surrounding areas. This is an exciting opportunity to work independently in the field, meet new people every day, and be rewarded for your performance. You’ll represent Spectrum, helping customers resolve past-due balances and retain their services.
No experience? No problem — we provide paid training to help you start strong and succeed quickly!
Key Benefits of Joining Our Team
- No experience required – we provide comprehensive, paid, hands-on training
- Independent and flexible work – you’ll be in the field, not behind a desk
- Strong earning potential – average $700–$1,000+ weekly based on performance
- Career growth opportunities – advancement potential with a growing company
- Meaningful work – help customers stay connected and avoid service interruptions
Job and Responsibilities
- Visit customers’ residences to facilitate payment arrangements for past-due accounts
- Provide professional, courteous service while resolving outstanding balances
- Communicate effectively with supervisors and management
- Manage daily routes efficiently to meet established performance goals
Qualifications
- Friendly and professional communication skills
- Self-motivated, dependable, and goal-oriented
- Flexible and adaptable to new situations daily
- Reliable and professional appearance and demeanor
Requirements
- Valid driver’s license
- Reliable vehicle with active auto insurance
- Smartphone with GPS capability
Compensation and Benefits
- Weekly pay: $700–$1,000+ based on performance
- Paid training – learn while you earn
- Mileage reimbursement – $0.40 per mile
- Health benefits – Medical, Dental, and Vision (after 60 days)
- Paid time off – available after one year
Location and Schedule
- Based in Cocoa, FL, and surrounding areas
- Up to 40 hours per week, including evenings until 7 PM
Makotek is an Equal Opportunity Employer.
We value diversity and do not discriminate based on race, gender, age, disability, or any protected status.
Job Type: Full-time
Pay: $700.00 - $1,000.00 per week
Benefits:
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Application Question(s):
- 1. Driver’s License Requirement-
Do you currently possess a valid, non-expired driver’s license issued in the United States?
2. Vehicle Registration-
Is your vehicle currently registered in your name or a household member’s name and active (not expired or suspended)?
3. Auto Insurance Status-
Are you listed as a policyholder or authorized driver on a current, active auto insurance policy?
4. Insurance Documentation-
Can you upload a current insurance declaration page showing your name listed as policyholder or driver?
5. Do you currently possess your Social Security card (physical or digital copy) and can present it during the onboarding process?
6. Transportation Reliability-
Do you have reliable daily access to your vehicle for work assignments?
Work Location: On the road
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Find Debt Collector JobsDebt Collector Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in debt collector jobs.
- Knowledge of the Fair Debt Collection Practices Act (FDCPA) and applicable state laws
- One or more years of experience in collections, customer service, or financial services
- Proficiency with collections software such as CUBS, CUBS, or similar platforms
- Strong verbal communication and negotiation skills for phone-based outreach
- High school diploma or GED, with associate or bachelor's degree preferred for senior roles
- Ability to meet monthly collection quotas and maintain accurate account documentation
Tips for Your Debt Collector Job Search
Tailor your resume to compliance language
Debt collector job postings heavily screen for Fair Debt Collection Practices Act (FDCPA) knowledge. Use that exact phrase on your resume, not just 'collections experience,' so your application clears automated filters and signals regulatory awareness to hiring managers.
Highlight your contact-to-payment conversion rate
Employers care about results, not just activity. If you've tracked how often your calls resulted in payment arrangements or settlements, include that context on your resume. Even framing it as 'consistently met monthly collection targets' is stronger than listing duties alone.
Get your debt collection license before applying
Several states require collectors to hold a state-issued license before they can legally contact debtors. Check the licensing requirements for any state where the employer operates, because unlicensed candidates are often screened out before the phone screen.
Apply early to roles that fit
Migrate Mate lists debt collector openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for role-play calls in your interview
Many debt collector interviews include a simulated collection call where you're asked to handle a resistant debtor. Practice stating your mini-Miranda rights disclosure naturally, staying firm without being hostile, and pivoting toward a payment plan when the debtor pushes back.
Negotiate using your account portfolio size
When it comes time to discuss compensation or territory, your strongest leverage is the volume and complexity of accounts you've worked. Employers distinguish between collectors who managed high-balance commercial accounts and those who handled high-volume consumer files, so be specific about both.
Debt Collector Jobs: Frequently Asked Questions
Which companies are hiring the most debt collectors?
Blitt and Gaines, P.C., USCB America, and Cable TV Collections are hiring the most debt collectors right now, with openings concentrated in Florida, Arizona, and Iowa, based on current listings on Migrate Mate as of September 2026. Demand is particularly strong at healthcare revenue cycle firms and third-party collections agencies.
How many debt collector jobs are remote?
About 50% of debt collector openings are fully remote or hybrid as of September 2026, reflecting how thoroughly phone-based collections work has shifted to home offices. Remote roles are most common in consumer debt, medical billing follow-up, and inbound collections, where supervisors can monitor calls and compliance digitally.
How do you become a debt collector?
Start by earning a high school diploma or GED, then apply for entry-level collections or customer service roles to build phone negotiation experience. Study the FDCPA so you can speak to compliance in interviews. If you plan to work in a state that requires a collector's license, complete that application before you start job searching, since licensing can take several weeks.
Can you get a debt collector job with no experience?
Yes, many employers hire candidates with no direct collections experience if you can demonstrate strong phone communication skills and a basic grasp of the FDCPA. Customer service, call center, or retail roles all count as relevant background. Entry-level openings typically come with paid training on collections software, compliance scripts, and account management procedures.
What does the debt collector interview process look like?
Most employers start with a short phone screen to assess your communication style and confirm you understand basic compliance requirements. An in-person or video interview typically follows, often including a role-play scenario where you simulate a collection call with a resistant debtor. Some employers add a background check and credit check before extending an offer, which is standard for roles that involve handling account data.
Where can I find and apply to debt collector jobs?
You can find and apply to debt collector jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your experience level and preferred location, then apply directly to each one that fits.
See All 16 Debt Collector Jobs
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