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Bill and Account Collector  What They Do

Just the Facts


Locates and notifies customers of delinquent accounts by mail, telephone, or personal visit to solicit payment. Duties include receiving payment and posting amount to customer's account; preparing statements to credit department if customer fails to respond; initiating repossession proceedings or service disconnection; and keeping records of collection and status of accounts.

This career is part of the Business, Management and Administration cluster Business Finance and Accounting pathway.


A person in this career:

  • Arranges for debt repayment or establishes repayment schedules, based on customers' financial situations.
  • Locates and notifies customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
  • Advises customers of necessary actions and strategies for debt repayment.
  • Persuades customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
  • Confers with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.
  • Locates and monitors overdue accounts, using computers and a variety of automated systems.
  • Answers customer questions regarding problems with their accounts.
  • Records information about financial status of customers and status of collection efforts.
  • Traces delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
  • Sorts and files correspondence and performs miscellaneous clerical duties, such as answering correspondence and writing reports.

Insider Info

Dig into the details and check out what people in this job have to say about their work.



Working Conditions and Physical Demands

People who do this job report that:

  • You would often handle loads up to 10 lbs., sometimes up to 20 lbs. You might do a lot of walking or standing, or you might sit but use your arms and legs to control machines, equipment or tools.
  • Work in this occupation involves using your hands to hold, control, and feel objects more than one-third of the time
  • Work in this occupation requires being inside most of the time
  • Sound and noise levels are loud and distracting
  • Work in this occupation involves making repetitive motions more than one-third of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Regular working hours and limited travel

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Skip Tracer -- Locates hard-to-find people who owe money to a particular business or agency and makes arrangements to collect the past due payments. Once a repayment option is agreed upon, skip tracers then must follow up to ensure the payments are received. Depending o
  • Account Receivable Associate --
  • Account Resolution Analyst --
  • Collection Agent --
  • Delinquency Counselor --
  • Recovery Collector --