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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Showing 5 of 6+ Debt Collector jobs
Job Overview
Recovery Solutions Group is seeking a motivated and detail-oriented Debt Collector to join our team. We specialize in commercial collections and select non-medical consumer accounts connected to property or contracted services. The ideal candidate will have strong negotiation skills, a firm understanding of financial processes, and prior experience in commercial or consumer debt recovery. This role is focused on resolving outstanding balances through professional communication, accurate account management, and strict compliance with collection laws and regulations.
Work Schedule:
We offer three fixed schedules (set upon selection, not optional to change daily):
8:00 AM – 4:00 PM (½ hour lunch)
8:00 AM – 4:30 PM (1 hour lunch)
8:00 AM – 5:00 PM (1 hour lunch + two 15-minute breaks)
Our team works Monday through Friday only.
Responsibilities
Initiate contact with debtors via phone and email to discuss outstanding balances and arrange payment solutions.
Apply effective negotiation strategies to maximize recovery while preserving professional relationships.
Review and analyze account histories to verify balances, identify discrepancies, and determine the best course of action.
Accurately document all collection activity in our financial software.
Collaborate with internal teams to reconcile accounts and resolve payment or billing issues.
Maintain up-to-date knowledge of applicable debt collection laws and regulations.
Provide prompt, professional responses to debtor inquiries or disputes.
Ensure strict compliance with all laws, regulations, and company policies governing debt recovery.
Qualifications
- Proven experience in commercial or consumer debt collections is highly desirable.
- Strong understanding of financial concepts, accounting principles, and accounts receivable processes.
- Excellent communication skills with the ability to negotiate confidently and professionally.
- Familiarity with financial and collection software systems.
- Strong analytical skills for account review, reconciliation, and payment tracking.
- Basic math skills for calculating balances and structuring payment plans.
- Self-motivated with the ability to meet and exceed performance targets.
- Coachable, with a willingness to learn and adapt to proven collection strategies and company procedures.
What to expect during the interview process:
Interviews are conducted in person during normal business hours, typically around 9:00 AM, although we can accommodate other times when needed. You'll complete a quick typing test and meet with one of our managers to talk more about the role and see if it feels like a good fit on both sides.
Job Type: Full-time
Pay: From $42,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Disability insurance
- Health insurance
- Life insurance
- On-the-job training
- Paid time off
- Paid training
- Retirement plan
- Vision insurance
Application Question(s):
- Debt collection is full of rejection. Tell us about a time someone told you "no," but you eventually changed their mind. What did you do?
- Imagine you and another collector receive the exact same training, accounts, and tools. One consistently earns twice as much as the other. What do you think makes the difference?
Work Location: In person
Job Overview
Recovery Solutions Group is seeking a motivated and detail-oriented Debt Collector to join our team. We specialize in commercial collections and select non-medical consumer accounts connected to property or contracted services. The ideal candidate will have strong negotiation skills, a firm understanding of financial processes, and prior experience in commercial or consumer debt recovery. This role is focused on resolving outstanding balances through professional communication, accurate account management, and strict compliance with collection laws and regulations.
Work Schedule:
We offer three fixed schedules (set upon selection, not optional to change daily):
8:00 AM – 4:00 PM (½ hour lunch)
8:00 AM – 4:30 PM (1 hour lunch)
8:00 AM – 5:00 PM (1 hour lunch + two 15-minute breaks)
Our team works Monday through Friday only.
Responsibilities
Initiate contact with debtors via phone and email to discuss outstanding balances and arrange payment solutions.
Apply effective negotiation strategies to maximize recovery while preserving professional relationships.
Review and analyze account histories to verify balances, identify discrepancies, and determine the best course of action.
Accurately document all collection activity in our financial software.
Collaborate with internal teams to reconcile accounts and resolve payment or billing issues.
Maintain up-to-date knowledge of applicable debt collection laws and regulations.
Provide prompt, professional responses to debtor inquiries or disputes.
Ensure strict compliance with all laws, regulations, and company policies governing debt recovery.
Qualifications
- Proven experience in commercial or consumer debt collections is highly desirable.
- Strong understanding of financial concepts, accounting principles, and accounts receivable processes.
- Excellent communication skills with the ability to negotiate confidently and professionally.
- Familiarity with financial and collection software systems.
- Strong analytical skills for account review, reconciliation, and payment tracking.
- Basic math skills for calculating balances and structuring payment plans.
- Self-motivated with the ability to meet and exceed performance targets.
- Coachable, with a willingness to learn and adapt to proven collection strategies and company procedures.
What to expect during the interview process:
Interviews are conducted in person during normal business hours, typically around 9:00 AM, although we can accommodate other times when needed. You'll complete a quick typing test and meet with one of our managers to talk more about the role and see if it feels like a good fit on both sides.
Job Type: Full-time
Pay: From $42,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Disability insurance
- Health insurance
- Life insurance
- On-the-job training
- Paid time off
- Paid training
- Retirement plan
- Vision insurance
Application Question(s):
- Debt collection is full of rejection. Tell us about a time someone told you "no," but you eventually changed their mind. What did you do?
- Imagine you and another collector receive the exact same training, accounts, and tools. One consistently earns twice as much as the other. What do you think makes the difference?
Work Location: In person
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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?
TC, Cable TV Collections, and KOP Collection Services are hiring the most debt collectors right now, with openings concentrated in California, Illinois, and Florida, based on current listings on Migrate Mate as of August 2026. Demand is particularly strong at healthcare revenue cycle firms and third-party collections agencies.
How many debt collector jobs are remote?
About 0% of debt collector openings are fully remote or hybrid as of August 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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