Debt Collections Representative – Uncapped Monthly Bonus

Capital Management Services; Buffalo (NY); On-site; USD 20,000 - 29,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Paid time off

401(k) with company participation

Sign-on bonus after 60 days

Job summary

Capital Management Services in Buffalo, NY is hiring Debt Collections Representatives to work full-time in a fast-paced, performance-driven team. Start at $18 per hour and build income with an uncapped monthly commission tied to results.

You'll receive two weeks of paid, hands-on training before transitioning to a full-time schedule with morning and afternoon shifts. Compliance with FDCPA and client requirements is essential, along with strong communication skills.

Qualifications

• Experience in debt collections or call center is welcome.
• No prior collections experience required.
• Strong communication and listening skills essential.

Responsibilities

• Handle inbound and outbound calls for third-party accounts.
• Explain payment options and set up payment arrangements.
• Document account activity and commitments accurately.
• Meet performance and quality goals while complying with FDCPA and regulations.

Skills

Professional phone presence

Strong communication skills

Negotiation skills

Attention to detail

Job description

Debt Collections Representative – $18/hr + Uncapped Monthly Bonus

Full-time in Buffalo, NY | Paid training starts Monday, November 16, 2026

Capital Management Services (CMS) is hiring Debt Collections Representatives in Buffalo. Start at $18 per hour and earn uncapped monthly commission based on performance. Whether you're an experienced collector or bringing customer service skills to a new role, you'll get two weeks of paid, hands-on training.

At CMS, our collections team is built for collectors, by collectors. You'll work with customers on behalf of multiple clients to find manageable ways to resolve past-due accounts.

Pay & Benefits

• $18/hour starting pay plus uncapped monthly commission

• $150 sign-on bonus after 60 days

• Medical, dental, and vision insurance

• Paid time off and a 401(k) with company participation

What You'll Do

• Handle inbound and outbound calls on third-party collection accounts.

• Listen to customers, explain payment options, and help them set up manageable payment arrangements.

• Document account activity and payment commitments accurately.

• Meet performance and quality goals while following the FDCPA and applicable regulations.

What You'll Bring

• A professional phone presence and strong communication skills.

• The ability to listen, negotiate, and stay composed during sensitive conversations.

• Comfort working toward performance goals and documenting calls accurately.

Collections or call center experience is welcome. Prior collections experience isn't required.

Training & Schedule

• Start date - Monday, November 16, 2026

• Paid training - Two weeks, Monday through Friday, 9:00 AM–5:00 PM

• After training - Full-time schedule with a mix of morning and afternoon shifts