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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Job Title: Mitigation & Restoration Debt Collector / Accounts Receivable Specialist
Department: Collections
Reports To: Operations Manager/Office Manager
Job Type: Full-Time
Compensation: Competitive (commensurate with experience)
Company Overview
We are a premier, full-service Mitigation Restoration and Reconstruction Company dedicated to helping property owners recover quickly and seamlessly from water, fire, mold, and storm damage. We pride ourselves on delivering exceptional emergency mitigation and structural reconstruction services, guided by strong industry standards and a commitment to quality. We are seeking a dynamic, highly organized, and results-driven Mitigation/Restoration Debt Collector to join our administrative and finance team.
Position Overview
The Mitigation & Restoration Debt Collector is responsible for helping managing the accounts receivable lifecycle specifically within the property damage restoration and construction industry. This includes overseeing insurance claims collections, communicating with mortgage companies, third-party administrators (TPAs), and property owners, and resolving billing discrepancies. The ideal candidate understands the unique billing workflows of emergency mitigation and reconstruction (e.g., Xactimate scopes, insurance deductibles, and assignment of benefits) and can maintain a high standard of professional communication while recovering outstanding funds.
Key Responsibilities
- Accounts Receivable & Collections: Manage the active collections pipeline for commercial and residential mitigation and reconstruction projects, reducing Days Sales Outstanding (DSO) and aging receivables.
- Insurance & TPA Coordination: Follow up on pending insurance claims, interact with insurance adjusters, mortgage departments, and TPAs to ensure timely release of claim checks and insurance proceeds.
- Client & Vendor Communication: Handle inbound and outbound collection calls and correspondence with homeowners, commercial clients, and property managers with empathy, professionalism, and firmness.
- Billing & Documentation Review: Cross-reference invoices, mitigation logs, and completed scopes of work against approved estimates (e.g., Xactimate) to ensure billing accuracy prior to collection efforts.
- Payment Processing & Accounting: Post payments accurately into accounting and job management platforms, manage payment plans, and process credit card or ACH transactions.
- Dispute Resolution: Investigate and resolve billing disputes by working collaboratively with Project Managers, Estimators, and field staff.
- Reporting & Tracking: Maintain detailed collection logs, provide aging reports to management, and escalate severely delinquent accounts for liens or legal review when necessary.
- Administrative Support: Assist the finance and administrative team with general accounting inputs, audit preparation, and other fiscal tasks as needed.
Qualifications & Requirements
- Industry Experience: Minimum 2–4 years of experience in commercial or consumer collections, accounts receivable, or medical/construction billing—experience within the property restoration or insurance claims industry is strongly preferred.
- System Proficiency: Strong technical skills, including proficiency in QuickBooks, JobNimbus (or similar CRM/job tracking software), Microsoft Excel, and Word. Familiarity with Xactimate is a significant plus.
- Communication Skills: Exceptional verbal and written communication skills in English; bilingual (English/Spanish) is a strong plus. Ability to de-escalate tense financial conversations while remaining firm and professional.
- Industry Knowledge: Basic understanding of construction terminology, mitigation billing practices, insurance claim procedures, mechanics' liens, and assignment of benefits (AOB) is highly desirable.
- Attention to Detail: High level of accuracy in data entry, financial reconciliation, and record-keeping.
- Work Ethic & Adaptability: Self-motivated, proactive, and capable of thriving in a fast-paced environment where priorities can shift rapidly. Willingness to work occasional overtime (1–2 hours during the week) during high-volume periods or month-end close.
- Reliability: Must have reliable transportation and the ability to travel locally to client sites or offices if required.
What We Offer
- Comprehensive health and benefits package (customizable to your company's offerings)
- Paid time off (PTO) and paid holidays
- Ongoing professional development and training opportunities
- A collaborative, high-energy team environment with opportunities for internal growth
Job Type: Full-time
Pay: $16.00 - $28.00 per hour
Benefits:
- Health insurance
- Paid time off
Education:
- High school or equivalent (Required)
Experience:
- Collection: 5 years (Preferred)
Language:
- English (Required)
License/Certification:
- Driver's License (Preferred)
Work Location: In person
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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 Carvant Financial are hiring the most debt collectors right now, with openings concentrated in New York, Florida, and Illinois, based on current listings on Migrate Mate as of November 2026. Demand is particularly strong at healthcare revenue cycle firms and third-party collections agencies.
How many debt collector jobs are remote?
About 33% of debt collector openings are fully remote or hybrid as of November 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.
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