3rd Party Debt Collections Representative

Job Description

Job Description

Debt Collections Representative – Hourly Pay + Unlimited Monthly Bonuses

Buffalo, NY

CMS is hiring Full-Time Debt Collections Representatives to join our growing team in Buffalo. In this role, you will work in a third-party collections environment , partnering with customers to resolve past-due accounts through respectful, compliant, and solution-focused conversations .

As a third-party agency, we represent a variety of clients, giving you exposure to different account types and helping you build valuable collections and negotiation skills.

With over 20 years of success in the Buffalo area, CMS offers the stability, support, and earning potential collectors are looking for. This is a great opportunity for both experienced collectors and motivated candidates looking to start a career in collections.

Start your new career with fully paid, hands-on training -no prior collections experience required.

• Handle inbound and outbound calls for third-party client accounts
• Work with customers to create realistic and manageable payment solutions
• Maintain strict compliance with FDCPA and all applicable regulations
• Accurately document account activity and payment arrangements
• Meet or exceed performance and quality goals

• Training Start Date: May 18th, 2026
• Training Schedule: Monday–Friday, 9:00 AM – 5:00 PM
• Duration: 2 weeks (fully paid)
• After Training: Full-time schedule with a mix of morning and afternoon shifts

• $17.00/hour – Associate's degree or higher
• $16.00/hour – No secondary education
• Unlimited monthly bonus opportunities (top performers earn significantly more)
• $150 sign-on bonus after 60 days

• Medical, Dental, and Vision Insurance
• 401(k) with company participation
• Paid Time Off (PTO)
• Fully paid training
• Stable, long-term career opportunity

• Strong communication and negotiation skills
• Professional and confident phone presence
• Ability to remain empathetic, respectful, and compliant on every call
• Collections or call center experience preferred, but not required

• Established, reputable company with 20+ years in Buffalo
• Built by collectors, for collectors
• Supportive team environment with growth potential
• Uncapped earning potential through bonuses

Secure your spot in our October 26 th paid training class -positions are limited!

#ZR