Log In

Log In to Save

Sign Up to Save

Sign Up to Dismiss


The email and password you specified are invalid. Please, try again.

Email and password are mandatory

Forgot Password?

Don't have an account? Sign Up

reset password

Enter your email address and we will send you a link to reset your password.

Back to Log In

Become A Bill Collector

Where do you want to work?

To get started, tell us where you'd like to work.
Sorry, we can't find that. Please try a different city or state.

Working As A Bill Collector

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Documenting/Recording Information
  • Communicating with Persons Outside Organization
  • Deal with People

  • Unpleasant/Angry People

  • Mostly Sitting

  • Repetitive

  • $34,440

    Average Salary

What Does A Bill Collector Do

Bill and account collectors try to recover payment on overdue bills. They negotiate repayment plans with debtors and help them find solutions to make paying their overdue bills easier.


Bill and account collectors typically do the following:

  • Find consumers and businesses who have overdue bills
  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”
  • Inform debtors that they have an overdue bill and try to negotiate a payment
  • Explain the terms of sale or contract with the debtor, when necessary
  • Learn the reasons for the overdue bills, which can help with the negotiations
  • Offer credit advice or refer a consumer to a debt counselor, when appropriate

Bill and account collectors generally contact debtors by phone, although sometimes they do so by mail. They use computer systems to update contact information and record past collection attempts with a particular debtor. Keeping these records can help collectors with future negotiations.

The main job of bill and account collectors is finding a solution that is acceptable to the debtor and maximizes payment to the creditor. Listening to the debtor and paying attention to his or her concerns can help the collector negotiate a solution.

After the collector and debtor agree on a repayment plan, the collector continually checks to ensure that the debtor pays on time. If the debtor does not pay, the collector submits a statement to the creditor, who can take legal action. In extreme cases, this legal action may include taking back goods or disconnecting service.

Collectors must follow federal and state laws that govern debt collection. These laws require that collectors make sure they are talking with the debtor before announcing that the purpose of the call is to collect a debt. A collector also must give a statement, called “mini-Miranda,” which informs the account holder that they are speaking with a bill or debt collector.

Although many collectors work for third-party collection agencies, some work in-house for the original creditor, such as a credit-card company or a health care provider. The day-to-day activities of in-house collectors are generally the same as those of other collectors.

Collectors usually have goals they are expected to meet. Typically, these include calls per hour and success rates.

Show More

Show Less

How To Become A Bill Collector

Collectors usually must have a high school diploma. A few months of on-the-job training is common.


Most bill and account collectors are required to have a high school diploma, although some employers prefer applicants who have taken some college courses. Communication, accounting, and basic computer courses are examples of classes that are helpful for entering this occupation.


Collectors usually get 1 to 3 months of on-the-job training after being hired. Training includes learning the company’s policies and computer software and learning the laws for debt collection in the Fair Debt Collection Practices Act, as well as their state’s debt-collection regulations. Collectors also may be trained in negotiation techniques.

Important Qualities

Listening skills. Collectors must pay attention to what debtors say when trying to negotiate a repayment plan. Learning the particular situation of the debtors and how they fell into debt can help collectors suggest solutions.

Negotiating skills. The main aspects of a collector’s job are reconciling the differences between two parties (the debtor and the creditor) and offering a solution that is acceptable to both parties.

Speaking skills. Collectors must be able to speak to debtors to explain their choices and ensure that they fully understand what is being said.

Show More

Show Less

Bill Collector jobs

Add To My Jobs

Bill Collector Career Paths

Bill Collector
Billing Specialist Specialist
Account Manager
5 Yearsyrs
Billing Representative Accounts Receivable Specialist
Accounts Receivable Manager
6 Yearsyrs
Accounts Receivable Specialist Accounts Receivable Manager Office Manager
Administrative Manager
6 Yearsyrs
Collector Collections Specialist Billing Specialist
Billing Manager
7 Yearsyrs
Accounts Receivable Specialist Account Manager Billing Specialist
Billing Supervisor
6 Yearsyrs
Reimbursement Specialist Accounts Receivable Specialist Business Office Manager
Business Office Director
8 Yearsyrs
Collector Collections Representative Billing Specialist
Business Office Manager
8 Yearsyrs
Billing Manager Accounts Receivable Manager Collections Specialist
Collection Supervisor
5 Yearsyrs
Billing Representative Collections Specialist
Collections Manager
5 Yearsyrs
Data Entry Associate Accounts Payable Clerk Credit Analyst
Credit And Collection Manager
7 Yearsyrs
Collections Specialist Credit Analyst
Credit Manager
5 Yearsyrs
Reimbursement Specialist Case Manager Assistant Director
Director Of Admissions
7 Yearsyrs
Billing Specialist Home Health Aid Unit Secretary
Office Manager
5 Yearsyrs
Home Health Aid Service Coordinator Service Supervisor
Patient Services Manager
8 Yearsyrs
Collections Specialist Billing Specialist Practice Manager
Practice Administrator
10 Yearsyrs
Home Health Aid Night Auditor Front Office Manager
Revenue Manager
8 Yearsyrs
Billing Manager Office Administrator Accounts Receivable Specialist
Senior Accounts Receivable Specialist
7 Yearsyrs
Data Entry Associate Data Entry Specialist Loan Processor
Senior Loan Processor
6 Yearsyrs
Business Office Manager Office Administrator Customer Care Representative
Senior Representative
5 Yearsyrs
Show More

Bill Collector Demographics


  • Female

  • Male

  • Unknown



  • White

  • Hispanic or Latino

  • Asian

  • Unknown

  • Black or African American

Show More

Languages Spoken

  • Spanish

  • French

  • Italian

  • Portuguese

  • German

  • Carrier

  • Russian

  • Urdu

  • Tagalog

  • Chinese

  • Filipino

  • Georgian

  • Ilocano

  • Japanese

  • Dari

  • Hindi

  • Polish

  • Arabic

  • Mandarin

  • Thai

Show More

Bill Collector

Unfortunately we don’t have enough data for this section.

Bill Collector Education

Bill Collector

Unfortunately we don’t have enough data for this section.

Job type you want
Full Time
Part Time

Top Skills for A Bill Collector


Show More

Top Bill Collector Skills

  1. Insurance Companies
  2. Debt Repayment
  3. Customer Service
You can check out examples of real life uses of top skills on resumes here:
  • Facilitate maximum reimbursement for services provided, by collecting from insurance companies and patients.
  • Arranged for debt repayment or establish repayment schedules, based on customers' financial situations.
  • Processed and generated monthly commission payroll for billing, customer service and collection departments.
  • Recorded information about financial status of customers and status of collection efforts.
  • Adjusted medical claims and updated information on delinquent accounts.

Top Bill Collector Employers

Show More

Bill Collector Videos

Outrageous Calls From Debt Collectors ABC News

3 Reasons Why You Should Not Pay Your Debt

Bill Collector | Funny Moments