Gulf coast debt collector. $4,019. Gulf coast debt collector

 
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Dubai (/ d uː ˈ b aɪ /, doo-BY; Arabic: دبي, romanized: Dubayy, IPA:, Gulf Arabic pronunciation:) is the most populous city in the United Arab Emirates (UAE) and the capital of the Emirate of Dubai, the most populated of the country's seven emirates. Other times a third party will purchase your debt from the. 1. My agreement with the - was that all I had to pay that was my responsibility was that amount. A free inside look at company reviews and salaries posted anonymously by employees. Fax: 888-512-7291. Negotiate with the Collection Agency. *This company may be headquartered in or have additional locations in another country. Share. 15 reviews. Your trusted advisor in healthcare revenue cycle management | Gulf Coast Collection Bureau is dedicated to serving our clients and consumers in a professional and courteous manner. For example, in South Dakota, 15% have any kind of debt in collections and the median debt in collections is $2323. 00%. New York City Consumers Only: Hunter Warfield, Inc. S. Gulf Coast Containers LLC can be contacted via phone at 251-443-7997 for pricing, hours and directions. Consumers may not be aware that they can be awarded up to $1000 per FDCPA violation claim, and at times have their debt waved. If you are being harassed by Gulf Coast Collection Bureau over a debt, Mike Agruss Law can help. This is available to you through our client. Typically with this option, the Department of Education will not settle for less than 85% of your student loan debt. Cares Month at LexisNexis:. Gulf Coast Collection Bureau PO Box 987, Tallevast, Florida, 34270, United States Description Gulf Coast Collection Bureau is dedicated to serving our clients and consumers in a professional and courteous manner. What do you think? Indeed. Often, collectors aren't even aware that your debt might be uncollectable. Per the Debt Collector Licensing Act some applicants are allowed to do business while they are waiting to be denied or approved. ; Transparency: Expect full transparency in their practices, ensuring you are informed every step of the way. Average salaries for Gulf Coast Collection Bureau Debt Collector: $35,814. BBB File Opened: 2/14/2000. Trace Dillon Work Experience and Education. com Specialties: Gulf Coast Financial Associates (GCFA) is defined as a Debt Collection Agency. Services include Third Party Debt Collection, Early Out Programs, Extended Business Office Services, Payment Monitoring, Insurance Appeals and Rebilling, Probate Claim Processing, Clean Up Projects, Accounts Receivable. adults with debt in collections, knowing their legal rights is crucial. Get hired for local Debt Collection jobs by local employers in Biloxi, MS. Florida Law Help – Florida’s free legal information website and directory of all legal aid offices throughout the state. It’s debt collection, not much room for growth. Average hourly pay for Gulf Coast Collection Bureau Debt Collector: $18. 4. Last year, the IRS continued to see increased collections. Sarasota, FL 34233-3331. Debt collectors Sunshine Coast specialise in recovering unpaid debts in the region and operate within the boundaries of local and national laws. Professional Ethical Debt Collections (844) GCFA-INC | (251) 470-5905 Who is Gulf Coast Collection Bureau – GCCB? Gulf Coast Collection Bureau Inc is a third-party collection agency based in Florida. File a complaint with the CFPB, FTC, and your state's attorney general to report a debt collector's FDCPA violations. If the company that contacted you matches what. (GCCB)is responding to the Complaint received in our office on July 10, 2023. When you. Updated June 09, 2023. The Private Debt Collection (PDC) program reported an additional $345,096,675 in revenues attributable to special compliance personnel activity. You can find legal educational materials, sample forms, and information. Just as you wouldn’t jump into a contract without understanding its terms, don’t rush to make a. Gulf Coast Collection Bureau headquarters. The helpline is open Monday to. Gulf Coast Collection Bureau salary trends based on salaries posted anonymously by Gulf Coast Collection Bureau employees. Parallon also provides full-service revenue cycle management functions for external providers across the country, and offers point solutions for specific revenue cycle needs, including Medicaid eligibility and patient advocacy, bad. Called third-parties (family, friends. The license was created on October 4, 2002 with license number #1123704-DCA, and expires on January 31, 2005. Stat. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop. In terms of growth rate, it is ranked #140 out of 183 countries and is therefore considered a slow-growing economy. provides professional services. I get about 3 calls a week saying something about medical debt but Im paying through my hospital and messaged my hospital and they said they. (844) 423-2462. The agencies are hired to assist the IRS in collection action with certain outstanding, inactive tax debts on the government’s behalf. 4. Gulf coast collection is a third-party debt collection agency. Medical Debt Collector. It handles claims of different sizes, from $1,000 to $1,000,000. Medicare. Usually, the item is what you bought with the loan, e. You should receive a validation letter. 3. Benjy and his staff have over 40 years of experience as professionals. Gulf Coast Collection Bureau Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Gulf Coast Collection Bureau, Inc. 3. 2. Helping Members Succeed Since 1939. Title: Unraveling the Realm of Gulf Coast Debt Collectors: A Comprehensive Guide Introduction (150 words) The Gulf Coast region, stretching from the state of Texas to Florida, hosts a. Consumer Complaint: Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf. Legitimate debt collectors will leave a voicemail and contact information if they cannot reach you directly on the phone. Our debit card is accepted anywhere that MasterCard® is accepted. , by the. Choose Type. If there are inaccuracies, you can file a dispute letter to address the issue. They are a PPMS certified agency through ACA international, the Association of Credit and Collection Professionals. Since 1983 we have partnered with over 850 clients in areas such as hospitals, medical, public utilities, education, commercial, and retail collections. A legitimate debt collector should be able to tell you their company name and mailing address, as well as information about the debt they say you owe. 18 Certified Debt Specialist jobs available in Remote . If you are being harassed by Gulf Coast Collection Bureau over a debt, Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all. 2. Thomson Stone Acquisitions. As one of the best debt collection agencies in Dubai, RAALC specializes in Debt Restructuring through discussions and negotiations with creditors both in the UAE and abroad to establish a structured reimbursement plan and avoid potential legal action by creditors. Box 2086 Thousand Oaks, CA 91358. Box 1033 Jackson, MS 39215-1033 Physical Address: 500 Clinton Center Drive Clinton, MS 39056 Phone: (601) 923-7700 | Fax: (601) 923-77143. Contact; 228-231-0715. $17,869. HOME;. Gulf Coast Collection Bureau Debt Collector in Sarasota makes about $13. m. GCCB is a decent place to work with good pay and commission. S. On May 8, 2013 Florida Judge Robert Scola, Jr. GCCB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. Gulf Coast Collection Bureau is operating as a debt collection company. If the debt exceeds equity of GULTU. Coast Professional is a third-party debt collector that focuses on collecting federal and private student loans. Gulf Coast Collection Bureau, Inc. , and the Florida Consumer Collection Practices Act Fla. For some people, it may be credit card debt; for others, they may be behind on mortgage or student loan payments. We’re here to act as your advocate and negotiate with your creditors on your behalf. Call (855) 254-7841. Collections Agencies, Debt Consolidation Services. Provide Insurance. If a debt collection agency has violated your rights under the FDCPA through repeated contact, abuse, threats, misleading information or false representation, you can sue them in state court. Issue: False statements or representation. COMPANY TYPE Business Personal. Gulf Coast Collection | 325 followers on LinkedIn. , an ACA International member company specializing in health care revenue cycle solutions, recently announced that Trista Gray has joined its team as director of marketing and sales executive. Florida-based Gulf Coast Collection Bureau is on the wrong end of a proposed class action filed in New York that claims the company violated the Fair Debt Collection Practices Act. 1 Gulf Coast Collection Bureau Debt Resolution Specialist interview questions and 1 interview reviews. Notes: Coast Professional was founded in 1976 and has an A+ rating with the BBB, Once a debt is assigned to a collection agency, that agency becomes responsible for collecting the debt, and is the only one that can arrange payment terms. Coast Professional is a debt collector reporting a collection account on your credit report. Hannah Locklear | August 23, 2023. Spell out the collection terms clearly and concisely for the debtor. GULF COAST COLLECTION BUREAU, INC. : PO. The Fair Debt Collection Practices Act (FDCPA) - Biloxi & Jackson County Consumer Lawyer. The Kaplan Group - Top Debt Collection Agency. Borrow up to $250,000 for up to 20 years at a fixed rate for a flat fee as low as $1,699 — half of what most banks charge, and NO other fees! NO appraisal fees. As a provider, you can log into your account to perform the following: View your accounts. Coast Professional’s contact information is as follows: Coast Professional, Inc. Complaint was submitted via Web and sent to the company on Saturday 5th March 2016. To this end, we offer a wide variety of services to our clients and extensive training for our employees. 