BETA
Updated: Feb 6
BETA
Updated: Feb 6
Evolving
Last Update: 11/21/2025
Your role’s AI Resilience Score is
31.0%
Median Score
Changing Fast
Evolving
Stable
What does this resilience result mean?
These roles are shifting as AI becomes part of everyday workflows. Expect new responsibilities and new opportunities.
AI Resilience Report for
Bill and Account Collectors
They help businesses get paid by contacting customers who owe money and arranging payment plans to settle overdue bills.
Summary
The career of a Bill and Account Collector is labeled as "Evolving" because many routine tasks like tracking overdue bills, sending reminders, and updating files are being automated by AI tools. These AI systems can efficiently handle simple tasks, which reduces the need for human workers in those areas.
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View analysisChat with CoachLatest newsMore career infoSummary
The career of a Bill and Account Collector is labeled as "Evolving" because many routine tasks like tracking overdue bills, sending reminders, and updating files are being automated by AI tools. These AI systems can efficiently handle simple tasks, which reduces the need for human workers in those areas.
Read full analysisContributing Sources
AI Resilience
All scores are converted into percentiles showing where this career ranks among U.S. careers. For models that measure impact or risk, we flip the percentile (subtract it from 100) to derive resilience.
CareerVillage.org's AI Resilience Analysis
AI Task Resilience
Changing fast6.1%
6.1%
Microsoft's Working with AI
AI Applicability
Changing fast25.7%
25.7%
Anthropic's Economic Index
AI Resilience
Stable73.6%
73.6%
Will Robots Take My Job
Automation Resilience
Changing fast6.2%
6.2%
Medium Demand
Labor Market Outlook
We use BLS employment projections to complement the AI-focused assessments from other sources.
Learn about this scoreGrowth Rate (2024-34):
-10.5%
Growth Percentile:
4.8%
Annual Openings:
13.7
Annual Openings Pct:
60.4%
Analysis of Current AI Resilience
Bill & Account Collectors
Updated Quarterly • Last Update: 11/22/2025
State of Automation & Augmentation
Bill and account collectors already use lots of computer systems to track overdue bills. For example, O*NET notes one task is to “locate and monitor overdue accounts … using computers and a variety of automated systems” [1]. In recent years, AI tools have begun to help with these routine jobs.
Industry reports describe how collection agencies now use predictive analytics to pick the riskiest accounts and even schedule reminder calls or texts automatically [2] [2]. AI chatbots and voice assistants can handle simple reminders and negotiate basic payment plans 24/7 [2]. In fact, a study of call centers found many agents spend a large share of time on clerical work (logging payments, updating files, etc.) [3] – tasks that software can increasingly do.
O*NET even rates this occupation as “moderately automated” (56%) [1], showing that many data-tracking and messaging tasks are already done by machines.
At the same time, not every part of the job is automated. Persuading someone to pay a debt or resolving a complex billing problem usually needs a human touch. Surveys of contact centers show companies aim to solve about 68% of issues via self-service tools [3], which means roughly a third still go to live agents.
AI systems can analyze a caller’s tone or sentiment to guide conversations, but they work best alongside people [2]. In practice, quiet tasks like filing reports or sending form letters are the first to be handled by software, while employees focus on empathy, judgment, and negotiations that require creativity.
AI Adoption
Many firms have quickly added AI tools for collections because the technology is ready and offers clear benefits. User-friendly cloud platforms and software-as-a-service mean even small agencies can try AI systems without huge investments [2]. These tools can save money by cutting agents’ routine work and speeding up recoveries.
For example, automated analytics and reminders can boost efficiency and improve cash flow [2] [3]. Companies also face heavy regulation in debt collection, so they often adopt “RegTech” features (automated compliance checks, audit logs, consent tracking) to avoid legal problems [2].
However, adoption is not instant in every case. Purchasing and training new AI systems can be costly compared to just paying collectors’ salaries (median pay is about \$22 an hour [4]). Many agencies move cautiously because colleagues and customers must trust the technology.
Debt collection is sensitive work – callers may feel anxious or upset – so firms cannot fully rely on bots yet. There are also privacy laws and customer-protection rules (like the FDCPA) that must be followed. For these reasons, companies often roll out AI in stages: they automate straightforward tasks and simple inquiries first, while keeping people involved for the tricky conversations and relationship-building.
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More Career Info
Career: Bill and Account Collectors
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
Record information about financial status of customers and status of collection efforts.
2
Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
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
Perform various administrative functions for assigned accounts, such as recording address changes and purging the records of deceased customers.
6
Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.
7
Negotiate credit extensions when necessary.
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.
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