AdministrativeCompare

Bill and Account Collector

O*NET: Bill and Account Collectors·43-3011.00

The Verdict:AI excels at tracking accounts, processing payments, and routine debtor notifications, automating much of the grunt work. Human value lies in phone negotiations with evasive debtors, but voice AI is rapidly matching persuasive capabilities. Firms are shifting to hybrid models, with significant staff reductions likely as full automation scales in the coming years.

Resilience Score

/100

Moderate Risk

Score tiers

Highly Resilient81–100

Resilient61–80

Moderate Risk41–60

High Risk21–40

Critical Risk0–20

How is this scored?

Task Resilience

How much of this role's daily work remains beyond AI and robotic automation.

30% of score

Physical Presence

The degree to which this job needs a human present — hands-on, in the field, or in the room.

20% of score

Human Necessity

How important the unique human edge is — for trust, accountability, or judgment.

15% of score

Regulatory Shield

How strong the legal requirement is for a human in this job (by law, licensing, or credentials).

13% of score

Technological Maturity

How far AI remains from performing this role's core functions.

10% of score

Displacement Evidence

The volume of jobs in this field being eliminated by AI or automation right now.

12% of score

Score last updated: February 2026Full methodology

Avg Salary

Median annual wage from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS), May 2024 release.

$46k

Job Growth (10yr)

Projected change in total number of jobs (not salary) from 2024–2034. Source: Bureau of Labor Statistics Employment Projections.

-10.5%

AI Exposure

Percentage of this role's analyzed tasks that AI can handle autonomously or nearly so. 6 of 15 tasks are classified as AI-exposed.

40%

Moderate exposure

Task Analysis

This role has a mixed AI profile.
6 tasks are automatable, 40% reward AI fluency, and 3 remain human-essential.

Read the action plan for high-risk roles

6exposed

6AI leverage

3human-essential

View all 15 tasks

AI Can Handle This6 tasks

Tasks AI can do autonomously or nearly so

Record information about financial status of customers and status of collection efforts.

Locate and monitor overdue accounts, using computers and a variety of automated systems.

Receive payments and post amounts paid to customer accounts.

Trace delinquent customers to new addresses by inquiring at post offices, telephone companies, credit bureaus, or through the questioning of neighbors.

Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports.

Perform various administrative functions for assigned accounts, such as recording address changes and purging the records of deceased customers.

AI Leverage6 tasks

Master these tools — humans who do outperform those who don't

Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.

Arrange for debt repayment or establish repayment schedules, based on customers' financial situations.

Advise customers of necessary actions and strategies for debt repayment.

Answer customer questions regarding problems with their accounts.

Contact insurance companies to check on status of claims payments and write appeal letters for denial on claims.

Negotiate credit extensions when necessary.

Human Advantage3 tasks

Tasks requiring trust, presence, or novel judgment

Persuade customers to pay amounts due on credit accounts, damage claims, or nonpayable checks, or to return merchandise.

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.

Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when customers fail to respond to collection attempts.

Resilience Landscape

Bill and Account Collector lands in Lower Pay, High Risk

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