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Become A Bill Collector

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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

  • $76,987

    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.

Duties

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  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”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.

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How To Become A Bill Collector

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

Education

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.

Training

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.

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Bill Collector Jobs

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Bill Collector Career Paths

Bill Collector
Collector Specialist Account Manager
Account Director
9 Yearsyrs
Billing Representative Accounts Receivable Specialist
Accounts Receivable Manager
6 Yearsyrs
Medical Collector Account Representative Billing Specialist
Business Office Manager
8 Yearsyrs
Service Representative Client Services Manager Client Manager
Client Account Manager
6 Yearsyrs
Collections/Accounts Receivable Loan Officer Senior Loan Processor
Client Relations Manager
6 Yearsyrs
Home Health Aid Service Representative Client Services Manager
Client Relationship Manager
7 Yearsyrs
Billing Representative Collections Specialist
Collections Manager
5 Yearsyrs
Debt Collector Account Representative Territory Sales Manager
Commercial Account Manager
8 Yearsyrs
Collections Specialist Collections Manager
Credit And Collection Manager
7 Yearsyrs
Collections Specialist Credit Analyst
Credit Manager
5 Yearsyrs
Account Specialist Sales Coordinator Director, Inside Sales
Lead Generator
5 Yearsyrs
Office Manager Account Manager
National Account Manager
8 Yearsyrs
Biller Office Manager
Office Manager Of Human Resources
7 Yearsyrs
Reimbursement Specialist Case Manager Operations Manager
Practice Manager
9 Yearsyrs
Accounts Receivable Specialist Accountant Account Manager
Regional Accounts Manager
8 Yearsyrs
Accounts Receivable Specialist Specialist Account Manager
Regional Sales Director
11 Yearsyrs
Biller Accounts Receivable Specialist Billing Manager
Revenue Manager
8 Yearsyrs
Office Manager General Manager Account Manager
Sales Account Manager
6 Yearsyrs
Collector Account Manager
Senior Account Manager
7 Yearsyrs
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Do you work as a Bill Collector?

Help others decide if this is a good career for them

Average Length of Employment
Billing Specialist 2.9 years
Bill Poster 2.5 years
Biller 2.4 years
Medical Collector 2.1 years
Collector 2.1 years
Claims Collector 2.0 years
Bill Collector 2.0 years
Debt Collector 1.9 years
Top Employers Before
Cashier 7.0%
Teller 4.6%
Collector 4.4%
Manager 2.3%
Supervisor 2.1%
Top Employers After
Collector 7.1%
Cashier 6.4%
Teller 3.9%
Manager 3.1%
Biller 2.6%

Do you work as a Bill Collector?

Bill Collector Demographics

Gender

Female

79.9%

Male

18.0%

Unknown

2.1%
Ethnicity

White

56.5%

Hispanic or Latino

22.8%

Black or African American

11.0%

Asian

6.3%

Unknown

3.4%
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Foreign Languages Spoken

Spanish

80.5%

French

3.0%

Russian

3.0%

Portuguese

2.4%

Carrier

1.8%

Urdu

0.6%

Chinese

0.6%

Mandarin

0.6%

German

0.6%

Georgian

0.6%

Hebrew

0.6%

Japanese

0.6%

Gujarati

0.6%

Dari

0.6%

Hindi

0.6%

Tagalog

0.6%

Polish

0.6%

Arabic

0.6%

Hmong

0.6%

Armenian

0.6%
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Bill Collector Education

Schools

University of Phoenix

23.4%

Delgado Community College

6.6%

Houston Community College

6.6%

All American Career College

5.5%

Ashford University

5.1%

Miami Dade College

5.1%

Grand Canyon University

4.7%

Strayer University

3.9%

American InterContinental University

3.9%

Kaplan University

3.9%

Capella University

3.5%

Ultimate Medical Academy - Clearwater

3.1%

The Academy

3.1%

Nassau Community College

3.1%

Southern New Hampshire University

3.1%

Remington College

3.1%

Liberty University

3.1%

Bryant and Stratton College

3.1%

Long Beach City College

3.1%

University of Missouri - Saint Louis

2.7%
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Majors

Business

24.1%

Health Care Administration

22.8%

Accounting

6.8%

Medical Assisting Services

6.7%

Nursing

5.4%

Criminal Justice

4.7%

Insurance

3.6%

Psychology

3.4%

General Studies

3.2%

Management

2.8%

Liberal Arts

2.5%

Computer Science

2.1%

Education

1.9%

Pharmacy

1.7%

Communication

1.6%

Social Work

1.3%

Legal Support Services

1.3%

Human Services

1.3%

Secretarial And Administrative Science

1.3%

Health/Medical Preparatory Programs

1.3%
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Degrees

Other

42.6%

Associate

18.9%

Bachelors

17.9%

Certificate

10.7%

Diploma

4.8%

Masters

4.1%

License

0.9%

Doctorate

0.2%
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Top Skills for A Bill Collector

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  1. Insurance Companies
  2. Payment Arrangements
  3. Debt
You can check out examples of real life uses of top skills on resumes here:
  • Generated billing statements for the secondary insurance companies, reported collection analysis to ensure proper collection procedures were being followed.
  • Established patients with payment arrangements or qualified them for financial assistance.
  • Used customer service skills to provide several services and payment plans to individuals in debt with major credit card companies.
  • Completed all documentation needed to secure payment on all collections Created new processes and systems for increasing customer service satisfaction.
  • Answer customer phone calls and enter information into computer

How Would You Rate Working As a Bill Collector?

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