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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. 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.

HOUR

OverviewAs 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 7/27/2026.Responsibilities<ul><li>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</li><li>Establish and maintain contact relationships with law firms</li><li>Analyze client portfolios to determine the best strategy to help clients achieve financial freedom as quickly as possible</li><li>Review client''s banking account to determine funds necessary and available to execute the program</li><li>Responsible for achieving monthly KPIs set by management</li><li>Gather and submit required legal documentation for approval and payment of accounts</li><li>Liaise with law firms for client account data and document exchanges</li><li>Work with attorneys and paralegals to resolve accounts where the collection effort has been escalated to a law firm</li><li>Communicate with creditors via phone or email to get up-to-date information, including litigation information in service to provide client debt relief</li><li>Work with other members of the team to ensure efficient process</li><li>Manage confidential information/documents with a high level of discretion</li><li>Perform other duties as directed by manager(s)</li></ul>Qualifications<ul><li>Bachelor''s degree preferred, or relevant work experience</li><li>Experience working in a metrics based/goals driven environment preferred</li><li>Analytical mindset with a strong business acumen, professionalism, and communication skills</li><li>High energy, competitive, articulate, passionate, and motivated to provide best in class service for clients</li><li>Desire to work in a collaborative, team-oriented environment</li><li>Multi-tasker with great organizational skills</li><li>Ability to easily build rapport with clients and creditors</li></ul>National Debt Relief Role Qualifications:<ul><li>Computer competency and ability to work with a computer</li><li>Prior experience using a CRM platform (Salesforce preferred)</li><li>Prioritize multiple tasks and projects simultaneously</li><li>Exceptional written and verbal communication skills</li><li>Punctuality expected, ready to report to work on a consistent basis</li><li>Attain and maintain high performance expectations on a monthly basis</li><li>Work in a fast-paced, high-volume setting</li><li>Use and navigate multiple computer systems with exceptional multi-tasking skills</li><li>Remain calm and professional during difficult discussions</li><li>Take constructive feedback</li><li>Available for full-time position, overtime eligible if classified non-exempt</li></ul>Compensation InformationOur 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.About National Debt ReliefNational Debt Relief was founded in 2009 with the goal of helping an expanding number of consumers deal with overwhelming debt. We are one of the most-trusted and best-rated consumer debt relief providers in the United States. As a leading debt settlement organization, we have helped over 450,000 people settle over $10 billion of debt, while empowering them to lead a healthier financial lifestyle and feel free to live their best life. At National Debt Relief, we treat our clients like real people. Our purpose is to elevate, empower, and transform their lives.Rated A+ by the Better Business Bureau, our goal is to help individuals and families get out of debt with the least possible cost through conducting financial consultations, educating the consumer and recommending the appropriate solution. We become our clients'' number one advocate to help them reestablish financial stability as quickly as possible.Want to learn more about who we are? Connect with us on social!BenefitsNational Debt Relief is a team-oriented environment full of rewards and growth opportunities for our employees. We are dedicated to our employee''s success and growth within the company, through our employee mentorship and leadership programs.Our extensive benefits package includes:<ul><li>Generous Medical, Dental, and Vision Benefits</li><li>401(k) with Company Match</li><li>Paid Holidays, Volunteer Time Off, Sick Days, and Vacation</li><li>12 weeks Paid Parental Leave</li><li>Pre-tax Transit Benefits</li><li>No-Cost Life Insurance Benefits</li><li>Voluntary Benefits Options</li><li>ASPCA Pet Health Insurance Discount</li><li>Wellness Incentive Program</li></ul>National Debt Relief is a certified Great Place to Work!National Debt Relief is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, or any other status protected by law.For information about our Employee Privacy Policy, please see hereFor information about our Applicant Terms, please see here#LI-REMOTE

National Debt Relief LLC

Debt Negotiator (Creditor Escalations)

Analysis Skills

Banking Services

Business Skills

Communication Skills

Contact Management

Customer Relationship Management (CRM)

Customer Support/Service

Customer/Client Research

Establish Priorities

Fair Debt Collection Practices Act (FDCPA)

