Vulnerable
Last Update: 6/19/2026
AI Resilience Score for Bill & Account Collectors:
20.3%
Median Score
Meaningful human contribution
Measures the parts of the occupation that still require a human touch. This score averages data from up to four AI exposure datasets, focusing on the role’s resilience against automation.
Low
Long-term employer demand
Predicts the health of the job market for this role through 2034. Using Bureau of Labor Statistics data, it balances projected annual job openings (60%) with overall employment growth (40%).
Med
Sustained economic opportunity
Measures future earning potential and career flexibility. This score is a blend of total projected labor income (67%) and the role’s inherent ability to adapt to economic and technological shifts (33%).
Low
This reflects the reliability of your score based on the number of data sources available for this career and how closely those sources agree on the outlook. A higher confidence means more consistent evidence from labor experts and AI models.
This result is backed by strong agreement across multiple data sources.
Contributing sources
AI Resilience Report forBill and Account Collectors
$46,040 median salary•13,700 annual openings•SOC Code: 43-3011.00
Bill and Account Collectors are much less resilient to AI impacts than most occupations, according to our analysis of 7 sources.
Bill and Account Collectors are labeled "Vulnerable" because the most common parts of the job, like logging records, sending reminders, and making first-touch calls, are exactly the kinds of routine tasks that AI handles quickly and cheaply. Adoption of AI tools among collection agencies jumped from 73% to 93% in just one year, and economists at Goldman Sachs have specifically called out this role as one where AI can take over most core tasks.
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View analysisChat with CoachLatest newsMore career infoAnalysisChatNewsMoreThis role is vulnerable
Bill and Account Collectors are labeled "Vulnerable" because the most common parts of the job, like logging records, sending reminders, and making first-touch calls, are exactly the kinds of routine tasks that AI handles quickly and cheaply. Adoption of AI tools among collection agencies jumped from 73% to 93% in just one year, and economists at Goldman Sachs have specifically called out this role as one where AI can take over most core tasks.
Read full analysisAnalysis of Current AI Resilience
Bill & Account Collectors
Updated Quarterly
How is AI changing Bill & Account Collectors jobs?
If you're worried about a future in collections work, here's the honest picture: AI is already reshaping this job — but not erasing the human element entirely. According to a recent industry survey shared by ACA International, AI and machine learning adoption among collection agencies jumped from 73% in 2024 to 93% in 2025 [1], with only 7% of companies reporting no plans to deploy these tools. The routine, administrative parts of the role — updating records, logging contact attempts, sorting correspondence — are the easiest pieces for software to take over.
New AI agents like the one TransUnion launched in March 2026 to accelerate financial analytics workflows [2] can pull credit data, draft customer summaries, and flag accounts in seconds. Goldman Sachs economists, in research summarized by Fortune, specifically named "bill collectors" as a high-substitution-risk occupation where AI can handle most core tasks [3]. On the augmentation side, voice AI and chatbots now handle first-touch reminder calls, while human collectors focus on harder conversations — negotiating payment plans, showing empathy, and persuading reluctant customers.
Those judgment-heavy tasks (with automation scores closer to 42–55%) are still where people add real value.
Sources
How fast is AI adoption growing for Bill & Account Collectors?
Adoption is moving fast because the economics are powerful. Collection volumes are at record highs, with TransUnion data showing agencies turning to AI to keep up [1], and broader Federal Reserve research finds that one-third of GenAI workers now use the tools daily [4]. Commercial tools are widely available and cheap compared to call-center wages.
But there are real brakes: strict laws like the FDCPA and CFPB Regulation F mean every automated call must be auditable, and McKinsey's 2026 AI Trust survey shows governance and risk-mitigation still lag adoption [5]. Consumers are also wary of AI bots discussing sensitive debts. Thomson Reuters' 2026 report notes adoption has "hit critical mass" but companies are now wrestling with the tougher business questions [6] of accuracy and trust.
