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Debt counselor skills for your resume and career

Updated January 8, 2025

2 min read

Below we've compiled a list of the most critical debt counselor skills. We ranked the top skills for debt counselors based on the percentage of resumes they appeared on. For example, 20.2% of debt counselor resumes contained outbound calls as a skill. Continue reading to find out what skills a debt counselor needs to be successful in the workplace.

15 debt counselor skills for your resume and career

1. Outbound Calls

An outbound call is made by the call center representative to the customers on behalf of the company. Such calls help increase sales and generate revenue for the organization.

Here's how debt counselors use outbound calls:

Documented incoming and outbound calls accordingly.
Make outbound calls to prospects that have called in for our service, but have not been assisted yet.

2. Inbound Calls

Here's how debt counselors use inbound calls:

Received inbound calls and internet leads from prospective clients seeking alternative methods of eliminating unsecured consumer and, business debt.
Received inbound calls nationwide to assist customers with debt management plans and strategies to alleviate heavy financial burdens.

3. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how debt counselors use customer service:

Provided exceptional customer service in addition to trouble shooting capabilities.
Recognized for providing fast and efficient customer service.

4. Delinquent Accounts

A delinquent account is an account wherein there are many past-due funds.

Here's how debt counselors use delinquent accounts:

Called individuals that had delinquent accounts owed to universities, and helped set the individuals up on repayment programs.
Work with customers with delinquent accounts, arrange payment options or recover merchandise covering a three hundred mile radius.

5. Payment Arrangements

Here's how debt counselors use payment arrangements:

Skipped traced and counseled consumers on calling and making payment arrangements when getting behind in their bills.
Offer and negotiate payment arrangements that will help resolve the borrower's financial obligation.

6. Credit Reports

Credit reports are statements that carry information about your credit affairs and current credit situation like loan payment history and credit accounts status. A credit report acts as history because it contains the record from the day you opened the account till your account balance. Potential lenders and creditors make use of credit reports and decide whether to offer you credit or not and under what conditions.

Here's how debt counselors use credit reports:

Monitored creditors credit reports daily to ensure proper characteristics that relate to credit worthiness.
Evaluate and interpret credit reports, counsel clients on their personal budget and provide a solution unique for each individual.

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7. FDCPA

Here's how debt counselors use fdcpa:

Maximized filing and procedural efficiency by collaboratively implementing FDCPA regulations, filing system and procedures.
Maintain security and confidentiality of company and client information, following FDCPA regulations.

8. Financial Solutions

Here's how debt counselors use financial solutions:

Plan First Financial Solutions generated calls to clients that are at least 3,000 dollars in debt.

9. Performance Objectives

Here's how debt counselors use performance objectives:

Achieve monthly targeted performance objectives for collections.
Achieved monthly targeted performance objectives Developed skip tracing abilities

10. Debt Management

Here's how debt counselors use debt management:

Counseled families effectively using information to determine eligibility for a debt management plan.
Trained newly hired counselors in policies and procedures regarding debt management services.

11. Federal Student Loans

Here's how debt counselors use federal student loans:

Performed collection activities as well as identifying account resolutions on debts resulting from non-payment of federal student loans.
Worked to collect on defaulted federal student loans under Department of Education contract.

12. Interest Rates

Here's how debt counselors use interest rates:

Calculated debt, reduced interest rates, debt counseling, closed money request, and scheduled start dates.
Applied variety of methods to reduce client's consolidated loans, interest rates and monthly payments.

13. Past Due Accounts

A credit card account in a bank or any other financial association that is past due in payment is called a past due account. Past due account holders are required to recompense their scheduled payments to the bank or their creditor. The more credit account holders are due, the more they are compelled by their lender to make the payment.

Here's how debt counselors use past due accounts:

Collect on past-due accounts, working with individuals facing financial hardship to develop payment plans.
Managed past due accounts* Advised customers on alternative payment plans* Created re-payment schedules* Maintained customer loyalty

14. Debt Settlement

Here's how debt counselors use debt settlement:

Created a new debt settlement division, to cross sell all potential debt clients and help clients qualify for home modification.
Determine whether the prospect is a qualified candidate for the debt settlement program and enroll client into the program.

15. Computer System

Here's how debt counselors use computer system:

Operated computer system and software: Microsoft Word, Excel, Power point.
Gather information needed and submit it in to our computer systems.

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What skills help Debt Counselors find jobs?

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List of debt counselor skills to add to your resume

The most important skills for a debt counselor resume and required skills for a debt counselor to have include:

Outbound Calls
Inbound Calls
Customer Service
Delinquent Accounts
Payment Arrangements
Credit Reports
FDCPA
Financial Solutions
Performance Objectives

Debt Management
Federal Student Loans
Interest Rates
Past Due Accounts
Debt Settlement
Computer System
Client Accounts
Overdue Accounts
Federal Laws

Collection Efforts
Customer Accounts
Cold Calls
ACA
Credit Card Debt
Account Resolution
Collection Agencies

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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