Debt Collector Job Description: Top Duties and Qualifications

A Debt 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.

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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.

Debt Collector Job Description Examples:


Debt Collector

Collections Representative - Remote

POM Recoveries, Inc. ®, is a national leader in the Receivables Management Industry.

Work From Home!

Headquartered on Long Island, New York, POM has been providing hospitals and healthcare providers with compliant and exceptional billing and collection services since 1983.

Position Highlights:

  • Function in a fast paced work from home environment while delivering superior performance and results.

  • Provide account receivable, customer service, and collections efforts for assigned portfolio

  • Research and reconciliation of your assigned accounts ensuring recorded and detailed documentation of collection efforts with resolution of client discrepancies

  • Maintain a consistent level of professionalism at all times with clients, customers, and fellow colleagues

  • Work closely with appropriate departments to support resolutions of discrepancies and adjustments required to resolve balances on accounts.

  • Must have ability to maintain focus

    POM offers a comprehensive benefits package including but not limited to the following:


  • Up to $22.00 per hour, based on experience

  • 2 weeks of full time paid training

  • Medical insurance / Dental / Vision insurance / 401(k)

  • Vacation pay / Holiday pay / Sick pay

  • Guaranteed base salary with no cap – unlimited income potential

  • Monthly bonus incentive programs

  • Employee referral bonus

  • Direct access to management

  • Career advancement opportunities

  • Employee recognition

  • Flexible Hours

    Work Hours:

  • 8am through 8pm, Monday through Saturday

    2 Days a Week – 3 Days a Week – Flexible Schedules!

    Job Requirements:

  • High School Diploma, College preferred

  • Collections Experience

  • Windows 7 or better (8 or better preferred) or macos 10.15 (Catalina) or higher

  • Call Center Experience

  • Strong work ethic

  • Good math, calculator and typing skills.

  • Strong Verbal & Written Communication Skills

  • Strong negotiation skills

  • Ability to work independently


  • 8am through 8pm, Monday through Saturday (flexible hours and days based on your schedule)

    Bilingual / Spanish Speaking a Plus


    Job Types: Full-time, Part-time

    Salary: $16.00 to $22.00 /hour


  • collections: 1 year (Required)


  • High school or equivalent (Required)

    Application Question:

  • Do You Live in the State of NY?

    Additional Compensation:

  • Commission

  • Bonuses

    Work Location:

  • Fully Remote


  • Health insurance

  • Dental insurance

  • Vision insurance

  • Retirement plan

  • Paid time off

  • Work from home

  • Flexible schedule

    This Job Is:

  • Open to applicants who do not have a college diploma

    Benefit Waiting period may Only full-time employees eligible

  • ×

    Debt Collector

    If you enjoy a fast paced work environment and interacting with team oriented people while providing exceptional customer service and are looking for a rewarding career, AAS may be the right place for you! We are an established debt buyer with over 20 years of experience in the collection industry. We are seeking experienced professional debt collectors that are self-motivated, trust-worthy and able to perform at the highest level. We offer commission based pay from home!

    Job Description:

  • Make outbound calls

  • Handle high volume of inbound calls

  • Skip trace effectively

  • Document accordingly

  • Schedule follow up appointments

    Education and Experience Requirements:

  • High School Diploma or equivalent

  • 1 year minimum experience collecting on charged off debt

  • Full knowledge of Fdcpa, state and federal laws

  • Advanced skip tracing techniques preferred

  • Exceptional listening and negotiation skills

  • Excellent verbal and written communication skills

  • Ability to multi-task during conversation

  • Proficiency in Excel, Word & Outlook

  • Professional appearance, demeanor and attitude

    Job Types: Full-time, Part-time, Contract, Commission

    Salary: $15.00 to $40.00 /hour


  • Negotiation: 1 year (Preferred)

  • Microsoft Word: 1 year (Preferred)

  • Communication Skills: 1 year (Preferred)

  • collections: 1 year (Required)


  • High school or equivalent (Preferred)


  • English (Required)

    Full Time Opportunity:

  • Yes

    Commission Only:

  • Yes

    Additional Compensation:

  • Commission

    Work Location:

  • Fully Remote


  • Work from home

    Typical start time:

  • 9AM

    Typical end time:

  • 6PM


  • Monday to Friday

  • Day shift

  • Night shift

  • 8 hour shift

    Company's website:

  • Yes
  • ×

    Debt Collector

    Complete our pre-screening process in just minutes!

