Collection Representative

Uncapped Earnings | Performance-Driven | Career Growth

Are you competitive, goal-oriented, and motivated by unlimited earning potential? Do you thrive in roles where your effort directly impacts your paycheck? If so, this is the opportunity you’ve been looking for.

Join our growing Collection Team, where top performers are rewarded, income is uncapped, and your ability to negotiate, build rapport, and close resolutions can translate into six-figure earnings. This role offers a clear path to high income while allowing you to help consumers resolve outstanding balances with dignity, respect, and professionalism. As a Collection Representative, you'll work directly with consumers who have past-due medical balances, guiding them toward practical, mutually beneficial payment solutions.

Why Join Us?

This is a true performance opportunity for individuals who want control over their income, a clear path to success, and a professional environment that rewards effort and results.

If you’re ready to work hard, earn big, and grow your career—we want to hear from you.

What You’ll Do:

• Handle high-volume outbound and inbound calls with professionalism and confidence
• Negotiate payment arrangements that meet both consumer needs and company goals
• Consistently meet and exceed performance metrics (quality, compliance, collections)
• Maintain accurate documentation and follow all required laws and standards
• Build trust quickly through active listening, empathy, and strong communication.

Who Succeeds in This Role

Top collectors tend to be:

• Highly driven and money-motivated
• Reliable and successful working a structured, full-time Mon-Fri schedule
• Comfortable on the phone and energized by frequent conversations
• Resilient, persistent, and confident handling objections
• Empathetic negotiators who can balance firmness with professionalism

If you enjoy being measured by results—and rewarded for them—you’ll thrive here.

Compensation & Earning Potential

We offer a clear, progressive compensation path designed to reward performance:

Training Period

• $20/hour during virtual training led by industry experts
• Learn systems, compliance, call strategy, and negotiation fundamentals

Following Training

• Transition to $17/hour plus bonus/commission opportunity
• Designed so strong performers earn more than their initial hourly rate
• Provides stability with significant upside

Work Location & Schedule

• Remote or in-office (Marshfield, WI)
• Remote employees must have a private, dedicated office space
• Monday–Friday, full-time:
  • 8:00 AM – 5:00 PM CST / 9:00 AM – 6:00 PM ET
• Commission schedule includes:
  • Two evening shifts per week (until 7:00 PM CST)
  • Every other Friday off

Additional schedule options, including later evenings and Saturdays, may become available in 2026.

Benefits & Perks

• Paid medical insurance with personalized plan selection assistance
• Company provided Short-Term Disability, and basic Life Insurance
• Optional Dental, Vision, Long-Term Disability, and additional Life Insurance
• Generous PTO (3 weeks annually, increases with tenure) plus holidays and make-up time
• 401(k) with the option to deposit annual discretionary bonus
• Company-provided equipment
• Access Perks employee discount program (retail, travel, food, entertainment)

Essential Duties and Responsibilities:

• Accomplishes minimum requirements for KPIs including call quality scores monthly and minimum fees.
• Contacts consumer regarding past due balance and negotiates payment terms and methods within guidelines. Overcomes common objections, practices how to overcome more challenging ones. Suggests money sources for debt payment.
• Updates account notes and other documentation in real time while working with consumers making few errors.
• Handles high volume of inbound consumer calls while on dialer and places outbound calls.
• Effectively uses scripts/verbatims and navigates within guidelines to maximize potential recovery on each call.
• Ensures legal (i.e. FDCPA, state and other) compliance requirements are followed.
• Learns and operates with proficiency within the systems and programs used for collections

Requirements

• Able to communicate clearly, both verbally and in writing, and utilize proper grammar and telephone etiquette and provided electronic tools.
• Able to navigate multiple computer applications and databases.
• Able to multitask and can communicate on the phone and navigate multiple computer systems simultaneously.
• Able to overcome objections and obstacles to negotiate payment successfully.
• Reliable and responsible. Arrives on time and uses time productively.
• Possesses and demonstrates professional judgement.
• Understands sensitive personal information (SPI) and sensitive consumer information (i.e. Protected Health Information (PHI)) while maintaining the confidentiality of this information.
• Able to use tools provided to compute basic math calculations using addition, subtraction, multiplication, division, and percentages.
• Self-motivation and committed to career success.
• Willingness and ability to obtain Professional Collections Specialist (PCS) certification within one year of date of hire (paid for by company).
• High School Diploma or equivalent (i.e., GED) required.
• Ability to successfully complete company collector training program.
• Clear initial and annual criminal and background check.

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