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Debt Collector Profile


This Section of the site details information that you might find useful if you are looking to secure employment or require further details regarding working as a Debt Collector. This page details the following Information:-

  • Finding Suitable Work as a Debt Collector
  • Working Duties Expected
  • Hours and Environment
  • Working Skills Required
  • Training Requirements
  • Salary Expectations
  • Trade Information
  • Other useful Debt Collector Work Information

Finding Suitable Work

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Working Duties Expected

Debt collectors, also known as collections representatives, arrange for the repayment of outstanding debts owed to companies or individuals. Contacting debtors by phone, in writing or in person, they ascertain how the debt arose and negotiate an affordable payment plan for recovery of the debt.

The work involves recovering individual or consumer debts, or acting on behalf of businesses owed money for services or products. Many businesses hand over unpaid debt problems to commercial debt collection firms to follow up. Legal action may be taken by debt collectors if persistent efforts to recover the debt fail. This would entail delivering by hand, or serving, warnings of legal action and other legal documents concerning debts.

Sometimes debts need to be traced and pursued abroad via overseas agencies and foreign debt collectors.

Hours and Environment

Debt collectors often work shifts and weekends to contact debtors who are working during the day. Part-time work is common.

Much of the work is based in offices or call centres, contacting people by phone or mail. Field collectors usually work from home, visiting customers at their home or business premises. A driving licence is needed for field collection work.

Skills and Interests

To be a debt collector, you should:

  • be interested in people, and be a good communicator both verbally and in writing
  • be persuasive and persistent, with the sensitivity to deal fairly with people in often difficult situations
  • be able to stay calm under pressure, and be adaptable in sometimes tricky situations
  • have strong negotiation skills and the ability to explain financial matters firmly and clearly
  • have mathematical ability to explain payments, financial terms and credit services
  • be able to understand relevant legislation concerning data protection and harassment
  • have office administration or IT skills.


There are no minimum qualifications required for this work, although most people have some GCSEs/S grades.

There is no upper age limit for entry into this field of work and maturity is considered an advantage. Some financial companies employ early-retired or retired people for this work.


On-the-job training and working towards qualifications awarded by the Institute of Credit Management (ICM), and the Credit Services Association (CSA), is the usual way new entrants are integrated into this field of work.

The ICM offers a Foundation Award in Credit Management, which is an introductory qualification; the Certificate in Credit Management covers credit management, accounting, business law and business environment; the Diploma in Credit Management covers advanced credit management, practical credit management, credit management law, and legal proceedings and insolvency. These can be studied part-time or by distance learning.

The CSA offers a Diploma in Credit Management accredited by City and Guilds, which takes four months to complete and covers debt collection, credit services, law, tracing techniques and commercial debt.


There are approximately 20,000 people employed in debt collection, and there are prospects for promotion into a supervisory or management post. Some move into credit management work on a broader scale.

Many debt collectors, particularly field collectors, are self-employed or work freelance.

Annual Income

Figures are intended as a guideline only.

Starting salaries are in the region of £9,000 a year.
Experienced staff can earn £20,000 to £25,000.
Senior and highly experienced staff may earn £30,000 a year, plus bonuses and commission on sales.

Further information

Institute of Credit Management
The Water Mill
Station Road
South Luffenham
LE15 8NB
Tel: 01780 722900

Credit Services Association
3 Albany Mews
Montagu Avenue
Newcastle upon Tyne
Tel: 0191 213 2509

Other Useful Debt Collector Work Information

We have a section available at this site on Debt Collector job interview tips that you may find of interest should you wish to brush up your skills in this area and we also have number of career articles that may also be of use to you from within our guides and documents section.

Locations where we feature Jobs include:-
Aberdeen, Berkshire, Aberdeen, Bath, Bedfordshire, Berkshire, Birmingham, Bradford, Bristol, Cambridgeshire, Cardiff, Central London, Cheltenham, Cornwall, Coventry, Derby, Devon, Docklands, Dorset, Dundee, Durham, East Midlands, East Sussex, Edinburgh, Essex, Glasgow, Gloucester, Hampshire, Hertfordshire, Kent, Lancashire, Leeds, Leicester, Leicestershire, Lincolnshire, Liverpool, London, Manchester, Middlesbrough, Midlands and in various parts of the West Midlands

Details of other Debt Collector Jobs can also be found in other UK wide areas including:-
Milton Keynes, Newcastle, Newcastle Upon Tyne, Norfolk, North London, North Midlands, Northampton, Northamptonshire, Northern Ireland, Northumberland, Norwich, Nottingham, Nottinghamshire, Oxford, Oxfordshire, Plymouth, Salisbury, Scotland, Sheffield, Shropshire, Somerset, South East, South London, South Midlands, Southampton, Staffordshire Surrey, Swansea, Swindon, Telford, Wales, Warwickshire, West End, West London, West Midlands, Worcestershire, York and throughout Yorkshire.

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