    Text the code WFH to +1-[phone number] to apply

    (Please only once via text or via the traditional Indeed process)

    Capital Management Services is hiring 15-20 third party collectors to train and work from home! Due to social distancing, we have created this unique position where new hires will be given the opportunity to not only train virtually but also work from the comfort of their own home!

    The collectors we will be hiring will be assisting customers with past due debt and coming up with solutions the get the amount due paid off. Therefore, helping improve their financial well being. CMS is fully compliant and follow all regulations on every call. With almost 20 years in the Buffalo area, it is safe to say CMS has the stability collectors are looking for. We are built for collectors, by collectors.

    The training for this client will begin on Monday April 20th!

  • Schedules will be Full Time and will be a mixture of morning and afternoon shifts. This client pays $12-14 per hour based off past collections experience, plus a great bonus structure. Are you making more at another agency? We might be able to match that!

    CMS will also offer an addition $1.50 per hour

  • to assist with the cost of internet service. Collectors must have internet service at home with a modem as well as a phone to use for calls (cell or land line.) We will supply the rest of the equipment! We are looking for Collectors only in the Buffalo area because once we are able to safely return to work, you will be working out of our office on South Ogden street in Buffalo. New hires will complete new hire paperwork in our office and also pick up equipment, therefore all hires Must be local.

    All interviews will be conducted through a video chat option such as Zoom, FaceTime or Skype. Also, all candidates must submit to a drug screen and background check. Submit your resume quickly as this class will fill up fast!!

    Job Type: Full-time

    Salary: $12.00 to $14.00 /hour


  • collections: 1 year (Preferred)

  • customer service: 1 year (Preferred)

    Additional Compensation:

  • Bonuses

  • Other forms

    Work Location:

  • One location

  • Fully Remote


  • Health insurance

  • Dental insurance

  • Vision insurance

  • Paid time off

  • Other

    Company's Facebook page:

  • Temporarily due to Covid-19
  • 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 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.

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    Frequently asked questions about Debt Collectors


    Who does a Debt Collector report to?

    Most Debt Collectors work on a team who reports to the Collections Managers, who oversee the entire collections department. They supervise the team of Debt Collectors and handle big picture items to ensure the company is running efficiently. 

    Collection Managers make sure their team is handling customer issues properly and resolve any customer complaints they about the Debt Collectors’ work performance. If a customer is being difficult on the phone, the Collections Manager takes over and resolves the issue. Collection Managers also decide if a Debt Collector can provide a customer with a discount or special offer.


    What makes a great Debt Collector?

    Great Debt Collectors must have positive and friendly attitudes to handle customers who are overwhelmed or stressed out about their financial situations. They should also be able to handle high-pressure situations and be empathetic to help calm down disgruntled customers. 

    Effective Debt Collectors must have great negotiation skills to work out payment plans and deadline dates that are convenient to the customer and get the overdue payment to the organization as soon as possible. They’re regularly sorting and filing different collection records, so organizational skills are important for ideal candidates. 


    Do Debt Collectors have different responsibilities in different industries?

    Debt Collectors usually work in collections agencies or for specific organizations sharing similar duties. They’re often expected to have knowledge of the specific organization they’re collecting debt for to help them better understand the customer’s issue and to provide them personalized advice. Many Debt Collectors work for organizations like hospitals, mortgage debt agencies and student loan debt agencies. 


    What's the difference between a Debt Collector and a Debt Buyer?

    Debt Collectors are third-party companies that collect money for other companies. Some Debt Collectors work directly for the specific organization they’re collecting payments for. Debt Buyers often purchase debt from a company and then come to collect the debt originally owed to that company. 

    Debt Buyers often contact customers and inform them that the payments are now due to them and will work with customers to arrange payment plans or to negotiate payment schedules. Debt Buyers are usually higher, senior level roles, while Debt Collectors are often entry-level positions.

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