Bill and Account Collectors

Finance > Banking Services

Projected Growth: Decline

Projected Job Openings

Some Preparation Needed

Job Description

Your job is to 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.

Common job titles of Bill and Account Collectors include:

Experience and Education

Some previous work-related skill, knowledge, or experience is usually needed. For example, a teller would benefit from experience working directly with the public.

  • 48.15% said they needed a High School Diploma.

  • 27.37% said they needed a Some College Courses.


    Answer customer questions regarding problems with their accounts.

    Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.

    Advise customers of necessary actions and strategies for debt repayment.

    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.

    Locate and monitor overdue accounts, using computers and a variety of automated systems.

    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.

    Record information about financial status of customers and status of collection efforts.

    Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.

    Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.

    Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.

    Receive payments and post amounts paid to customer accounts.

    Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.

    Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.

    Negotiate credit extensions when necessary.



Predictive dialers

Personal digital assistants PDA

Laptop computers


Amplified telephones


MEDITECH software

Microsoft Dynamics GP

ADP Drive DMS for Accounting

ADS Advantage

Adtec Agency Manager

Austin Logistics CallSelect

Collection Data Systems CollectOne-Tiger

All Technologies

Columbia Ultimate Archive

Columbia Ultimate Remit

Columbia Ultimate RPCS

CU Connect processing software

Data-Tel Ceasar

Debt account management and collection software

Diagnostic and procedural coding software

Document management system software


Internet browser software


LexisNexis Banko

Medical procedure coding software

Ontario Systems FACS

Optical character recognition OCR software

Quantrax Intelec

Relational database software

System Innovators

TCI XML Credit Interface

W3 Data BatchAppend411


Active Listening

Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.


Talking to others to convey information effectively.

Social Perceptiveness

Being aware of others' reactions and understanding why they react as they do.


Persuading others to change their minds or behavior.


Communicating effectively in writing as appropriate for the needs of the audience.

Reading Comprehension

Understanding written sentences and paragraphs in work related documents.

Critical Thinking

Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.


Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.


Bringing others together and trying to reconcile differences.

Service Orientation

Actively looking for ways to help people.

Time Management

Managing one's own time and the time of others.


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Occupation Sections


English Language

Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.


Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

Economics and Accounting

Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

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.

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.


Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.

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