Account Rep - Experienced

ARS National Services; Houston (TX); Remote; USD 45,000 - 50,000; Full time

Benefits offered by this job

Health insurance

401(k)

Paid holidays

Paid vacation & sick time

Job summary

ARS National Services in Texas seeks experienced collectors to handle high-volume consumer calls, assess situations, negotiate settlements, and document conversations accurately. Remote across Texas with a defined schedule, weekends off, and a monthly bonus program.

Starting pay includes a base plus bonus, with potential growth to about $4k–$4.5k per month after incentives; base hourly rates start around $19/hour, with higher rates for experienced collectors. Holidays and full benefits apply.

Qualifications

• Minimum 2 years of debt collections experience.
• Third-party collections experience preferred.
• Strong negotiation skills to secure settlements and payment arrangements.
• Must live in Texas; hybrid near Houston or remote from anywhere in Texas.

Responsibilities

• Handle high-volume inbound and outbound calls on consumer accounts.
• Assess each consumer’s situation and negotiate settlements and payment arrangements.
• Document every conversation accurately.
• Follow FDCPA and Regulation F requirements during interactions.
• Work on camera for the entire shift.

Skills

Debt collections

Negotiation

FDCPA knowledge

Regulation F

Spanish language (nice to have)

Education

High school diploma/GED

Job description

Remote — Anywhere in Texas| Full-Time | Weekends Off | Monthly Bonus

Class starts Tuesday, December 8, 2026. You must live in Texas. If you live within 25 miles of our Houston office, this role is hybrid.

Experienced in third-party collections? You already know the job. Now get the setup to match: work from home, a set schedule with weekends off, full benefits, and a monthly bonus that rewards your results.

What Experienced Collectors Earn Here

• First 6 months: average $4,000+/month total pay (base + bonus), about $23/hour
• At 1 year: average $4,500+/month, about $26/hour
• Starting base: $19/hour, based on your collections experience

These are historical averages, not a guarantee. Pay depends on your performance.

Why Collectors Make the Move to ARS

• A schedule that doesn’t change on you: Monday–Friday, 8AM–5PM, plus two evening shifts a week (11PM–8PM). You’ll know it weeks ahead, with no weekends.
• Holidays off, and paid: We’re closed on holidays including Thanksgiving, Black Friday, Christmas and the Fourth of July, and you’re paid for them right away.
• Remote across Texas, hybrid near Houston: If you live more than 25 miles from our Houston office, you’ll work fully from home with no commute, and we supply your computer equipment. If you live within 25 miles of our office at 15810 Park Ten Pl, Houston, TX 77084 - you’ll work a hybrid schedule.
• A compliance-first collection agency: We take the FDCPA and Regulation F seriously. You get clear guidance and support, so you can focus on resolving accounts the right way.
• Paid training: You’ll learn our systems, clients and processes.

The Benefits

• Health: medical, dental and vision insurance, HSA and FSA, and free confidential counseling through our employee assistance program.
• Financial security: 401(k), company-paid life and AD&D insurance, and disability insurance.
• Time off: 8 paid holidays, plus paid vacation and sick time (16 days a year for your first 3 years).
• Also: referral bonuses when you bring good people with you.

What You’ll Do

• Handle high-volume inbound and outbound calls on consumer accounts, including dialer calls.
• Assess each consumer’s situation and negotiate settlements and payment arrangements.
• Document every conversation accurately.
• Follow the consumer-protection rules which govern this work.
• Work on camera for your entire shift.

What We’re Looking For

• A minimum of 2 years of debt collections experience. Third-party collections experience is strongly preferred.
• A proven track record of hitting collection goals, with strong negotiation skills to secure settlements and payment arrangements
• Working knowledge of FDCPA and Regulation F.
• Brings empathy and professionalism to every call, including the challenging ones.
• High school diploma or GED.
• Reliable high-speed internet and a quiet, private workspace.
• Must live in Texas. Candidates within 25 miles of our Houston office (15810 Park Ten Place Houston, TX 77084) will work a hybrid schedule.
• Fluent in Spanish? That’s a plus!

DISCLAIMER: ARS is an equal employment opportunity employer and makes employment decisions, including but not limited to, hiring, firing, promotion, demotion, training, and/or compensation, on the basis of merit. Employment decisions are based on an individual’s qualifications as they relate to the job under consideration. The Company’s policy prohibits unlawful discrimination based on race, religious creed (which includes religious dress and grooming practices), color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex (which includes pregnancy, childbirth, breastfeeding, and related conditions), gender, gender identity, gender expression, age, sexual orientation, military or veteran status, or any other consideration made unlawful by federal, state or local laws, ordinances, or regulations. All such discrimination is unlawful.

ARS National Services. Be MORE.