BETA
Updated: May 6
BETA
Updated: May 6
CLOSE
The AI Resilience Report helps you understand how AI is likely to impact your current or future career. Drawing on data from over 1,500 occupations, it provides a clear snapshot to support informed career decisions.
Navigate your career with your free AI Career Coach. Research-backed, designed with career experts.
The AI Resilience Report is a project from CareerVillage®, a registered 501(c)(3) nonprofit.
Vulnerable
Last Update: 4/23/2026
Your role’s AI Resilience Score is
21.8%
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
Bill and Account Collectors are much less resilient to AI impacts than most occupations, according to our analysis of 7 sources.
This career is labeled as "Vulnerable" because many of the routine tasks involved, like monitoring overdue accounts and sending reminders, are increasingly being automated with advanced software and AI. These technologies can handle a large volume of work more efficiently than humans, leading to fewer job opportunities.
Read full analysisLearn more about how you can thrive in this position
View analysis
Chat with Coach
Latest news
More career infoAnalysisChatNewsMoreLearn more about how you can thrive in this position
View analysisChat with CoachLatest newsMore career infoAnalysisChatNewsMoreThis role is vulnerable
This career is labeled as "Vulnerable" because many of the routine tasks involved, like monitoring overdue accounts and sending reminders, are increasingly being automated with advanced software and AI. These technologies can handle a large volume of work more efficiently than humans, leading to fewer job opportunities.
Read full analysisAnalysis of Current AI Resilience
Bill & Account Collectors
Updated Quarterly • Last Update: 2/17/2026
How is AI changing Bill & Account Collectors jobs?
Many routine collection tasks are already handled by computers. For example, the official job summary (O*NET) lists duties like “record information about financial status” and “monitor overdue accounts using computers and a variety of automated systems” [1]. In real life, collectors use software and automated dialers to send reminders and update records.
The U.S. Bureau of Labor Statistics (BLS) notes that advanced software and automated calling lets collectors handle far more accounts with the same number of people [2]. In one study, an AI system that learned when to schedule collection calls achieved about 23% higher repayment rates than human agents [3]. Despite these gains, the most personal tasks (like explaining options or understanding a person’s situation) still need humans.
Chatbots or robots can give simple answers or reminders, but BLS and industry experts agree: collection work will still need real people to talk through complicated cases [2] [3].
Sources
How fast is AI adoption growing for Bill & Account Collectors?
Lenders are optimistic but cautious about using AI in collection. On the plus side, the tools are available and often effective. Consultants observe that many customers now prefer digital communication, so companies use machine learning and automation to send the right message at the right time [4].
McKinsey analysts note that building a “digital-first” contact strategy can be very cost-effective – the technology investment is a small fraction of the payoff, because it brings in much more recovered money [4]. Indeed, the study on call scheduling showed clear gains with AI [3].
On the cautious side, collection is a regulated, people business. Collectors only make around \$22 per hour on average (about \$46K/year), so companies compare that cost to expensive AI systems. Because of legal rules about how and when people can be called, firms must still supervise automated calls.
In practice, BLS projects about a 10% decline in bill-collector jobs through 2034 [2], reflecting steady use of technology but also ongoing demand to replace retiring workers. In short, money-saving AI will be adopted where it clearly helps and follows rules, but the human skills of explaining, trusting, and negotiating remain important parts of the job [4] [3].
Sources
Help us improve this report.
Tell us if this analysis feels accurate or we missed something.
Share your feedback
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.
© 2026 CareerVillage.org. All rights reserved.
The AI Resilience Report is a project from CareerVillage.org®, a registered 501(c)(3) nonprofit.
Built with ❤️ by Sandbox Web
The AI Resilience Report is governed by CareerVillage.org’s Privacy Policy and Terms of Service. This site is not affiliated with Anthropic, Microsoft, or any other data provider and doesn't necessarily represent their viewpoints. This site is being actively updated, and may sometimes contain errors or require improvement in wording or data. To report an error or request a change, please contact air@careervillage.org.