Remote Debt Consultant Jobs
Remote Debt Consultant jobs are open across the U.S. at remote-first firms, distributed financial services teams, and credit counseling organizations hiring for fully remote roles. Employers hiring remotely right now include Achieve. Find a role that fits below and apply directly.
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Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.
Job Description
As a Debt Consultant on our Freedom Debt Relief team, you’ll work with customers facing higher levels of unsecured debt and guide them through personalized solutions to regain financial control. These customers are often further along in their decision journey but require a skilled, consultative approach to fully understand their situation and confidently move forward.
In this role, you’ll manage a pipeline of high-value opportunities and lead conversations that balance empathy, education, and financial clarity often closing within 1–2 interactions. This role is designed for experienced sales professionals who excel at building trust quickly, navigating complex financial conversations, and driving clear decisions.
We are proudly offering remote work in Dallas and Houston, TX metro market. This role requires employees to have high speed internet/fiber broadband connection.
Start Date: January 11th, 2027
Shift(s): Tuesday-Saturday or Sunday-Thursday closing shift
Hours: 8-hour shifts between the hours of 12:30pm-9:00pm (CDT- Texas)
Total Compensation: $75,000- $85,000 on average, and top performers earn $100,000 + annually + benefits. This information represents the expected on-target earnings for this role broken down into an hourly base pay plus uncapped commissions.
What you’ll do:
- Own and manage a pipeline of high-debt, high-intent customers from initial contact through enrollment
- Lead consultative conversations to understand each customer's full financial picture
- Clearly explain debt resolution strategies, program structure, and expected outcomes
- Balance empathy with direction, guiding customers through emotionally and financially complex decisions
- Drive efficient decision-making and close opportunities, often within 1-2 calls
- Prioritize opportunities and execute targeted follow-up to maximize conversion
- Meet and exceed daily, weekly, and monthly sales goals
Qualifications
What you’ll bring:
- 3+ years of experience in inside sales, with a preference for consultative of financial sales environments
- Proven success in a commission-driven role with consistent goal attainment
- Strong ability to navigate both emotional and analytical conversations
- Experience managing a pipeline and prioritizing opportunities effectively
- Confidence discussing financial situations, trade-offs, and long term outcomes
- High School diploma or equivalent
What sets you apart:
- You can quickly build trust with customers in high-stress financial situations
- You're comfortable leading deeper, more complex conversations- not just transactional sales
- You know how the guide a customer to a decision, not just provide information
- You take ownership of your pipeline and results.
Additional Information
Achieve well-being with:
- Achieve well-being with:
- Hybrid and remote work opportunities for certain roles
- 401 (k) with employer match
- Medical, dental, and vision with HSA and FSA options
- Competitive vacation and sick time off, as well as dedicated volunteer days
- Access to wellness support through Employee Assistance Program, physical and mental health wellness programs.
- Up to $5,250 paid back to you on eligible education expenses
- Pet care discounts for your furry family members
- Financial support in times of hardship with our Achieve Care Fund
- A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
Join Achieve, change the future.
At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 2,500 employees in mainly hybrid jobs with some remote opportunities available for certain roles across the United States with hubs in Arizona, California, and Texas. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.
#LI-JL2 #LI-Remote
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.
Job Description
As a Debt Consultant on our Freedom Debt Relief team, you’ll work with customers facing higher levels of unsecured debt and guide them through personalized solutions to regain financial control. These customers are often further along in their decision journey but require a skilled, consultative approach to fully understand their situation and confidently move forward.
In this role, you’ll manage a pipeline of high-value opportunities and lead conversations that balance empathy, education, and financial clarity often closing within 1–2 interactions. This role is designed for experienced sales professionals who excel at building trust quickly, navigating complex financial conversations, and driving clear decisions.
We are proudly offering remote work in Dallas and Houston, TX metro market. This role requires employees to have high speed internet/fiber broadband connection.
Start Date: January 11th, 2027
Shift(s): Tuesday-Saturday or Sunday-Thursday closing shift
Hours: 8-hour shifts between the hours of 12:30pm-9:00pm (CDT- Texas)
Total Compensation: $75,000- $85,000 on average, and top performers earn $100,000 + annually + benefits. This information represents the expected on-target earnings for this role broken down into an hourly base pay plus uncapped commissions.
