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Debt Collector Job Description: Top Duties and Qualifications

Edited by Indeed Employer Content Team
Last updated November 6, 2025
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Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

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8 min read

A 13161935collections2.87call center1.74accounting0.88collections specialist0.77debt collector0.741052911391617.2518.0243.20HOURLY167131222025-10-012025-10-312025-09-012025-09-302025-11-05Debt Collector, or Collection Specialist, work with customers to collect their outstanding debts to an organization. Their duties include organizing and keeping track of customer’s outstanding debt accounts, contacting debtors to learn more about their payment status and negotiating payments and payment plans with customers.

Debt Collector duties and responsibilities

A Debt Collector may need to research information about debtors, including finding out details like new addresses and other contact information. They attempt to obtain payment and will often negotiate partial payments. Some other responsibilities of a Debt Collector include:

  • Manage multiple delinquent accounts for debt collection efforts.
  • Keep track of assigned accounts to identify outstanding debts.
  • Plan a course of action to recover outstanding payments.
  • Negotiate payoff deadlines or payment plans.
  • Handle questions or complaints.
  • Investigate and resolve discrepancies in payments or accounts.

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Debt Collector Job Description Examples

Example 1

Debt Collection Specialist
  • Telephone communication with consumers who have a past due debt
  • Must have great negotiating skills
  • Responsible for providing a high degree of quality service while working with patients to make timely payments, resolve re payment issues, evaluate current financial situations to establish feasible paymentarrangements.
  • Essential Functions: makes outbound calls as required, evaluates patient information and files to determine payment options, maintains and documents accurate collection records, understands and utilizes all methods-techniques- and resources available, works constructively with the delinquent patient to ultimately cure the delinquent accounts, completes necessary research of any outstanding balance, checks for accuracy, completeness and compliance in accordance with the hospitals guidelines, oversees adherence to all laws and regulations pertaining to debt collections, determines when collection activity has been exhausted and submits to management, skip traces patients who cannot be located, accepts payments on delinquent accounts as requested by patient.
  • Must possess the ability to work well under pressure
  • Must possess exceptional verbal and written communication skills
  • Performs a variety of financial and regulatory tasks to collect delinquent accounts ensuring compliance with the fair debt collections practices act
  • Must be self motivated
  • Must have a positive attitude in the work environment
  • Must be able to take constructive criticism
  • Must be able to solve basic algorithm
  • Must be computer literate
  • Competitive pay, salary + commission


Job Type: Full-time

Pay: Up to $30.00 per hour

Benefits:
  • Paid sick time
  • Paid time off
  • Paid training
Physical setting:
  • Office
Schedule:
  • 8 hour shift
  • Day shift
  • Monday to Friday
  • No weekends
Supplemental pay types:
  • Commission pay

COVID-19 considerations:
we are not open to the public. we are a small businesses with 6 ft distance between us all at our work stations. we wash our hands frequently and sanitize regularly.



Experience:
  • Microsoft Excel: 1 year Location: In person

Example 2

Property Receivables, Corp is a nationwide collection agency that is growing its Renton, WA location. We are seeking Experienced Collection Specialistswith at least 2 years of proven experience in third party collections. Our representatives provide a combination of strong collections know-how with the ability to persuade and influence consumers to resolve their debts while being compliant with all federal, state and local laws. We are looking for Collection Specialists that bring their will to win every day and take initiative by turning problems into opportunities.

Duties and Responsibilities

You will be responsible for achieving recovery goals by making outbound and answering inbound collection calls. Our team negotiates payment arrangements and settlement agreements based upon a financial analysis of the consumer’s ability to pay their debt. You will use skip tracing tools to locate borrowers and assets. Additional responsibilities include managing your collection desk/accounts and documenting accounts while following our policies and procedures. This includes strict adherence to all compliance requirements.

Selected candidates with collections experience will possess the following:

Strong communication and influencing skills

Effective listening techniques

Patience and ability to manage stress

Strong organizational, multi-tasking and time management skills

Ability to analyze each consumer’s unique situation, create and negotiate repayment of past due obligations

Demonstrated knowledge and understanding of federal, state and local collection laws and regulations.

All selected candidates must exhibit flexibility and be open to change and work well in a high-volume, fast-paced and sometimes stressful environment.

