3rd Party Debt Collections Representative

Capital Management Services; Buffalo (NY); On-site; USD 25,000 - 34,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) Plan

PTO

Paid Training

Stable Career

Job summary

Capital Management Services in Buffalo, NY, is hiring Full-Time Debt Collections Representatives to join a third-party environment. You will handle inbound and outbound calls, work with customers to establish realistic payment plans, and ensure compliance with FDCPA while documenting activities. Training is provided and bonuses are uncapped.

The position offers an 18.00 USD per hour base pay, fully paid training, PTO, and a path to a long-term career in a supportive, team-oriented environment.

Qualifications

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

Responsibilities

• Handle inbound and outbound calls for third-party client accounts.
• Create realistic and manageable payment solutions with customers.
• Maintain strict 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 and compliance

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 September 21, 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: September 21, 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

• $18.00/hour - Starting Base Pay
• 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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