5 out of 5 stars. Gulf Coast Collection Bureau hurting your credit score? Give us a friendly, no pressure call @ (844) 978-1730. Student loan debt. Ocean Springs, MS 39564. Your trusted advisor in healthcare revenue cycle management | Gulf Coast Collection is dedicated to serving our clients and consumers in a. Physical Requirements: Incumbent must be capable of lifting up to 25 pounds. Gulf Coast Collection Bureau, Inc. Checking Your Voicemail and Caller ID. Anthony's Hospital. Key Features of Our Listed Debt Collectors: Proven Success: These firms have a proven track record of successfully recovering debts for their clients. Check for the Collection Agency that is harassing you. Company reviews. Average Gulf Coast Collection Bureau hourly pay ranges from approximately $15. Where is Gulf Coast Collection Bureau, Inc. Create an highs quality document now! Create Document. m. With a strong focus on high-quality service and ethical practices, Gulf Coast Collection Bureau has gained a solid reputation in the industry. This will prove that the collection agency accepted the check. Salary: AED 5000. Garbage Collection Service Near Me in Theodore, AL. When they do, you have rights with respect to how they collect the debt. Unsecured creditors, like credit card companies, know this, and most would rather settle the debt than wind up with nothing if you file for bankruptcy protection. If you are being harassed by Gulf Coast Collection Bureau, Inc. (941) 927-6999. Anthony's Hospital. Here are the main steps to take if you get sued by a debt collector: Answer the lawsuit, which you may have to do in writing or by showing up to court — or both. 600 Bel Air Blvd STE 210. Creditreform are a Debt Collection Agency based all around the world. On this page. We essentially serve as a go-between to set up a repayment schedule and negotiate to reduce or eliminate interest charges and stop penalties applied to your debt. When you. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Is Gulf Coast Medical Center Lee Memorial H threatening to send you to a debt collector for a bill you can’t afford to pay? If you have a recent medical bill for a procedure or any other reason, you might be getting letters or calls telling you to pay that bill before it goes to collections and shows up on your credit report. TMC & Associates, LLC. Gulf Coast's financial leverage is the degree to which the firm utilizes its fixed-income securities and uses equity to finance projects. O. Gulf Coast Collection Bureau can be contacted via phone at (866) 991-7360 for pricing, hours and directions. Find 17 listings related to Debt Companies in Captiva Island on YP. Gulf Coast Collection Bureau began operations in 1978 and its corporate headquarters are located in Sarasota, Florida. Start of main content. Average hourly pay for Gulf Coast Collection Bureau Debt Collector: [salary]. Phone. Gulf Coast Collection Bureau salary trends based on salaries posted anonymously by Gulf Coast Collection Bureau employees. If you are paying too high of interest rates, let us help you find the best option for consolidating your debt and lowering your average interest rate. is a locally owned and operated collection agency doing business in Jacksonville, Florida for over 30 years. Really great approach to collecting medical debt. Buy America preference resourcesTreasury Office of Gulf Coast Restoration BUILD AMERICA, BUY AMERICA ACT, POLICIES AND PROCEDURES FOR RESTORE DIRECT COMPONENT RECIPIENTS_(Word Version)Treasury Office of Gulf Coast Restoration BUILD AMERICA, BUY AMERICA ACT, POLICIES AND PROCEDURES FOR. Gulf Coast Collection | 36 followers on LinkedIn. When you need a high-end Gulf Coast private equity firm that is flexible and experienced, call us at Genesis Park. Collection experience with a credit union, other financial institution, or similar role is preferred. If you are experiencing debt harassment You May Be Entitled To Receive up to $1,000 in Statutory Damages. Don't give in to pressure to pay on first contact. A debt collector may be trying to contact you because: A creditor believes you are past due on a debt. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. Reviews from Gulf Coast Collection Bureau employees about Pay & Benefits. The fee you’ll pay is referred to as a commission. Energy XXI Gulf Coast debt/equity for the three months ending June 30, 2018 was . is a debt collector; any information may be used for that purpose. Learn about Gulf Coast Collection Bureau culture, salaries, benefits, work-life balance, management, job security, and more. The most secure way to pay a debt collection agency is by mailing a check with a return receipt. com and phone numbers. NO underwriting fees. Date Received: 2017-08-22T00:00:00. Gulf Coast Collection | 348 followers on LinkedIn. Specifically, the FDCPA bars debt collectors from usingYes, debt collection agencies like Gulf Coast Collection Bureau may use multiple phone numbers to contact individuals. Glassdoor has 10 Gulf Coast Collection Bureau reviews submitted anonymously by Gulf Coast Collection Bureau employees. Jun 30, 2019. org or by calling 866-991-7360. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its. Repossession — taking back a product or item to cover overdue debt. Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Creditors may be willing to reach an. We welcome your interest in growing your career with us. With a massive army of 3,500 men and a fleet of 40 ships, Gálvez landed on the outlying islands near Pensacola on March 9, 1781. Phone, address and details about the agency. Map & Directions [+] 228-231-0715. 2000 Edwards Street, Suite B. Geneseo, New York 14454. If you have debts in collection, that usually means a third party is trying to retrieve payment for your debts on your creditor’s behalf. I have provided this agency numerous times proof that I paid my portion of the - directly to the - prior to the -. As one of the nation’s largest nonprofit credit counseling agencies, Consolidated Credit works. Contact your creditor. The debt includes $25,089 in garbage collection and $5,684 for pilot fees. The creditor sold your debt for $100 to a debt collector. Debt collection follows after your debt has been unpaid for several months and your lender has turned over your debt to a debt collection agency or sold your it to a buyer. Your DebtStoppers bankruptcy lawyer is your advocate. Established in the 19th century as a small fishing village, Dubai grew into a regional trading hub from. The stay stops most collection calls, but collectors can still call before you file. com or chat live with an agent during office hours using the chat feature on this website if you have any issues with your payment. BBB Rating: BA free inside look at Gulf Coast Collection Bureau salary trends based on 13 salaries wages for 12 jobs at Gulf Coast Collection Bureau. Address: Gulf Coast Collection Bureau, Inc. S. Log In Lost Password? Gulf Coast Collection Bureau | (866) 991-7360 This is an attempt to collect a debt. Being transparent with debtor is the best way forward. Email: [email protected] a Location. Our office hours are:Checking Your Voicemail and Caller ID. 8 times from a decade ago. Gulf coast collection Collection Services is an American debt collection agency. They responded back without validatng the debt. We take all claims seriously and evaluate each thoroughly on a case-by-case. They have always treated me with kindness and respect. Gulf County Tax Collector (850) 229-6116. Gulf Coast Collection Bureau, Inc. After the second call I called back and the machine said they were gulfcoast collection bureau I hung up and researched what this company was. Collections Agencies, Commercial Collection Agency. 00 per hour. This is available to you through our client portal. Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. Or don't! You can get a debt collection attorney involved and get paid a small settlement if you're feeling sassy :) § 804. Contact your creditor. Gulf Coast Collection | 272 followers on LinkedIn. To this end, we offer a wide variety of services to our clients and extensive training for our employees. Gulf Coast Collection | 36 followers on LinkedIn. Summary: If a debt collector has violated the FDCPA when trying to collect a debt from you, there is a good chance you could receive compensation. This salary trends is based on salaries posted anonymously by Gulf Coast Collection Bureau employees. Without admitting the debt is yours, get information from the debt collectors before. Free and open company data on Arizona (US) company GULF COAST COLLECTION BUREAU, INC. Highly recommend Active Debt Recovery. Reviews from Gulf Coast Collection Bureau employees about working as a Debt Collector at Gulf Coast Collection Bureau. Their methodology provides their customers with results in clearing their balance in a non-confrontational, business-like manner. is an Florida collection agency. Debt Collector: A company or agency that is in the business of recovering money that is owed on delinquent accounts . Practice Areas Our Team Resources. This builds trust with clients and helps to maintain a positive reputation in the industry. Even taking this additional revenue into account and counting the $43,335,129 of payments taxpayers made that were not subject to commissions (because the payments were made within. has {1} locations, listed below. 