Hourly wage plus commission! No cap on earnings!!

$18-$24/hour depending on experience

$200 monthly attendance bonus just for showing up!

$200 bi-lingual bonus for Spanish speakers

M-F 8-5, no weekends, no evenings

Option of hybrid work from home after 45 days and acceptable performance level

Medical

Dental

401k

Vision

10 Personal Days per year

Job Type: Full-time

Pay: $18.00 - $24.00 per hour

Expected hours: 40 per week

Benefits:
  • 401(k)
  • Dental insurance
  • Health insurance
  • Paid sick time
  • Paid time off
  • Vision insurance
Weekly day range:
  • Monday to Friday
  • No weekends
Work setting:
  • Call center
  • Hybrid work
  • Office



Experience:
  • Microsoft Excel: 1 year (Preferred)
  • Customer service: 2 years (Required)
  • Third Party Collections: 2 years (Required)

Ability to Relocate:
  • Renton, WA 98057: Relocate before starting work Location: Hybrid remote in Renton, WA 98057

Example 3

We only work Weekday hours Monday-Friday Casual Dress! Insurance, Bonuses, Retirement Plan

Since 1974 we have been at the top of all collections agencies on recovery for our clients.

"Experienced THIRD PARTY Collectors *WeekdayS ONLY**"

We are looking for Debt Collectors to join our team! You will be responsible for securing payments from your debtors.

Candidates must possess a friendly speaking voice as well as a patient & professional demeanor.

MUST HAVE FDCPA AND FCRA Experience ****

Responsibilities:

  • Find and inform debtors about unpaid debts
  • Make collections and billing calls to reduce the lost assets of the company and delinquent payments.
  • Skip Tracing, legal accounts (judgments)
  • Familiarity with the legal industry and familiarity with the Fair Debt Collections Practices Act are preferred*****

Qualifications:

  • Working knowledge of contract(s) to be serviced strongly preferred.
  • Minimum of Three (3) years 3rd party Experience in collections with in the last year *****
  • Excellent written and verbal communication skills
  • Ability to prioritize and multitask*****

Job Type: Full-time

Pay: $42,000.00 - $70,000.00 per year

Benefits:
  • 401(k) matching
  • Dental insurance
  • Health insurance
  • Paid sick time
  • Paid time off
  • Vision insurance
Physical setting:
  • Office
Schedule:
  • 8 hour shift
  • Day shift
  • Monday to Friday
  • No weekends
Supplemental pay types:
  • Bonus pay
  • Commission pay



Ability to commute/relocate:
  • Saint Charles, MO: Reliably commute or planning to relocate before starting work (Preferred)

Education:
  • High school or equivalent (Preferred)

Experience:
  • Debt Collection Agents: 3 years Location: In person

Example 4

This is a hourly plus bonus position with earning potential of $22000 to $40,000 per year based on performance.

Jacob Law Group, PLLC, is offering a full time performance based position requiring the ability to meet daily, weekly and monthly production goals in a fast paced Legal Collection Call Center.

Successful candidates will collect on pre and post judgment accounts in Mississippi, Tennessee, Arkansas and Alabama. Our portfolios include medial, bank credit cards, personal loans, and retail credit cards.

Qualified applicants must meet the following job requirements

Type 50 wpm

Excellent communication and negotiation skills

Must have excellent attendance

Be compute savvy and have the ability to multi-task

Work well under pressure

Work in compliance with Federal and State Collection Laws

Pass a 10 panel drug test

Pass a Criminal Background and Credit Check

.

If you are looking to be successful, then this may be what you have been looking for. This is not a job, but a career opportunity and only career minded individuals need apply.

Job Type: Full-time

Pay: From $10.00 per hour

Benefits:
  • 401(k)
  • Paid time off
Physical Setting:
  • Call center
  • Office
Schedule:
  • 8 hour shift
  • Day shift
  • Monday to Friday
Supplemental Pay:
  • Bonus pay
  • Commission pay

Ability to commute/relocate:
  • Oxford, MS 38655: Reliably commute or planning to relocate before starting work (Required)

Experience:
  • Microsoft Excel: 1 year (Preferred)
  • Customer service: 1 year Location: One location

Example 5

3rd Party Debt Collection company in Gaithersburg, MD seeking experienced debt collection with knowledge of Medical Debt Collection.

