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Role Description

As a Debt Negotiator (Creditor Escalations), you’ll help clients regain control of their financial futures by negotiating directly with creditors and law firms to secure favorable settlements and resolve accounts with integrity and efficiency. The Debt Negotiator (Creditor Escalations) role centers on high-volume creditor negotiations conducted in accordance with the FDCPA (Fair Debt Collection Practices Act), with the goal of reaching settlements that are in the best interest of our clients.

You’ll manage client files, research account details, and maintain momentum by averaging about 4 hours of talk time and 20–30 outbound calls per day to keep accounts moving toward resolution. Every interaction requires proactive urgency and the use of proven negotiation practices to maximize client savings and close accounts effectively, accelerating their path toward financial stability.

Step into a role where you boldly advocate for clients seeking debt relief, leading each negotiation with confidence and a commitment to transforming lives. If you’re motivated by impactful conversations, fast-paced problem-solving, and seeing the results of your work every day, this is a role where you’ll thrive. This is a full-time remote role with an expected start date of 4/27/2026.

Responsibilities

• Negotiate client debts to completion by communicating client hardships, reviewing client savings to determine funds necessary to complete settlements, and obtaining a settlement that will halt legal action.
• Establish and maintain contact relationships with law firms.
• Analyze client portfolios to determine the best strategy to help clients achieve financial freedom as quickly as possible.
• Review client's banking account to determine funds necessary and available to execute the program.
• Responsible for achieving monthly KPIs set by management.
• Gather and submit required legal documentation for approval and payment of accounts.
• Liaise with law firms for client account data and document exchanges.
• Work with attorneys and paralegals to resolve accounts where the collection effort has been escalated to a law firm.
• Communicate with creditors via phone or email to get up-to-date information, including litigation information in service to provide client debt relief.
• Work with other members of the team to ensure efficient process.
• Manage confidential information/documents with a high level of discretion.
• Perform other duties as directed by manager(s).

Qualifications

• Bachelor's degree preferred, or relevant work experience.
• Experience working in a metrics based/goals driven environment preferred.
• Analytical mindset with a strong business acumen, professionalism, and communication skills.
• High energy, competitive, articulate, passionate, and motivated to provide best in class service for clients.
• Desire to work in a collaborative, team-oriented environment.
• Multi-tasker with great organizational skills.
• Ability to easily build rapport with clients and creditors.
• Computer competency and ability to work with a computer.
• Prior experience using a CRM platform (Salesforce preferred).
• Prioritize multiple tasks and projects simultaneously.
• Exceptional written and verbal communication skills.
• Punctuality expected, ready to report to work on a consistent basis.
• Attain and maintain high performance expectations on a monthly basis.
• Work in a fast-paced, high-volume setting.
• Use and navigate multiple computer systems with exceptional multi-tasking skills.
• Remain calm and professional during difficult discussions.
• Take constructive feedback.
• Available for full-time position, overtime eligible if classified non-exempt.

Compensation Information

Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for each position across the US. Within the range, individual pay is determined by work location, job-related skills, experience, and relevant education or training. This good faith pay range is provided in compliance with NYC law and the laws of other jurisdictions that may require a salary range in job postings. Base rate for this position starts at $19.81/hr ($41,204.80 annually). Role is eligible for performance-based bonuses which bring total average compensation to $80,000 annually. The top 25% of the team can make up to $90,000.

Benefits

• Generous Medical, Dental, and Vision Benefits.
• 401(k) with Company Match.
• Paid Holidays, Volunteer Time Off, Sick Days, and Vacation.
• 12 weeks Paid Parental Leave.
• Pre-tax Transit Benefits.
• No-Cost Life Insurance Benefits.
• Voluntary Benefits Options.
• ASPCA Pet Health Insurance Discount.
• Access to your earned wages at any time before payday.