Not Very Resilient
Last Update: 8/30/2026
AI Resilience Score for Bill & Account Collectors:
24.1%
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
$47,030 median salary•11,200 annual openings•SOC Code: 43-3011.00
Bill and Account Collectors are less resilient to AI impacts than most occupations, according to our analysis of 8 sources.
Bill and Account Collectors earn a "Not Very Resilient" label primarily because so much of the day-to-day work, including outbound calls, record-keeping, and file updates, falls into the 87 to 90 percent automatable range, and companies are already acting on that math by deploying AI voice and text agents at massive scale. One vendor alone helped a healthcare collections agency cut its human staff from 45 to 19, and the Bureau of Labor Statistics projects a 10 percent employment decline in this field from 2025 to 2035.
Learn more about how you can thrive in this position
View analysis
Chat with Coach
Latest news
More career infoAnalysisChatNewsMoreThis role is not very resilient
Bill and Account Collectors earn a "Not Very Resilient" label primarily because so much of the day-to-day work, including outbound calls, record-keeping, and file updates, falls into the 87 to 90 percent automatable range, and companies are already acting on that math by deploying AI voice and text agents at massive scale. One vendor alone helped a healthcare collections agency cut its human staff from 45 to 19, and the Bureau of Labor Statistics projects a 10 percent employment decline in this field from 2025 to 2035.
Read full analysisLearn more about how you can thrive in this position
View analysisChat with CoachLatest newsMore career infoAnalysisChatNewsMoreAnalysis of Current AI Resilience
Bill & Account Collectors
Updated Quarterly
How is AI changing Bill & Account Collectors jobs?
If you're eyeing this career, here's the honest picture: the debt-collection industry is one of the most active testbeds for AI right now. Collection firms are starting to integrate generative AI voice and text agents to automate outbound consumer outreach. While these tools offer efficiency and operational advantages, media reports have documented instances where automated systems contacted consumers to collect on bills that had already been paid or disputed.
Startups like Domu report that their AI agents hit 70 million monthly connected calls in March [1], and one vendor says its tools helped a healthcare collections agency shrink human headcount from 45 to 19. Bots handle the repetitive outreach, record-keeping, and file-updating tasks (the ones rated 87–90% automatable), while humans increasingly step in for hardship conversations, disputes, and vulnerability signals. On the credit-management side, NACM notes that most teams are still using AI in inconsistent, one-off ways [2] and emphasizes that "human judgment remains central to effective credit management" — meaning augmentation, not full replacement, is today's reality for many collectors.
Sources
How fast is AI adoption growing for Bill & Account Collectors?
Adoption is moving fast because the math is compelling. AI is saving Microsoft about $750 million per year in customer service costs [3], and Forrester estimates almost half of customer service roles will be impacted by 2030 — collections is a natural early target because calls are scripted and outcomes are measurable. The U.S. Bureau of Labor Statistics projects employment of bill and account collectors will decline 10 percent from 2025 to 2035 [4], though about 11,200 openings are still expected each year as workers retire or switch jobs.
What's slowing adoption is real: legal risk. ACA International warns that automation does not replace the necessity of a robust compliance management system [5] and points to new state guardrails like Colorado's overhauled AI law. The good news for young workers: empathy, judgment, and negotiation with distressed customers — the higher-value 45–55% tasks — are exactly where humans still win.
Sources
Will AI replace Bill & Account Collectors?
In part. We think AI will eventually automate a real share of this work, but human judgment will still matter in the hardest conversations.
Our 24.1% AI Resilience Score reflects a real and honest risk. Debt collection is already one of the most active testbeds for AI, with automated voice and text agents handling outbound calls at massive scale [1]. The BLS projects employment in this field will decline 10 percent through 2035 [4]. That is not a small number, and we think students deserve to hear it plainly.
What stays human is the harder, higher-value work: negotiating with someone in genuine financial distress, spotting vulnerability signals, and navigating disputes where a wrong move creates legal exposure. ACA International notes that automation does not replace the need for a strong compliance management system [5], and that legal risk is real enough to slow full replacement.
The more useful question is where this career can take you. The skills that make a good collector, empathy, negotiation, de-escalation, and regulatory awareness, transfer well into credit management, financial counseling, customer success, and compliance roles. We think the smartest path is to treat this job as a training ground for those adjacent fields, rather than a long-term destination.
Sources
Help us improve this report.
Tell us if this analysis feels accurate or we missed something.
Share your feedback
Latest AI news for Bill & Account Collectors
These articles highlight how AI is reshaping the debt collection field, offering exciting opportunities for future Bill and Account Collectors. For instance, AI adoption jumped to 93% in the industry, showing its integral role in enhancing efficiency. Tools that optimize contact strategies and automate communications can help collectors engage clients effectively. Understanding these advancements can empower students to adapt and thrive in a technology-driven environment, ensuring they remain relevant and resilient in their careers as AI continues to transform the landscape.
How AI Is Transforming Debt Collection
www.kaplancollectionagency.com • 9/20/2026
May 19, 2026 — AI/ML adoption in the debt collection industry surged from 49% in 2023 to 93% in 2025. The global AI debt collection market is valued at ... Read more
Using AI to Improve Debt Collection Strategies
www.fico.com • 9/20/2026
Aug 15, 2025 — AI strengthens collections across four core areas. By powering account segmentation, contact optimization, conversational communications, and ... Read more
How Good is AI at Twisting Arms? Experiments in Debt ...
www.nber.org • 9/20/2026
by JJ Choi · 2025 · Cited by 7 — In the first three cases, the AI also emphasizes potential negative consequences if the borrower fails to repay: more phone calls, worsening credit records,
AI Collections Agent - FutureSight Inc.
bebee.com • 9/20/2026
Give us a list of overdue accounts and our voice agent calls each debtor, confirms invoice awareness, and captures exactly what they say — a payment commitment, ... Read more
AI Agents for Debt Collection
beam.ai • 9/20/2026
A debt collection AI agent is an intelligent software solution that automates communication, payment reminders, and negotiation processes with debtors. Instead ... Read more
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
$47,030
Jobs (2025)
160,200
Growth (2025-35)
-10.4%
Annual Openings
11,200
Education
High school diploma or equivalent
Experience
None
Source: Bureau of Labor Statistics, Employment Projections 2025-2035
Task-Level AI Resilience Scores
AI-generated estimates of task resilience over the next 3 years
1
Negotiate credit extensions when necessary.
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
Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.
5
Advise customers of necessary actions and strategies for debt repayment.
6
Answer customer questions regarding problems with their accounts.
7
Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.
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.