Global looks to add a debt collectors with a proven track record of success.

Position Work Hours: Usually 8am-5pm Monday - Friday.

Agent will be trained on an inbound/outbound dialer system.

Understanding of medical debt collections and FDCPA required.

Benefits:

Kaiser Health Insurance

MetLife Dental

PTO Leave Time

401k

Only applicants with debt collection experience will be considered. If you believe you are a person with superior debt collection skills, list why you are a cut above in your cover letter/email.

Job Type: Full-time

Pay: $16.00 - $19.00 per hour

Benefits:
  • 401(k)
  • 401(k) matching
  • Dental insurance
  • Health insurance
  • Paid time off
  • Referral program
Physical Setting:
  • Call center
Schedule:
  • 8 hour shift

COVID-19 considerations:
Common surfaces are sanitized daily. We are currently not mandating using a mask in the office and common areas at this time.

Education:
  • High school or equivalent (Preferred)

Experience:
  • Medical debt resolution: 2 years (Required)
  • Customer Service: 1 year Location: One location

Example 6

Collector for Commercial Collection Agency

Aaron Bryant Stewart & Cross - Middletown, OH

$14.00 an hour part time (20 hours a week) plus bonuses and commission with room to advance.

Professional Commercial Collection Agency Seeks Experienced Small Balance Collector

Aaron Bryant Stewart and Cross, an innovator in the Commercial Collections Industry, seeks a qualified representative to join our team. The position requires a highly motivated candidate with self-drive, good time management and a minimum of 2 years of recent experience in debt recovery.

Our staff is professional and effective backed by 14 years of impeccable agency reputation. The part-time position pays a salary plus commission. Business hours are 9-5 M-F for full time with a flexible work schedule for Part-Time employees. Collectors are responsible for contacting debtors regarding past due accounts and negotiating acceptable payment solutions. This position requires the ability to professionally negotiate with a variety of different personalities to collect on debts.

Apply within for an immediate opportunity. We will reply quickly if qualified. Thanks for your consideration.

Job Type: Part-time

Salary: $14.00 Plus Bonuses and Commission

Job Type: Part-time

Pay: From $14.00 per hour

Benefits:
  • Flexible schedule
  • Paid time off
Schedule:
  • Monday to Friday
Supplemental Pay:
  • Bonus pay
  • Commission pay

Education:
  • High school or equivalent (Preferred)

Experience:
  • Customer service: 2 years (Required)
  • Collection management: 2 years Location: One location

Example 7

LCS Financial Services Corporation is a nationally licensed collection agency that is growing and is seeking Experienced Collection Specialistswith at least 2 years of proven experience in third party collections. Our representatives provide a combination of strong collections know-how with the ability to persuade and influence borrowers to resolve their debts all while being compliant with all federal, state and local laws and regulations. We are looking for Collection Specialists that bring their A game every day and take initiative by taking a problem and turning it into an opportunity.

Duties and Responsibilities

As a member of the collection staff, you will be responsible for achieving recovery goals by making outbound and handling inbound collection calls. Our team negotiates payment arrangements and settlement agreements based upon a financial analysis of the borrower's ability to satisfy their indebtedness. You will use skip tracing tools to locate borrowers and assets. Additional responsibilities include managing your work queue and documenting accounts while following the company's policies and procedures including strict adherence to all compliance requirements. You will comply with all federal, state and local laws and regulations including, but not limited to, FDCPA, TCPA, FCRA, GLBA, and HIPPA.

WHAT YOU NEED TO Succeed

LCS is looking for self-starters and results driven individuals who want to control their own success and work hard to achieve it. Selected candidates with collections experience will possess the following:

**
  • Strong communication and influencing skills

**
  • Effective listening techniques

**
  • Patience and ability to manage stress

**
  • Strong organizational, multi-tasking and time management skills

**
  • Ability to analyze each borrower's unique situation, create and negotiate repayment of past due obligations

**
  • Demonstrated knowledge and understanding of federal, state and local collection laws and regulations.

All selected candidates must exhibit flexibility and be open to change and work well in a high-volume, fast-paced and sometimes stressful environment.

