3rd Party Debt Collections Representative

Capital Management Services; Buffalo (NY); On-site; USD 22,000 - 23,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) with company participation

Paid Time Off (PTO)

Fully paid training

Stable, long-term career opportunity

Unlimited monthly bonuses

Job summary

Capital Management Services is seeking a full-time Debt Collections Representative in Buffalo, NY. You will handle inbound and outbound calls for third-party client accounts, negotiating payment solutions while maintaining FDCPA compliance.

Paid training starts soon, with an hourly wage and opportunities for unlimited monthly bonuses. This role offers a stable, long-term career path in a supportive team environment.

Qualifications

• Excellent communication and negotiation skills.
• Professional phone presence and customer-focused approach.
• Ability to stay empathetic, respectful, and compliant on calls.
• Experience in collections or call center preferred but not required.

Responsibilities

• Handle inbound and outbound calls for third-party client accounts.
• Work with customers to create realistic and manageable payment solutions.
• Maintain compliance with FDCPA and applicable regulations.
• Document account activity and payment arrangements accurately.
• Meet or exceed performance and quality goals.

Skills

Communication skills

Negotiation skills

Phone presence

Empathy & compliance

Education

Associate's degree or higher

Job description

Debt Collections Representative – Hourly Pay + Unlimited Monthly Bonuses

Buffalo, NY

CMS is hiring Full-Time Debt Collections Representatives to join our growing team in Buffalo. In this role, you will work in a third-party collections environment, partnering with customers to resolve past-due accounts through respectful, compliant, and solution-focused conversations.

As a third-party agency, we represent a variety of clients, giving you exposure to different account types and helping you build valuable collections and negotiation skills.

With over 20 years of success in the Buffalo area, CMS offers the stability, support, and earning potential collectors are looking for. This is a great opportunity for both experienced collectors and motivated candidates looking to start a career in collections.

Now Hiring – Paid Training Starts October 26, 2026

Start your new career with fully paid, hands-on training-no prior collections experience required.

What You'll Do

• Handle inbound and outbound calls for third-party client accounts
• Work with customers to create realistic and manageable payment solutions
• Maintain strict compliance with FDCPA and all applicable regulations
• Accurately document account activity and payment arrangements
• Meet or exceed performance and quality goals

Schedule & Training

• Training Start Date: May 18th, 2026
• Training Schedule: Monday–Friday, 9:00 AM – 5:00 PM
• Duration: 2 weeks (fully paid)
• After Training: Full-time schedule with a mix of morning and afternoon shifts

Pay & Bonus Structure

• $17.00/hour – Associate's degree or higher
• $16.00/hour – No secondary education
• Unlimited monthly bonus opportunities (top performers earn significantly more)
• $150 sign-on bonus after 60 days

Benefits

• Medical, Dental, and Vision Insurance
• 401(k) with company participation
• Paid Time Off (PTO)
• Fully paid training
• Stable, long-term career opportunity

Qualifications

• Strong communication and negotiation skills
• Professional and confident phone presence
• Ability to remain empathetic, respectful, and compliant on every call
• Collections or call center experience preferred, but not required

Why Join CMS?

• Established, reputable company with 20+ years in Buffalo
• Built by collectors, for collectors
• Supportive team environment with growth potential
• Uncapped earning potential through bonuses

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