Debt Collection Agent

Role Overview

This position centers on contacting individuals with past-due accounts and guiding them toward a realistic resolution, using a mix of phone conversations, written correspondence, and electronic outreach. Your work directly affects cash flow recovery, so every conversation needs to balance firmness with professionalism while staying fully compliant with consumer protection laws. Expect a fast-paced environment where persistence, clear communication, and accurate record-keeping are just as important as the amount you recover.

Key Responsibilities

• Conduct high-volume outbound calls and send emails or letters to debtors regarding outstanding balances, leaving clear follow-up messages when necessary.
• Negotiate repayment plans, lump-sum settlements, or other mutually acceptable arrangements based on the debtor’s financial situation and account history.
• Perform skip tracing through databases, public records, and other permissible sources to locate debtors who have changed addresses, phone numbers, or employment.
• Ask targeted questions to verify a debtor’s income, assets, and monthly obligations so repayment options are realistic and sustainable.
• Log every phone call, promise to pay, dispute, and payment arrangement in the collection management system promptly and accurately.
• Escalate accounts that require legal review, bankruptcy handling, or special handling according to internal procedures.
• Respond to debtor inquiries and disputes with factual, professional explanations while documenting any requests for verification of the debt.
• Meet individual performance targets for call volume, contact rates, and monthly collection amounts without sacrificing quality or compliance.

Requirements & Qualifications

• High school diploma or equivalent required; an associate degree in business, finance, or a related field is preferred.
• Minimum of six months of prior experience in debt collection, call center sales, customer service, or a comparable role where negotiation and handling rejection are routine.
• Strong verbal communication and active-listening skills, with the ability to stay composed when speaking with frustrated or uncooperative individuals.
• Working knowledge of the Fair Debt Collection Practices Act (FDCPA) and other federal or state regulations that govern collection activity.
• Ability to navigate multiple computer systems, enter data efficiently, and maintain a high level of accuracy while under pressure.
• Comfort with a target-driven environment, including the resilience to handle frequent refusals and still make the next call with a professional tone.
• Basic math skills for calculating interest, balances, and payment plan terms during live conversations.

What We Offer / Why Join

You will receive an hourly base wage that provides steady income, with additional commission or bonus opportunities tied to your performance. Successful collectors who stay organized and keep a consistent work ethic can see their earnings grow substantially beyond the base, making this a strong fit for someone motivated by measurable results.