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Bill and Account Collector

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What They Do

Bill and Account Collectors Career Video

About This Career

Locates and notifies 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.

This career is part of the Finance cluster Banking Services pathway.

A person in this career:

  • Records information about financial status of customers and status of collection efforts.
  • Locates and monitors overdue accounts, using computers and a variety of automated systems.
  • Locates and notifies customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
  • Arranges for debt repayment or establishes repayment schedules, based on customers' financial situations.
  • Advises customers of necessary actions and strategies for debt repayment.
  • Answers customer questions regarding problems with their accounts.
  • Persuades customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
  • Confers with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.
  • Receives payments and posts amounts paid to customer accounts.
  • Traces delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.

Working Conditions and Physical Demands

People who do this job report that:

  • You would often handle loads up to 10 lbs., sometimes up to 20 lbs. You might do a lot of walking or standing, or you might sit but use your arms and legs to control machines, equipment or tools.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Regular working hours and limited travel

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Account Representative
  • Collector
  • Credit Clerk
  • Debt Collector
  • Patient Access Specialist
  • Patient Account Representative
  • Telephone Collector
  • Accounts Receivable Specialist (AR Specialist)
  • Collection Agent
  • Collection Specialist


  • Email Support

  • 1-800-GO-TO-XAP (1-800-468-6927)
    From outside the U.S., please call +1 (424) 750-3900


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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.