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The art of negotiation is a critical skill for bill and account collectors… who develop agreements with people in debt to repay their creditors… on terms both parties can live with. Bill and account collectors generally spend most of their time on the phone, tracking down or negotiating with debtors. Listening, and paying attention to his or her concerns can help the collector negotiate a successful solution. Collectors follow federal and state laws, and must document their calling using computers and databases. Bill and account collectors follow up to ensure payments are actually made… if not, they let the creditor know, which may result in legal action. Collectors usually have the added pressure of meeting calling goals and success rates. Many bill and account collectors work in call centers for collection agencies although positions are available in healthcare, social assistance agencies, and other industries. Collectors face resistance, rejection, anger, and desperation from the people they negotiate with, and must still make their next call with a polite, positive tone and attitude. Fortunately, some consumers appreciate help in resolving their outstanding debts and can be quite grateful. Most bill and account collectors work full time… often putting in evening and weekend hours to reach people at home. Positions generally require a high school diploma, and on-the-job training is provided.