THE IDEAL Candidate WILL HAVE

**
  • Strong work ethic including attendance, dependability and punctuality

**
  • Have and maintain high standards of professionalism

**
  • High school diploma or equivalent required; undergraduate degree preferred; advanced degrees welcomed

**
  • Minimum of 2-years previous collections and call center experience required

**
  • Minimum 2-years of third-party collections experience

**
  • Fluent in English required; bilingual in Spanish is a plus

**
  • Strong attention to detail and goal-oriented

**
  • Ability to prioritize work and focus consistently on task at hand

**
  • Ability to communicate clearly and succinctly, utilizing proper grammar and telephone etiquette

WHAT WE OFFER:

LCS Financial Services Corporation is an Equal Employment Opportunity employer. We offer a comprehensive benefits package that includes medical, dental and vision coverage as well as life insurance and disability the first of the month following 30-days of employment. We also have a generous time off policy that includes vacation, sick and personal time and paid holidays and 401K plan.

As a prerequisite of employment, all employees must successfully pass a comprehensive background and drug screening requirements.

Job Type: Full-time

Pay: $20.00 - $22.00 per hour

Benefits:
  • 401(k)
  • Dental insurance
  • Health insurance
  • Life insurance
  • Paid time off
  • Vision insurance
Physical Setting:
  • Call center
  • Office
Schedule:
  • 8 hour shift
  • Monday to Friday
  • No weekends
Supplemental Pay:
  • Bonus pay

Ability to commute/relocate:
  • Centennial, CO 80112: Reliably commute or planning to relocate before starting work Location: One location
Our mission

Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

Read our editorial guidelines
Job Description Best Practices
Optimize your new and existing job descriptions to reach more candidates
Get the Guide

What does a Debt Collector do?

Debt Collectors work either for an organization or for debt collection agencies contacting people who owe money to an organization. They work closely with customers to communicate how much they owe the company, set a payment deadline and assist them with a payment plan to eventually resolve their debt. Many Debt Collectors are often in charge of investigating certain payment discrepancies and working to properly resolve them. They typically build trust and relationships with customers to help prevent future payment issues.

Debt Collector skills and qualifications

Debt Collectors need to be able to keep accurate records as they send out past due notices, keep track of address changes and other contact information and report missed payments to credit bureaus. They need to investigate and resolve any complaints, so they should have experience with research and be comfortable talking to a variety of people. Other important skills include:

  • Office and database software skills
  • Negotiation and conflict resolution skills
  • Speaking and listening skills
  • Multi-tasking and time management skills
  • Prioritization skills
  • Knowledge of relevant legal requirements
  • Ability to work independently
  • Attention to detail

Debt Collector salary expectations

The average salary for a Debt Collector is $13.55 per hour. Exact salary may vary depending on the applicant’s education, level of experience and geographical location. A Debt Collector typically stays in the position for around a year.

Debt Collector salary expectations

2025-10-017.2518.0243.20HOURLY
  • Common salary: 18.02 HOURLY
  • Typical salaries range from 7.25 - 43.20 HOURLY
  • Find more information on Indeed Salaries

*Indeed data – 2025-10-01

13161935collections2.87call center1.74accounting0.88collections specialist0.77debt collector0.741052911391617.2518.0243.20HOURLY167131222025-10-012025-10-312025-09-012025-09-302025-11-05Debt Collector education and training requirements

A high school diploma is often required to work as a Debt Collector. Many people in this position have prior experience in telemarketing or negotiated sales positions. Individuals who work well in customer service and have experience with sales often excel in the position of a Debt Collector. Debt Collectors occasionally assist with administrative work, so they should have experience in an office setting.

Debt Collector experience requirements

Many companies prefer prior experience as a Debt Collector or at least some experience in a call center. Applicants should have experience in sales and be persistent. Proficiency in computer programs also boosts a resume for a Debt Collector. Debt Collectors serve as a resource and a subject matter expert and may provide training to other team members, so they should have experience with training others.

Job description samples for similar positions

If you’re recruiting for positions related to a Debt Collector, see our job descriptions for similar roles:

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Frequently asked questions about Debt Collectors

Three individuals are sitting at a table with a laptop, a disposable coffee cup, notebooks, and a phone visible. Two are facing each other, while the third’s back is to the camera. The setting appears to be a bright room with large windows.

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