What you’ll do:
- Own and manage a pipeline of high-debt, high-intent customers from initial contact through enrollment
- Lead consultative conversations to understand each customer's full financial picture
- Clearly explain debt resolution strategies, program structure, and expected outcomes
- Balance empathy with direction, guiding customers through emotionally and financially complex decisions
- Drive efficient decision-making and close opportunities, often within 1-2 calls
- Prioritize opportunities and execute targeted follow-up to maximize conversion
- Meet and exceed daily, weekly, and monthly sales goals
Qualifications
What you’ll bring:
- 3+ years of experience in inside sales, with a preference for consultative of financial sales environments
- Proven success in a commission-driven role with consistent goal attainment
- Strong ability to navigate both emotional and analytical conversations
- Experience managing a pipeline and prioritizing opportunities effectively
- Confidence discussing financial situations, trade-offs, and long term outcomes
- High School diploma or equivalent
What sets you apart:
- You can quickly build trust with customers in high-stress financial situations
- You're comfortable leading deeper, more complex conversations- not just transactional sales
- You know how the guide a customer to a decision, not just provide information
- You take ownership of your pipeline and results.
Additional Information
Achieve well-being with:
- Achieve well-being with:
- Hybrid and remote work opportunities for certain roles
- 401 (k) with employer match
- Medical, dental, and vision with HSA and FSA options
- Competitive vacation and sick time off, as well as dedicated volunteer days
- Access to wellness support through Employee Assistance Program, physical and mental health wellness programs.
- Up to $5,250 paid back to you on eligible education expenses
- Pet care discounts for your furry family members
- Financial support in times of hardship with our Achieve Care Fund
- A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
Join Achieve, change the future.
At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 2,500 employees in mainly hybrid jobs with some remote opportunities available for certain roles across the United States with hubs in Arizona, California, and Texas. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.
#LI-JL2 #LI-Remote
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Find Remote Debt Consultant JobsWhat Employers Look For
The qualifications that appear most often in remote debt consultant jobs.
- 1-3 years of experience in debt counseling, collections, or financial services
- Strong knowledge of consumer debt laws including FDCPA and state-level regulations
- Experience negotiating with creditors, lenders, or collection agencies on behalf of clients
- Proficiency with CRM software and debt management platforms
- NFCC affiliation, AFCPE certification, or equivalent financial counseling credential
- Bachelor's degree in finance, business, economics, or a related field
Tips for Your Remote Debt Consultant Job Search
Apply early to remote roles that fit
Migrate Mate lists remote debt consultant openings from across the U.S. in one place, so you can find roles that match your background and apply directly. Remote postings at smaller firms fill fast, so checking regularly and applying as soon as a role goes live gives you a real edge.
Prove your async communication skills upfront
Remote debt consultant employers screen for written clarity early. Treat your cover letter and any written screening answers as a demonstration of how you communicate with clients over email and secure messaging platforms. Concise, professional writing gets callbacks that phone-first candidates miss.
Highlight remote-ready debt resolution tools
Name the platforms you have worked with: client portals, e-signature tools, and CRM systems used in distributed financial services teams. Employers hiring remotely want to know you can manage a caseload and document client interactions without an in-office system to fall back on.
Prepare for a remote interview that tests judgment
Remote debt consultant interviews often include scenario questions about handling a difficult client call or resolving a stalled negotiation without a manager nearby. Prepare two or three specific examples of outcomes you achieved with minimal supervision, using numbers where you can without disclosing client details.
Remote Debt Consultant Jobs: Frequently Asked Questions
How do I get a remote debt consultant job?
Remote debt consultant roles go to candidates who can demonstrate self-direction and clear written communication from day one. Remote employers screen for experience with client-facing debt resolution, familiarity with negotiation and repayment planning, and the ability to manage a caseload without in-office oversight. A home office setup, comfort with video calls, and a history of hitting targets independently all strengthen your candidacy.
Which companies hire remote debt consultants?
Employers currently hiring remote debt consultants include Achieve, per current remote listings on Migrate Mate as of November 2026. Remote debt consultant roles are most common at remote-first financial services firms, distributed credit counseling agencies, and debt settlement companies that serve clients nationwide from distributed teams.
Can you get a remote debt consultant job with no experience?
Yes, but remote entry-level roles are harder to land because you must work independently without on-the-job coaching nearby. Remote-first consumer finance companies and nonprofit credit counseling agencies are most likely to hire entry-level candidates. Showing completed coursework in personal finance, a certification in credit counseling, or volunteer financial coaching work can open the door when direct experience is thin.
Do you need a degree for remote debt consultant jobs?
Not always. Many remote employers weigh demonstrated negotiation results, knowledge of debt resolution processes, and relevant certifications, such as a Certified Credit Counselor credential, as heavily as a degree. Candidates who can show a clear history of helping clients reduce or restructure debt, even through volunteer or freelance work, are competitive at remote-first firms that prioritize outcomes over credentials.
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