Job Summary
The Debt Collector is responsible for contacting consumers regarding past due accounts, negotiating repayment arrangements, and documenting all account activity accurately within our CRM. This role requires strict adherence to federal and state collection regulations, a professional and respectful communication style, and the ability to meet productivity and recovery targets in a fast-paced environment.
Responsibilities
- Contact consumers via phone, and approved SMS/written channels, to collect on past due accounts assigned to your queue
- Review account histories and verify balances prior to contact
- Negotiate payment in full, payment plans, and settlements within approved authority limits
- Accurately document every contact attempt, conversation outcome, and payment arrangement in the CRM
- Process payments and set up recurring payment plans per company procedure
- Identify and escalate disputes, cease and desist requests, bankruptcy notices, and attorney representation to the appropriate internal contact immediately
- Maintain strict compliance with FDCPA, Reg F, TCPA, and applicable state collection laws on every call and message
- Meet or exceed individual recovery and productivity targets set by management
- Participate in ongoing compliance training and call quality review sessions
- Maintain professionalism and de-escalate difficult consumer interactions
Compliance Requirements
- Understanding of permissible call times, contact frequency limits, and required disclosures under FDCPA and Reg F
- Adherence to all call recording and monitoring policies for QA purposes
Qualifications
- High school diploma or equivalent required; some college preferred
- Prior collections, call center, sales, or customer service experience preferred but not required
- Comfortable working in a metrics-driven environment
- Strong verbal communication and active listening skills
- Basic computer proficiency; ability to learn CRM and dialer systems quickly
- Ability to remain calm and professional under pressure
Preferred Qualifications
- Prior experience with FDCPA/Reg F compliant collection practices
- Bilingual (Spanish/English) a plus
- Experience with Salesforce, dialer platforms (e.g. Twilio, 3CX), or similar CRM/telephony tools
Compensation & Benefits
- hourly rate + commission on recovered accounts
- 1099 contractor options available
Pay: $17.00 - $23.00 per hour
Benefits:
- Dental insurance
- Health insurance
- Paid time off
People with a criminal record are encouraged to apply
Work Location: In person