99, Rent Recovery’s flat fee rent collection services, which are only available online, include: Processing, printing and. Ask for Discounts. It can help you with follow-up letters and statements, soft calls, credit. At Florida Gulf Coast University, 37. could mislead the least sophisticated consumer to believe that his or her notification sent to the debt collector is only meant to obtain verification of the. The reverse side of the 1997 Gulf Coast Collector Coin series is designed by Frank Gasparro, noted for his designs on several of our most popular U. Submit a complaint and learn your rights FOR FREE today! Florida-based Gulf Coast Collection Bureau is on the wrong end of a proposed class action filed in New York that claims the company violated the Fair Debt Collection Practices Act (FDCPA) in the course of its business with consumers. Summary: If a debt collector has violated the FDCPA when trying to collect a debt from you, there is a good chance you could receive compensation. TEXT US. Jobs. We are an industry leader in accounts receivable management and operate with the highest amount of integrity and professionalism. Learn about Gulf Coast Collection Bureau culture, salaries, benefits, work-life balance, management, job security, and more. Your trusted advisor in healthcare revenue cycle management | Gulf Coast Collection Bureau is dedicated to serving our clients and consumers in a professional and courteous manner. 6 Stars | 119 Ratings . The Internal Revenue Service has awarded new contracts to three private-sector collection agencies for collection of overdue tax debts beginning Sept. H. The burden of proof is on you, but if the judge rules in your favor, you can be awarded $1,000 in statutory damages plus attorney’s fees. Qualification: Bachelor’s Degree is required. – CFPB Complaint. Employment type: Full Time. The Fair Debt Collection Practices Act (FDCPA) The Telephone Consumer Protection Act (TCPA) The Servicemembers Civil Relief Act; Real Estate Law. Any information obtained will be used for that purpose. Sometimes a collection agency will agree to collect the debt in exchange for a fee or for a percentage of the money collected as payment. Gulf Coast Collection Bureau is often referred to or searched for by other names. Reviewing state law should be a step in the Regulation F implementation process. This communication is from a debt collector, and is an attempt to collect a debt. . The plaintiff says he was sent a collection letter from the defendant that violated the FDCPA because it did not contain certain validation notice. The monumental federal consumer protection law also limits when a debt collection agency can call you, which is between the hours of 9 pm and 8 am. F: (714) 678-8765. Overview Gulf Coast Collection Bureau began operations in 1998 and its corporate headquarters are located in Sarasota, Florida. Helpful. They left a vm with this number (866-991-7360) to call back. 00 per hour for Collection Agent to $17. Reviews from Gulf Coast Collection Bureau employees about working as a Collection Agent at Gulf Coast Collection Bureau. Customers typically use a home equity term loan for long-term, single costs such as debt consolidation, home renovations, or even an unexpected medical bill. Gulf Coast Collection Bureau, Inc. $11,440. Call (855) 254-7841. 9% + $0. Phone number: (866) 991-7360 or (941) 927-6999. org or by calling 866-991-7360. gulfcoastcollection. Under federal law, a debt collector can't contact you at any "unusual time" or at a time that it knows, or should know, is inconvenient for you. Email this Business. BBB Rating: A+ (866) 403-8649. Personal loan debt. Job Title: Director of Operations. It appears as though there are a variety of different complaints against Coast to Coast Financial Solutions alleging violations of the Fair Debt Collection Practices Act (FDCPA) including charging complainants with paid off debt. During my tenure with my employer I have learned more about insurance, earned a decent check and expanded my knowledge of this area of collections. This can amount to unconscionable conduct. GULF COAST COLLECTION BUREAU, INC. During my tenure with my employer I have learned more about insurance, earned a decent check and expanded my knowledge of this area of collections. Left you a message without disclosing that the call is from a debt collector. Visit Website. Gulf Coast Collection Bureau Debt Collector in Florida makes about $13. Click here to join today . Average hourly pay for Gulf Coast Collection Bureau Debt Collector: [salary]. Business Started: 2/1/1976. The tax debt has been removed from the IRS’s active inventory due to a lack of resources or an inability to find the taxpayer; 2. 