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Become A Collections Representative

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Working As A Collections Representative

  • 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

  • $32,000

    Average Salary

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  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”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

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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Collections Representative Jobs

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Collections Representative Career Paths

Collections Representative
Collections Specialist Accounts Receivable Specialist Accountant
Accountant And Office Manager
6 Yearsyrs
Account Representative Account Executive Account Manager
Senior Account Manager
7 Yearsyrs
Account Representative Account Executive Office Manager
Practice Manager
9 Yearsyrs
Account Representative Account Executive Branch Manager
Manager, Assistant Vice President
7 Yearsyrs
Collections Specialist Accounts Receivable Specialist Credit Analyst
Credit Manager
5 Yearsyrs
Representative Consultant Office Manager
Business Office Manager
7 Yearsyrs
Representative Consultant Account Manager
Sales Account Manager
6 Yearsyrs
Representative Consultant Assistant Manager
Center Manager
6 Yearsyrs
Service Representative Executive Assistant Office Manager
Accounts Receivable Manager
6 Yearsyrs
Service Representative Executive Assistant Account Manager
Client Services Manager
7 Yearsyrs
Service Representative Executive Assistant Property Manager
Portfolio Manager
7 Yearsyrs
Collections Specialist Team Leader Branch Manager
Relationship Manager
6 Yearsyrs
Certified Nursing Assistant Team Leader Customer Service Manager
Call Center Manager
6 Yearsyrs
Accounts Receivable Specialist Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Specialist Credit Analyst Credit Manager
Collections Manager
5 Yearsyrs
Specialist Team Leader Customer Service Manager
Inside Sales Manager
6 Yearsyrs
Billing Specialist Medical Coder Billing Manager
Revenue Manager
8 Yearsyrs
Certified Nursing Assistant Specialist Customer Service Supervisor
Collection Supervisor
5 Yearsyrs
Billing Specialist Medical Coder Billing Supervisor
Patient Account Manager
7 Yearsyrs
Accounts Payable Clerk Collections/Accounts Receivable Credit And Collections Analyst
Senior Collection Specialist
5 Yearsyrs
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Do you work as a Collections Representative?

Help others decide if this is a good career for them

Average Length of Employment
Recovery Collector 3.0 years
Customs Collector 2.7 years
Collector 2.2 years
Debt Collector 2.1 years
Collection Agent 1.7 years
Dialer 1.3 years
Top Careers Before Collections Representative
Cashier 14.6%
Collector 4.0%
Manager 2.4%
Server 2.0%
Teller 1.8%
Supervisor 1.6%
Top Careers After Collections Representative
Cashier 9.7%
Collector 4.5%
Manager 2.3%
Specialist 2.2%

Do you work as a Collections Representative?

Average Yearly Salary
$32,000
View Detailed Salary Report
$23,000
Min 10%
$32,000
Median 50%
$32,000
Median 50%
$32,000
Median 50%
$32,000
Median 50%
$32,000
Median 50%
$32,000
Median 50%
$32,000
Median 50%
$44,000
Max 90%
Best Paying Company
First Command Financial Services
Highest Paying City
Greenville, NC
Highest Paying State
Virginia
Avg Experience Level
2.3 years
How much does a Collections Representative make at top companies?
The national average salary for a Collections Representative in the United States is $32,044 per year or $15 per hour. Those in the bottom 10 percent make under $23,000 a year, and the top 10 percent make over $44,000.

How Would You Rate The Salary Of a Collections Representative?

Have you worked as a Collections Representative? Help other job seekers by rating your experience as a Collections Representative.

Top Skills for A Collections Representative

  1. Payment Arrangements
  2. Customer Service
  3. Customer Accounts
You can check out examples of real life uses of top skills on resumes here:
  • Provided assistance to account holders by assessing financial ability, offering payment arrangements or repayment programs, to cure delinquent accounts.
  • Provided customer service regarding collection issues, processed customer refunds and made account adjustments.
  • Organized and tracked subscribers accounts on a daily basis while providing payment alternatives, maintaining customer accounts through effective retention methods.
  • Discussed delinquent accounts with customers to establish payment arrangements.
  • Handled accounts billable and receivable, recorded billing information, and provided quality customer services for credit/debt repayment.

Collections Representative Resume Examples And Tips

The average resume reviewer spends between 5 to 7 seconds looking at a single resume, which leaves the average job applier with roughly six seconds to make a killer first impression. Thanks to this, a single typo or error on your resume can disqualify you right out of the gate. At Zippia, we went through over 31,487 Collections Representative resumes and compiled some information about how best to optimize them. Here are some suggestions based on what we found, divided by the individual sections of the resume itself.

Learn How To Create A Top Notch Collections Representative Resume

View Resume Examples

Collections Representative Demographics

Gender

Female

62.3%

Male

26.1%

Unknown

11.7%
Ethnicity

White

62.3%

Hispanic or Latino

17.1%

Black or African American

11.7%

Asian

5.8%

Unknown

3.2%
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Foreign Languages Spoken

Spanish

84.1%

French

4.4%

German

2.1%

Portuguese

1.2%

Arabic

1.1%

Hmong

0.8%

Tagalog

0.8%

Italian

0.8%

Mandarin

0.6%

Korean

0.6%

Dakota

0.6%

Japanese

0.6%

Vietnamese

0.5%

Chinese

0.5%

Polish

0.5%

Hebrew

0.3%

Russian

0.3%

Swedish

0.2%

Swahili

0.2%

Romanian

0.2%
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Collections Representative Education

Schools

University of Phoenix

32.0%

Ashford University

7.0%

Kaplan University

6.3%

Strayer University

5.7%

Florida State College at Jacksonville

5.5%

The Academy

3.9%

Columbus State Community College

3.7%

Bryant and Stratton College

3.5%

Tidewater Community College

3.0%

Erie Community College

2.9%

Norfolk State University

2.9%

Salt Lake Community College

2.9%

University of North Carolina at Greensboro

2.8%

American InterContinental University

2.7%

University of Texas at Arlington

2.6%

Southern New Hampshire University

2.6%

Liberty University

2.5%

Arizona State University

2.5%

Houston Community College

2.4%

Saint Louis Community College

2.3%
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Majors

Business

31.8%

Health Care Administration

8.4%

Accounting

6.9%

Criminal Justice

6.7%

Medical Assisting Services

5.9%

General Studies

4.7%

Nursing

4.6%

Psychology

4.1%

Communication

3.3%

Management

2.9%

Liberal Arts

2.4%

Finance

2.4%

Computer Science

2.2%

Cosmetology

2.2%

Education

2.2%

Legal Support Services

2.1%

Marketing

2.0%

Human Resources Management

1.9%

Human Services

1.8%

Computer Information Systems

1.5%
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Degrees

Other

39.1%

Bachelors

25.7%

Associate

19.2%

Certificate

6.8%

Masters

4.8%

Diploma

3.4%

License

0.8%

Doctorate

0.2%
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