File Management

Financial Planning

Futures

Incentive Programs

Legal

Legal Documents

Litigation

Metrics

Multitasking

Negotiation Skills

Organizational Skills

Performance Metrics

Portfolio Analysis

Presentation/Verbal Skills

Problem Solving Skills

Regulatory Compliance

Sales Management

Salesforce.com

Team Player

Training/Teaching

Writing Skills

OTHER

Develop and maintain strong relationships with unsecured lenders, credit card companies, and third-party creditors (including collection agencies and attorneys) to drive efficient and favorable settlement outcomes. Consistently achieve or exceed monthly KPIs, with a focus on settlement units and revenue generation by prioritizing and closing higher-balance accounts in a fast-paced, high-volume environment.

YEAR

Overview:
The Debt Resolution Negotiator is responsible for negotiating with creditors on behalf of enrolled clients to reduce outstanding balances and achieve favorable settlement terms. This role requires a strong analytical mindset, persuasive communication, and the ability to manage a high-volume portfolio of accounts. Negotiators serve as the primary point of contact between our company and creditor representatives, driving outcomes that create real financial relief for clients. The ideal candidate thrives in a fast-paced, performance-based environment, possesses exceptional people skills, and is motivated by meaningful work that directly impacts clients’ financial well-being.

Responsibilities:
<ul><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Contact and negotiate directly with creditors and collection agencies to reach debt settlement agreements on behalf of clients.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Analyze client financial profiles, account balances, and creditor history to develop effective negotiation strategies.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Develop and maintain strong relationships with unsecured lenders, credit card companies, and third-party creditors (including collection agencies and attorneys) to drive efficient and favorable settlement outcomes.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Maintain detailed records of all negotiations, settlements, and communications in SalesForce.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Consistently achieve or exceed monthly KPIs, with a focus on settlement units and revenue generation by prioritizing and closing higher-balance accounts in a fast-paced, high-volume environment.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Conduct all negotiations in full compliance with the Fair Debt Collection Practices Act (FDCPA) and internal company policies.</li></ul>

Qualifications:
Required Skills & Competencies<ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Negotiation or Sales Skills</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Navigate discussions with creditors and clients to find mutually workable outcomes</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Communication skills and Active Listening</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Articulate settlement proposals and convey information to clients, creditors, and internal team members with clarity and precision</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Carefully assess what lenders communicate and identify opportunities and constraints during negotiations</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Analytical Thinking</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Interpret and understand financial data, evaluate hardship situations, determine realistic and strategic settlement offers</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Strong Attention to Detail </li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">To ensure accuracy when reviewing balances, creditor or lender terms, settlement offers, and updating account notes or payment arrangements.</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Emotional Intelligence/Patience and Persistence</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Maintaining professionalism and staying composed, reading tone of negotiation, adjusting communication style as necessary</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Time Management and Organization</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Ability to work independently and in collaboration with others</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Bachelor’s degree </li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle">OR equivalent combination of education and relevant professional experience</li></ul></li></ul><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Strong analytical and financial acumen</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Comfortable reviewing account statements, calculating settlement percentages, and evaluating offers</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Ability to manage a large portfolio of accounts and work efficiently under deadlines</li></ul><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle;color:black">Proficiency with MS Office (Excel, Word, Outlook)</li></ul>  Compensation & Benefits<ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Base Salary plus Commission</li><li><ul style="direction:ltr;unicode-bidi:embed;margin-top:0in;margin-bottom:0in"><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Annual Salary plus performance-based bonus and incentive structure tied to settlement outcomes</li></ul></li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Average Annual Earnings: $75,000 – $100,000 (earning potential may vary and can be below or exceed this range)</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Comprehensive Benefits package: Medical, Life, Vision, Dental, HSA, FSA, etc.</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">401(k) plan plus employer match</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Paid Time Off (PTO)</li><li style="margin-top:0;margin-bottom:0;vertical-align:middle">Paid Holidays</li></ul>   Start building your career with J.G. Wentworth today!  J.G. Wentworth is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. J.G. Wentworth makes hiring decisions based solely on qualifications, merit, and business needs at the time. #jgwcb

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