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Debt Recovery Specialist MLC | American Fork, UT | Full-Time (40 hours), On-Site $20.00/hour base + uncapped monthly performance bonus Looking for more than just a job? At Mountain Land Collections, you'll have the opportunity to build valuable skills, work toward measurable goals, and earn performance-based bonuses while making a meaningful impact. We're an established debt recovery firm that believes in investing in our people. This is a role where what you earn is directly tied to what you produce — our highest earners are the representatives who work the hardest at converting non-payers into payers, and there's no cap on what that's worth. If you have call center experience and you're competitive, coachable, and persistent, we'd love to have you on the team.

ABOUT THE ROLE

As a Debt Recovery Specialist, you'll communicate directly with consumers to discuss outstanding accounts, identify workable solutions, and establish payment arrangements that help our clients recover balances in a timely manner. Success in this role requires professionalism, empathy, persistence, and the ability to navigate challenging conversations. We're looking for candidates who already have at least one year of call center or high-volume phone experience. You know what real call volume feels like and you're comfortable working toward a monthly number. Collections experience is a plus, but we provide comprehensive paid training on the collections process, compliance, and negotiation — so if your phone background comes from customer service, inside sales, healthcare, or insurance, we want to hear from you. One thing we're proud of: this is a Monday through Friday, 8:00 AM to 5:00 PM position. No evenings, no weekends, no rotating shifts. If you've been working nights or Saturday coverage somewhere else, that alone may be worth the conversation. MLC rewards people who stick with it and get good at what they do.

COMPENSATION

Base pay: $20.00 per hour, guaranteed.

Bonuses:

Our performance bonus is paid monthly and is based on what you collect. The percentage you earn increases as your collections increase, and there is no cap on the top end. A note about earning potential. Bonus is earned, not guaranteed. What you take home depends on your drive, your effort on the phones, and your ability to turn non-payers into payers. Here's what our representatives actually earned in 2026: First-year representatives: bonus checks averaging around $400 — the equivalent of $22.31/hour with base included.

Our most experienced representatives:

checks averaging around $2,800, or about $ 36.31/hour. These are our top performers, not the typical outcome.

Additional incentives:

Ongoing performance contests with cash and prizes, plus additional bonus opportunities we'll cover during the interview process.

KEY RESPONSIBILITIES

Manage inbound and outbound calls with professionalism, empathy, and confidence while helping consumers resolve outstanding accounts. Work with consumers to identify workable payment and resolution options that help our clients recover outstanding balances in a timely manner. Apply strong communication and negotiation skills to reach agreements that balance the needs of both clients and consumers. Provide professional, respectful customer service throughout every interaction while maintaining a solutions-focused approach. Maintain accurate and timely account documentation in company systems. Meet or exceed established monthly performance goals and track your progress toward individual targets. Adhere to all applicable regulations, client requirements, and company compliance standards. Participate in ongoing coaching and training to strengthen your collections, communication, and negotiation skills.

QUALIFICATIONS

Required:

One or more years of call center, contact center, or other high-volume phone experience — collections, customer service, inside sales, healthcare, insurance, or a related field Comfort handling a high daily call volume Ability to navigate multiple systems simultaneously while on a live call Typing speed of 35+ WPM High school diploma or equivalent Consistent punctuality and reliability Ability to pass a background check and basic aptitude assessment Ability to commute to American Fork, UT 84003 (this is an on-site position)

Preferred:

Prior collections experience or working knowledge of the FDCPA Experience in a performance- or commission-based role where you consistently hit your numbers Bilingual in English and Spanish Experience with payment plan negotiation or skip tracing If you have collections experience specifically, please tell us in your application — it matters to us.

BENEFITS

(Waiting periods apply to some benefits.) Monday-Friday schedule, 8:00 AM-5:00 PM, with no evening or weekend hours Paid training from day one Paid time off and paid holidays $200 monthly employer contribution toward a qualifying health plan $15 monthly employer contribution toward a qualifying dental plan Vision and supplemental plans available Company-paid $20,000 term life insurance policy Paid bereavement leave Employee referral program ADP LifeMart employee discount program Business-casual dress code Monthly team lunch on the last business day of each month Annual company events

HOW TO APPLY

Submit your application through this posting. Please include how long you've worked in a call center or phone-based role and what your monthly targets were. Qualified candidates will be contacted to schedule an interview. Mountain Land Collections is an equal opportunity employer.

Job Type:

Full-time Pay:

From $20.00 per hour

Benefits:

401(k) Dental insurance Flexible schedule Health insurance Paid time off Vision insurance Work from home Application Question(s): What are your feelings on collecting Medical Debt? What interests you in a position in Debt Recovery?

Education:

High school or equivalent (Required)

Experience:

Customer service: 1 year (Required)

Language:

Spanish (Preferred) Ability to

Commute:

American Fork, UT 84003 (Required)

Work Location:

In person