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Occupation Details

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Debt Collector

Job Zone

Education
Most occupations in this zone require job specific training (vocational training) related to the occupation (NFQ Levels 5 and 6 or higher), related on-the-job experience, or a relevant professional award.

Related Experience
Previous work-related skill, knowledge, or experience is required for these occupations. For example, electricians typically complete four years of training in order to perform the job.

Job Training
Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognised apprenticeship program may be associated with these occupations.

Job Zone Examples
These occupations usually involve using communication and organisational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include restaurant managers, electricians, agricultural technicians, legal secretaries, hairdressers, and web developers.

€25k > 45 
Debt Collector
Salary Range
(thousands per year)*
€25 - 45 
Related Information:
Entrants: 25 - 36k
Top Earners: Over 45k
Data Source(s):
FAS

Last Updated: March, 2013

* The lower figures typically reflect starting salaries. Higher salaries are awarded to those with greater experience and responsibility. Positions in Dublin sometimes command higher salaries.
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At a Glance... header image

Individuals or companies who are owed money employ debt collectors as an appointed agent.


The Work header image

Consumer debt collection nowadays makes up the majority of the workload of a debt collector. This involves collecting money from members of the public who have not paid debts such as mail order catalogue repayments or credit card bills.  
 
In the case of personal debt, a debt collector contacts the debtor in writing or by telephone to ask for the debt to be settled. They may, at this stage, listen to the reasons for non-payment and offer appropriate advice based on the debtor's circumstances. For example, alternative methods of payment might be suggested. Debt collectors always try to reach a settlement with the debtor that is also acceptable to the creditor.  
 
A field debt collector visits the customer's home if payment is not received. Only as a last resort does a debt collector start legal proceedings. At this stage a bailiff may be employed by a creditor to seize a debtor's goods or assets.  
 
In commercial debt collection large amounts of money can be owed. A debt collector contacts the company by letter or telephone. If there is no response they threaten legal action and if the company still does not pay, legal proceedings start.  
 
Debt collectors can specialise in international work. Foreign debt collection companies and legal professionals may be contracted to assist with this. Other debt collectors may specialise as trace agents looking for debtors who have vanished. Debt collectors may also serve and summons High Court writs.

 


Personal Qualitiesheader image

As a debt collector you should be patient but assertive. You must be able to remain calm, tactful and understanding in relatively distressing situations. The work demands excellent negotiation skills since debt collectors must discuss with the debtor and creditor how the debt can be settled.  
 
You would need to keep accurate records of all correspondence with debtors. These are stored on computer, so it is helpful if you have keyboard skills and some knowledge of computers. Some mathematical ability is necessary for calculating how much the debtor could pay.


Related Occupationsheader image

Contactsheader image

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Organisation: Irish Institute of Credit Management
  Address: 17 Kildare Street, Dublin 2
  Tel: (01) 609 9445
  Email: Click here
  Url Click here

 

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Career Guidance

This occupation is popular with people who have the following Career Interests...


...and for people who like working in the following Career Sectors:

Accountancy & Taxation
Banking, Insurance & Financial Services

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