Pros: nice people, good training
Cons: stressful, representative
I've been at DMA for a few months now. The training was extensive and helpful, and I learned a lot about the collections process and about sales techniques. I felt prepared to start, which is all you can ask of a training course, really.
When I got on to the floor, I realized that the managers are managers because they are excellent collectors, but not necessarily excellent leaders. The excellent leaders are pretty good collectors, and the lousy collectors are miserable. No one explains the bonus structure until you are all amped up to start making money, and then you realize that you need to collect an absurd balance to make bonus.
My coworkers are really nice and friendly, but the nature of the job does not allow for much socialization. The managers can tell from their computers if you're not doing what you're supposed to be doing, and so if you've taken too long of a break to socialize, they'll know and not be happy.
The hardest part of the job is keeping a positive attitude when everyone is telling you they're broke, or swearing at you, or refuses to answer your calls when all you're trying to do is help them. You do have a change to help people get out of debt, but getting people to believe that you are not a scam or a jerk is challenging. From what I've seen, you can be a supervisor or a collector, and that's it... no raises after a certain time or anything. Also, there is the possibility of getting sued. Not the company, but you personally. That's not DMA though, that's the law.
It is really uplifting when you work with someone who actually wants to work with you.
Sometimes there is coffee available, but I hear people steal the coffee supplies and that's not cool. HR has always been very responsive, and sometimes there are pot lucks and stuff, so that's good for morale.