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Bill and Account Collectors
Locate and notify customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account, preparing statements to credit department if customer fails to respond, initiating repossession proceedings or service disconnection, and keeping records of collection and status of accounts.
Also Known As:
Account Representative
Accounts Receivable Specialist (AR Specialist)
Collection Agent
Collection Specialist
Collector
Debt Collector
Patient Access Specialist
Patient Account Representative
Telephone Collector
Wages
Annual wages for Bill and Account Collectors in United States
Job Outlook
Below Average
New job opportunities are less likely in the future
United States
2033 Projected Employment
177,800
-10% Change From 2023
Explore Bill and Account Collectors video
Tasks you might complete in a day.
- Confer with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.
- Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.
- Record information about financial status of customers and status of collection efforts.
- Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.
- Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.
- Answer customer questions regarding problems with their accounts.
- Locate and monitor overdue accounts, using computers and a variety of automated systems.
- Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
- Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
- Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.
- Negotiate credit extensions when necessary.
- Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.
- Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
- Perform various administrative functions for assigned accounts, such as recording address changes and purging the records of deceased customers.
- Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.
- Advise customers of necessary actions and strategies for debt repayment.
- Receive payments and post amounts paid to customer accounts.
- Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
Subject areas you may need to master.
- Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
- Design - Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
- Telecommunications - Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
- Communications and Media - Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
- Foreign Language - Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
- Fine Arts - Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
- Medicine and Dentistry - Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
- Philosophy and Theology - Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
- Personnel and Human Resources - Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.
- Psychology - Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
- Administrative - Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
- Therapy and Counseling - Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
- Sociology and Anthropology - Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
- Food Production - Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
- Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
- Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
- Engineering and Technology - Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
- Building and Construction - Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
- Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
- Administration and Management - Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
- History and Archeology - Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
- Biology - Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.
- Education and Training - Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
- English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
- Chemistry - Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
- Economics and Accounting - Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
- Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
- Mechanical - Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
- Physics - Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
- Public Safety and Security - Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
- Production and Processing - Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
- Transportation - Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
- Geography - Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.
Strengths you may need in this role.
- Active Listening - Listening to others, not interrupting, and asking good questions.
- Writing - Writing things for co-workers or customers.
- Troubleshooting - Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
- Operation and Control - Using equipment or systems.
- Learning Strategies - Using the best training or teaching strategies for learning new things.
- Operations Monitoring - Watching gauges, dials, or display screens to make sure a machine is working.
- Repairing - Repairing machines or systems using the right tools.
- Systems Evaluation - Measuring how well a system is working and how to improve it.
- Time Management - Managing your time and the time of other people.
- Management of Personnel Resources - Selecting and managing the best workers for a job.
- Persuasion - Talking people into changing their minds or their behavior.
- Critical Thinking - Thinking about the pros and cons of different ways to solve a problem.
- Equipment Selection - Deciding what kind of tools and equipment are needed to do a job.
- Programming - Writing computer programs.
- Coordination - Changing what is done based on other people's actions.
- Equipment Maintenance - Planning and doing the basic maintenance on equipment.
- Negotiation - Bringing people together to solve differences.
- Operations Analysis - Figuring out what a product or service needs to be able to do.
- Quality Control Analysis - Testing how well a product or service works.
- Judgment and Decision Making - Thinking about the pros and cons of different options and picking the best one.
- Social Perceptiveness - Understanding people's reactions.
- Instructing - Teaching people how to do something.
- Service Orientation - Looking for ways to help people.
- Complex Problem Solving - Noticing a problem and figuring out the best way to solve it.
- Active Learning - Figuring out how to use new ideas or things.
- Management of Material Resources - Managing equipment and materials.
- Management of Financial Resources - Making spending decisions and keeping track of what is spent.
- Technology Design - Making equipment and technology useful for customers.
- Installation - Installing equipment, machines, wiring, or computer programs.
- Mathematics - Using math to solve problems.
- Science - Using scientific rules and strategies to solve problems.
- Reading Comprehension - Reading work-related information.
- Speaking - Talking to others.
- Monitoring - Keeping track of how well people and/or groups are doing in order to make improvements.
- Systems Analysis - Figuring out how a system should work and how changes in the future will affect it.
- Multilimb Coordination - Using your arms and/or legs together while sitting, standing, or lying down.
- Oral Expression - Communicating by speaking.
- Originality - Creating new and original ideas.
- Problem Sensitivity - Noticing when problems happen.
- Stamina - Exercising for a long time without getting out of breath.
- Arm-Hand Steadiness - Keeping your arm or hand steady.
- Far Vision - Seeing details that are far away.
- Category Flexibility - Grouping things in different ways.
- Speech Recognition - Recognizing spoken words.
- Perceptual Speed - Quickly comparing groups of letters, numbers, pictures, or other things.
- Written Expression - Communicating by writing.
- Speech Clarity - Speaking clearly.
- Inductive Reasoning - Making general rules or coming up with answers from lots of detailed information.
- Trunk Strength - Using your lower back and stomach.
- Response Orientation - Quickly deciding if you should move your hand, foot, or other body part.
- Mathematical Reasoning - Choosing the right type of math to solve a problem.
- Dynamic Flexibility - Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
- Auditory Attention - Paying attention to one sound while there are other distracting sounds.
- Written Comprehension - Reading and understanding what is written.
- Spatial Orientation - Knowing where things are around you.
- Night Vision - Seeing at night or under low light.
- Manual Dexterity - Holding or moving items with your hands.
- Near Vision - Seeing details up close.
- Control Precision - Quickly changing the controls of a machine, car, truck or boat.
- Peripheral Vision - Seeing something to your side when your are looking ahead.
- Oral Comprehension - Listening and understanding what people say.
- Extent Flexibility - Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
- Number Facility - Adding, subtracting, multiplying, or dividing.
- Speed of Closure - Quickly knowing what you are looking at.
- Sound Localization - Noticing the direction that a sound came from.
- Selective Attention - Paying attention to something without being distracted.
- Explosive Strength - Jumping, sprinting, or throwing something.
- Wrist-Finger Speed - Making fast, simple, repeated movements of your fingers, hands, and wrists.
- Dynamic Strength - Exercising for a long time without your muscles getting tired.
- Visualization - Imagining how something will look after it is moved around or changed.
- Gross Body Coordination - Moving your arms, legs, and mid-section together while your whole body is moving.
- Glare Sensitivity - Seeing something even if there is a glare or very bright light.
- Gross Body Equilibrium - Keeping your balance or staying upright.
- Finger Dexterity - Putting together small parts with your fingers.
- Fluency of Ideas - Coming up with lots of ideas.
- Speed of Limb Movement - Quickly moving your arms and legs.
- Static Strength - Lifting, pushing, pulling, or carrying.
- Flexibility of Closure - Seeing hidden patterns.
- Visual Color Discrimination - Noticing the difference between colors, including shades and brightness.
- Information Ordering - Ordering or arranging things.
- Depth Perception - Deciding which thing is closer or farther away from you, or deciding how far away it is from you.
- Deductive Reasoning - Using rules to solve problems.
- Rate Control - Changing when and how fast you move based on how something else is moving.
- Reaction Time - Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
- Memorization - Remembering words, numbers, pictures, or steps.
- Time Sharing - Doing two or more things at the same time.
- Hearing Sensitivity - Telling the difference between sounds.
Average Education Attained
Highest level of education earned by people in this career.
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Content sourced from United States Department of Labor Employment and Training Administration ("DOLETA") and the Minnesota Department of Employment & Economic Development ("DEED")