The takeaway: entry-level collector roles will shrink, but workers who build skills in negotiation, compliance oversight, and supervising AI systems will stay in demand — and those skills are very learnable.
Sources
Will AI replace Bill & Account Collectors?
Yes. We do think that eventually AI will replace much of this work as it's done today, but the skills you build here can carry you into roles that are harder to automate.
Our 20.3% AI Resilience Score reflects real risk. AI adoption among collection agencies jumped from 73% to 93% in just one year [1], and Goldman Sachs economists have specifically named bill collectors as a high-substitution-risk occupation [3]. The routine parts of the job, updating records, logging calls, sorting accounts, are already being handed off to software. Entry-level roles will shrink.
What stays human, at least for now, is the harder stuff: negotiating payment plans with someone in genuine financial distress, reading a situation with empathy, making judgment calls that a bot would fumble. Strict laws like the FDCPA also mean every automated interaction has to be auditable, which keeps compliance-minded humans in the loop [5].
The honest career advice here is to treat this job as a starting point, not a destination. The negotiation, de-escalation, and compliance skills you develop transfer well into financial counseling, customer success, and operations roles. Workers who learn to supervise and audit AI systems will be especially valuable [6]. The job is changing fast, but the skills are yours to keep.
Sources
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Latest AI news for Bill & Account Collectors
The rise of AI in debt collection is transforming the landscape for Bill and Account Collectors. Articles highlight that AI agents are making millions of calls monthly, taking over roles traditionally held by humans, which suggests a shift in job functions. For example, "AI debt collectors chase Americans over paid bills" shows how automation is becoming commonplace, while "AI Is Taking Over the Most Cursed Job in the World" emphasizes the industry's move towards AI solutions. This means future collectors should focus on developing skills that complement AI, ensuring resilience in their careers.
AI debt collectors chase Americans over paid bills
www.msn.com • 5/30/2026
Bots replace collectors: AI agents are making millions of debt collection calls monthly, increasingly taking over roles once handled by...
AI Is Taking Over the Most Cursed Job in the World
www.wired.com • 5/30/2026
There's a mad dash to automate the world's most hated calls. Have an unpaid bill? You'll hear from an AI debt collector sometime soon.
ServiceNow CEO says that new college graduate unemployment could reach 30% thanks to AI automation
fortune.com • 3/17/2026
Bill McDermott, the boss of $123 billion software giant ServiceNow, says it's going to be hard for Gen Z workers to “differentiate...
Accounting Seed Rolls Out AI Agents for Collections, Bill Pay, and General Ledger
www.cpapracticeadvisor.com • 1/12/2026
The Salesforce-native accounting solution has introduced AI agents designed to optimize cash flow and save time for small and medium-sized...
Senators Hawley and Warner Introduce Bipartisan Bill Exposing AI-Related Layoffs
www.inc.com • 11/5/2025
Today, U.S. Senators Josh Hawley (R-Mo.) and Mark Warner (D-Va.) announced their AI-Related Job Impacts Clarity Act. The bill would require...
More Career Info
Career: Bill and Account Collectors
They help businesses get paid by contacting customers who owe money and arranging payment plans to settle overdue bills.
Parent Careers
Employment & Wage Data
Median Wage
$46,040
Jobs (2024)
166,900
Growth (2024-34)
-10.5%
Annual Openings
13,700
Education
High school diploma or equivalent
Experience
None
Source: Bureau of Labor Statistics, Employment Projections 2024-2034
Task-Level AI Resilience Scores
AI-generated estimates of task resilience over the next 3 years
1
Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.
2
Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.
3
Confer with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts.
4
Advise customers of necessary actions and strategies for debt repayment.
5
Answer customer questions regarding problems with their accounts.
6
Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
7
Receive payments and post amounts paid to customer accounts.
Tasks are ranked by their AI resilience, with the most resilient tasks shown first. Core tasks are essential functions of this occupation, while supplemental tasks provide additional context.
