Debt Collections Representative - Uncapped Monthly Bonus

Capital Management Services, LP; 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 ($150 after 60 days)

Job summary

Capital Management Services, LP in Buffalo, NY is hiring a Debt Collections Representative for a full-time role. Start at $18 per hour with uncapped monthly commission and two weeks of paid, hands-on training.

You will work with clients on past-due accounts, communicating options and arranging payments while maintaining compliance with FDCPA and company policies. Join a team that values effective communication, professional phone presence, and disciplined documentation of all calls and

Qualifications

• Two weeks paid training included.
• Experience in collections or call center is welcome, not required.
• Must be able to meet performance and quality goals while following regulations such as FDCPA.

Responsibilities

• Handle inbound and outbound calls on debt collection accounts.
• Explain payment options and help customers set up payment arrangements.
• Document account activity and payment commitments accurately.
• Meet performance and quality goals while complying with FDCPA and regulations.

Skills

Phone skills

Communication

Negotiation

Documentation

Compliance

FDCPA

Job description

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

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