Collection Representative (Remote-TX Residents)

Please note -- while this position is fully remote, candidates must be residents of Wisconsin, Kansas, Georgia, Oklahoma, Florida, Arkansas, Tennessee, Texas to be considered.

• 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 income growth, 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?

• If you enjoy being measured by results---and rewarded for them---you'll thrive here.

This is a performance-based role 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 reliably able to work a remote full-time day schedule with undistracted focus, allowing you to progress in your skill and related results and have a private home office space for your exclusive use only, this is a great role to consider.
• If you have great communication skill, are able to adeptly keyboard and type while on accounts with multiple screens at the same time as navigating complex conversations with consumers - we can train you for success.
• If you seek a sense of pride in working for a highly ethical company grounded in a friendly Midwestern culture where career growth from within and employee longevity is the norm (average tenure 6 years).

Why this role might NOT be for you?

• This is not a good fit for those looking for a secondary job, or who have other regular responsibilities requiring their attention during normal business hours.

Company policies prohibit the presence of others in the private home office used by employee during work hours, and company equipment must be secured from others access during non-working hours.

• Because our client's consumers rely on your/our reliability, the ability to plan and stick to a schedule is critical to success for our employees.

Unplanned variations from schedule are not able to be routinely accommodated and will typically lead to separation.

However, ample PTO and planned make up time is a benefit of this position.

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.

Top collector traits

• Highly driven and money-motivated.
• Reliable and successful working in a structured environment.
• Thrive on and enjoy phone time with consumers, strongly preferring that over desk work.
• Resilient, persistent, and confident handling objections.
• Empathetic negotiators who can balance firmness with professionalism.

Compensation, Earning Potential and Work Schedules

• Training Period
• $20/hour during virtual training led by industry experts. During this time scheduled hours are FT 8:00 AM -- 5:00 PM CST / 9:00 AM -- 6:00 PM ET.
• Following Training
• Upon completion of training, compensation transitions to $17.00 per hour plus a performance-based bonus/commission opportunity.

This compensation structure is designed to reward success, with employees who meet performance expectations positioned to earn above the initial training rate.

During this time scheduled hours remain FT 8:00 AM -- 5:00 PM CST / 9:00 AM -- 6:00 PM ET.

• Opportunity for highest commission occurs further into employment, when Collection Representatives consistently reach performance that exceeds expectations, at which time commission becomes the largest component of pay and Collection Representatives transition to a revised schedule which is Monday--Friday (FT):
• 8:00 AM -- 5:00 PM CST / 9:00 AM -- 6:00 PM ET w/ 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 accrued annually (which increases with tenure) plus holidays and make-up time).
• 401(k) with the option to deposit annual discretionary bonus if awarded.
• 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, ongoing and annual identity, criminal and background checks.
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