Collections Specialist

State Collection Service Inc; Phoenix (AZ); Remote; USD 19,000 - 28,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

HRA / HSA options

401(k) with employer match

Paid time off

Wellness programs / gym reimbursement

Company equipment & support

Job summary

State Collection Service Inc is seeking Remote Collection Specialists to help individuals resolve medical and non‑medical accounts via inbound and outbound calls. You will explain balances, offer payment options, and negotiate arrangements to reach resolutions.

This remote-first role requires strict compliance with FDCPA, FCRA, and HIPAA, and a private home workspace. You will collaborate with teammates while contributing to accurate documentation and performance goals.

Qualifications

• At least 1 year in collections, call center, or customer service.
• Strong communication, negotiation, and problem‑solving skills.
• Ability to enter and maintain information across multiple computer systems.

Responsibilities

• Handle inbound and outbound calls to help resolve medical and non‑medical accounts.
• Explain account balances, payment options, and resolution opportunities clearly.
• Use negotiation to establish payment arrangements and achieve resolutions.
• Research account information and respond to questions promptly and professionally.
• Maintain accurate account documentation in company and client systems.
• Follow FDCPA, FCRA, HIPAA, and other collection laws.

Skills

Collections experience

Communication skills

Negotiation

Problem solving

Multi-system data entry

Independence with teamwork

Evening/Saturday availability

Bilingual (a plus)

Job description

Description

Join the GREAT STATE TEAM!

State Collection Service is seeking motivated, customer-focused individuals to join our growing team of Remote Collection Specialists (Account Resolution Representatives)!

In this role, you'll assist individuals with resolving outstanding medical and non‑medical accounts through inbound and outbound calls. You'll use your communication, negotiation, and problem‑solving skills to help individuals understand their account balances, explore payment options, and work toward successful account resolution.

If you enjoy helping others, finding solutions, and working in a collaborative, fast‑paced environment, we'd love to hear from you!

What You'll Do:

• Handle inbound and outbound calls to assist individuals with resolving outstanding medical and non‑medical accounts.
• Communicate account balances, payment options, and available resolution opportunities clearly and professionally.
• Utilize negotiation and customer service skills to establish payment arrangements and achieve successful account resolutions.
• Research account information and respond to questions or concerns in a timely and professional manner.
• Maintain accurate and detailed account documentation in company and client systems.
• Follow applicable regulations, including FDCPA, FCRA, HIPAA, and other relevant collection laws.
• Collaborate with supervisors and team members to meet individual and team performance expectations.

Qualifications, Skills & Experience:

• At least one year of collections, call center, or customer service experience preferred.
• Strong communication, negotiation, and problem‑solving skills.
• Ability to accurately enter and maintain information across multiple computer systems.
• Strong organizational skills with the ability to manage multiple tasks simultaneously.
• Comfortable working in a fast‑paced, performance‑driven environment.
• Ability to work independently while contributing to a collaborative remote team.
• Flexibility to work scheduled evenings and Saturdays as business needs require.
• Bilingual skills are a plus.

Learn More About This Opportunity!

Want to know what it's like to be a Collection Specialist at State Collection Service? Learn more about the position and what you can expect as part of the GREAT STATE TEAM! 3rd Party Collections Representatives: Role Overview

As a remote‑first position, this role has specific technical and workspace requirements. Please review the following expectations carefully before applying.

Internet Requirements:

This remote position requires a secure, reliable, private, password‑protected home internet connection.

The following requirements must be met before starting employment and maintained throughout employment:

• Accepted Internet Services: Broadband cable or fiber internet that meets minimum connectivity requirements.
• Prohibited Internet Services: DSL, dial‑up, mobile hotspots, public Wi‑Fi, and T‑Mobile 5G Home Internet.
• Hardwired Connection: A direct Ethernet connection from the computer to the router is required. Wi‑Fi connections are not permitted.
• Minimum Internet Speeds: 40 Mbps download and 5 Mbps upload.
• Connection Stability: Internet service must reliably support company systems, applications, and virtual collaboration tools.

Candidates who do not currently meet these requirements must be able to obtain qualifying internet service before their start date.

Internet‑related expenses and applicable reimbursements are handled in accordance with company policy and state law.

Remote Workspace Requirements:

This position requires a private, distraction‑free workspace that protects confidential information and supports compliance with HIPAA requirements. Employees must be able to perform their job responsibilities without interruptions during scheduled work hours.

Camera & Virtual Collaboration Requirements:

This remote position requires active participation in a virtual collaboration platform during training and scheduled work hours.

• Camera Visibility: Employees must remain visible on camera during training and scheduled work hours, excluding designated breaks, meal periods, and other authorized exceptions.
• Microphone Availability: Employees must maintain microphone availability and be prepared to unmute when required for work‑related communication.
• Virtual Collaboration: Employees must actively participate in the virtual collaboration platform and remain accessible and responsive to supervisors and team members throughout scheduled work hours.

These requirements are ongoing expectations of the position, subject to reasonable accommodations and other exceptions required by applicable law.

Compensation & Commission Opportunities:

• Collection Specialists: Starting at $17.00/hour, plus monthly commission opportunities.
• Bilingual Collection Specialists: Starting at $19.00/hour, plus monthly commission opportunities.
• Guaranteed Bonus: $500 per month for the first 90 days of employment.

Work Schedule:

This position follows a structured schedule that includes regular daytime hours, rotating evening shifts, and one Saturday per month.

• Monday–Thursday: Three shifts from 8:00 AM–5:00 PM and one evening shift from 11:00 AM–8:00 PM.
• Friday: 8:00 AM–5:00 PM, with one closing shift per month from 10:00 AM–7:00 PM.
• Saturday: One Saturday per month from 9:00 AM–1:00 PM.

All times are Central Time (CT). Hours may vary based on business needs and daylight saving time.

Benefits & Perks:

State Collection Service offers a comprehensive benefits package designed to support our employees and their families, including:

• Medical, dental, and vision insurance
• Employer‑funded Health Reimbursement Arrangement (HRA)
• Health Savings Account (HSA) and Flexible Spending Account (FSA) options
• Life and disability insurance
• 401(k) with employer match
• Paid time off beginning at 90 days
• Seven paid holidays
• Annual profit‑sharing opportunities
• Wellness programs and gym reimbursement
• Family‑friendly company events
• Company‑provided equipment and technical support

* Benefits eligibility is dependent upon FTE Status and Position

*All offers of employment are contingent upon successful completion of all post offer processing.

State Collection Service is an Equal Opportunity Employer. All qualified applicants will be considered for employment regardless of age, race, color, creed, religion, sex, sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law. Applicants requiring reasonable accommodation in the application or interview process should notify State Collection Service at 800.477.7474

Remote workers must be based in the United States and must reside in one of the following states: AZ, NV, ID, MT, OH, TX, OK, KS, LA, AR, MO, IL, IA, MN, WI, MI, IN, KY, TN, PA, MS, AL, GA, FL, NC, SC, MD, NM