All careersBusiness & finance

Bill & Account Collector

$47,030
median / year
$34,400 – $65,580
what most earn per year (10th–90th percentile)

What the job actually is

Contact people with overdue bills, arrange payment plans, and keep records of accounts and promises to pay.

You may also see this posted as: Collector, Debt Collector, Patient Access Specialist, Patient Account Representative, Account Representative, Accounts Receivable Specialist (AR Specialist).

Where you work

Call centers and offices

The hours

Full-time, some evening shifts

The day to day

What you'd actually spend time doing

  • Record information about financial status of customers and status of collection efforts.
  • Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
  • Locate and monitor overdue accounts, using computers and a variety of automated systems.
  • Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.
  • Advise customers of necessary actions and strategies for debt repayment.

Good fit if you like…

Conventional

organizing information, following systems, and getting details right

Enterprising

leading, persuading, selling, or turning an idea into action

Social

helping, teaching, caring for, or supporting other people

O*NET job zone 2 of 5

Some preparation—often a high school credential and on-the-job learning—is usually needed.

Work styles that matter most

DependabilityAttention to DetailSelf-ControlIntegrity

Software that shows up in the work

Examples employers report—not a checklist you must already know.

Microsoft ExcelMicrosoft Office softwareMicrosoft OutlookMicrosoft WordSAP softwareIntuit QuickBooks

By the numbers

May 2025 BLS wage & employment data · 2024–34 BLS employment projections.

Median pay
$47,030
per year
Hourly median
$22.61
per hour
What most earn
$34,400–$65,580
yearly, 10th to 90th percentile
Openings a year
~13,700
projected, 2024–34
Outlook to 2034
-10.5%
Declining
Working in the U.S.
158,830
people, nationwide

Openings a year counts new jobs plus the ones that open when people retire or move on — a truer picture of your odds than growth alone.

“Median” means half earn more and half earn less. Your city, employer, and years on the job move it a lot — that is what the 10th-to-90th range shows.

BLS estimates 0.2% of workers in this occupation are self-employed.

What it pays in your state

Statewide medians are a better starting point than the national number. Your city and experience still matter.

BLS state wage tables

How you get in

Typical starting education

High school / no degree

Training path: On-the-job training, paid.

Related work experience: None.

On-the-job training: Moderate-term on-the-job training.

License or certification

No license required to start in most places.

You can earn while you train. This field has a genuinely paid pathway in — an apprenticeship, a paid academy, or employer-funded training — so you draw a paycheck instead of taking on debt to learn it.

Check the path where you live

Licensing rules and available programs change by state. These federal tools take you to the current official listings.

What it takes

NegotiationPhone communicationRecordkeepingPatience

The honest take

Automated dialers and self-service payment are shrinking this one — a phone-and-negotiation job under real pressure.

Standard Occupational Classification 43-3011. Pay and employment from the BLS May 2025 OEWS survey; outlook and openings from the 2024–34 employment projections; job context from the Occupational Outlook Handbook; tasks, interests, work styles, software examples, and job zone from O*NET 30.3. See something off? Tell us.