Are you interested in having a desk job and are good on the phone? Do you have excellent communication skills and are essentially thick skinned? Then you might want to consider becoming a bill and account collector. Bill and account collectors are individuals who make calls to people who have past due accounts. Bill and account collectors are responsible for getting payment from people who owe money on various accounts. Clearly, you won’t be the most well liked individual, but if you can handle that, you’ll make a fine bill and account collector.
You’ll need a high school education or equivalent (GED. A number of companies will hire you without a college degree but you’ll have a competitive edge if you do. If you have an associate’s or bachelor’s degree in anything this is a plus because you should have good communication skills. If you have no college, then it is a good idea to pick come communication courses as well as finance courses. You need to be patient and persuasive as you’ll going to meet some pretty hostile people on the phone. Try to be understanding and work with individual to resolve the issue. Help them to get a plan to pay off the debt(s) in a timely and agreeable way.
Some college background really helps here because you could inadvertently say something on the phone that is illegal. You really need to know state and federal laws surrounding bill collecting. And, be aware that state laws vary from state to state. So, if you have experience working in one state and move to another, you may not be able to handle your conversation the same way in the new state. This could have serious repercussions legally. In other words, learn as much as you can about collection practices.
Bill and account collectors may get a base pay but then work off of commission and other companies pay by commission only. The more you learn about bill and account collection including schooling can help make you a lot of money. The more money you bring in, the more you earn.
Some companies require that you become certified by the American Collectors Association (ACA). To do this, you must have at least one year experience as a collector and be with your current employer for at least six months. The certification involves taking 2 seminars sponsored by the ACA and passing a written exam with a minimum score of 85. Companies in the U.S. have been massively hit with fines and judgments daily for violation of critical federal collection law regulations and guidelines. The seminars and exam are an attempt to guarantee that every collection you attempt to make is legal.
When you’re ready to find employment as a bill and account collector, check your local newspaper as well as the Internet (search for “billing” and/or “collection”). Look for collection agencies, banks and credit-reporting businesses. If you know ahead of time what company you would like to work for, find out if they require ACA certification. This certification can be taken online.