's competitors? Alternatives and possible competitors to Gulf Coast Collection Bureau, Inc. § 1692, and the Florida Consumer Collection Practices Act (FCCPA), Florida Statutes. LinkedIn. Product: Other debt. Se Habla Español. Gulf Coast Bank's Home Equity Term Loan provides customers with more cash on hand rather than using credit cards or other personal loans that may have a higher interest rate. Conclusion. Reviews from Gulf Coast Collection Bureau employees about working as a Debt Collector at Gulf Coast Collection Bureau in Sarasota, FL. Gulf Coast Collection Bureau hurting your credit score? Give us a friendly, no pressure call @ (844) 978-1730. Be Persistent. Consumer Consent Provided to Share Complaint: Consent provided. 4% of the first-year borrowing cap of $5,500* for the typical first-year dependent student. phone, health club, etc. . Any information obtained will be used for that purpose. Gulf coast collection is a debt collection agency that was founded in 2006. Sign in. Established over four decades ago, GCCB has been involved. Length of Time at Current Company: 11 months Length of Time in Industry: 25 years. It references the policy at baycare. While New Englanders will feel unseasonably cold weather, some regions along the Gulf Coast could see temperatures in the 80s, according to the National Weather Service. Free interview details posted anonymously by Gulf Coast Collection Bureau interview candidates. Consumers have reported that they were contacted by Gulf coast collection, and the company has allegedly violated several laws regarding fair trade practices including using false information or misleading statements to collect debts from persons who are already owed money. 1M and 40 employees. You have the right to demand debt validation and debt verification letters; use it. Collections Agencies, Commercial Collection Agency. Look over your records about the debt and any information you may have gotten from the collector. Your trusted advisor in healthcare revenue cycle management | Gulf Coast Collection Bureau is dedicated to serving our clients and consumers in a professional and courteous manner. This also applies to any party acting. A free inside look at company reviews and salaries posted anonymously by employees. If you have a known person in the hospital, you can refer to his name to reduce the final amount on the medical bill. Length of Time at Current Company: Four years. Their primary role is to contact debtors and. See what Gulf Coast Collection Bureau’s President, Jack Brown III, has to say about “The Future of Medical Debt Collection” with AccountsRecovery. 7560 Commerce Ct. Call Now! 312-300-5996. Coast Professional, Inc. net, on Monday, April 4 at 1 pm EST. Tons of great salary information on Indeed. and Conserve, according to a news release from the IRS. If you pay $1000 to the debt collector, that doesn’t restore the creditor. As far as traditional collection agencies are concerned, their primary revenue source is collecting debts owed to others on a commission basis, and collecting accounts it owns is a secondary source of revenue. Anthony's Hospital. This. Learn about Gulf Coast Collection Bureau culture, salaries, benefits, work-life balance, management, job security, and more. Code. Your Debt Consolidation Options. In Mais v. Generate reports. 's headquarters? Gulf Coast Collection Bureau, Inc. The result is a series of 24 karat gold-plated, high-relief coins. They left a vm with this number (866-991-7360) to call back. Send a Debt Dispute Letter. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. I am so thankful to the whole team for helping me rebuild my. The agency’s Training Specialist, Soria wears many hats, which allows her to put her relationship-building strengths to work. If you need legal assistance regarding a collection. We can partner & help you REMOVE this. This communication is from a debt collector. Reviews from Gulf Coast Collection Bureau employees about working as a Debt Collector at Gulf Coast Collection Bureau in Sarasota, FL. If you confirm the debt is valid and the collector is legitimate, consider negotiating with the collection agency. When it comes to finding a debt collector on the Sunshine Coast, you have several different types of collectors to choose from. Employers / Post Job. Debt collection Medical. The company is growing and has implemented lots of new contests and incentives for the collection agents and staff. Health Insurance.