# Will bill collectors be replaced by AI? Updated October 2026 Bill collectors score 65 of 100 for AI exposure. The largest share of their task time, 57%, is work AI speeds up while they stay in charge. AI can take over the other 43% outright. - **43%** AI can do it - **57%** AI helps High exposure Higher than 96% of the 923 occupations we scored. ## Task by task We graded 15 tasks, listed here from most to least exposed. AI can do 6 of them today, speeds up 9 and leaves 0 to people. | Task | AI exposure | | --- | --- | | Sort and file correspondence and perform miscellaneous clerical duties, such as answering correspondence and writing reports. Drafting, filing and report writing are strong AI tasks. | 80% AI can do it | | Locate and monitor overdue accounts, using computers and a variety of automated systems. Software already flags overdue accounts; AI extends monitoring. | 78% AI can do it | | Receive payments and post amounts paid to customer accounts. Payment posting is largely automated; physical checks need handling. | 74% AI can do it | | Record information about financial status of customers and status of collection efforts. Status logs can be generated automatically from call data. | 72% AI can do it | | Answer customer questions regarding problems with their accounts. Chatbots handle routine account questions well. | 70% AI can do it | [See what AI can take on across a finance team](https://www.aigentcy.com/ai-for/finance/) ## How bill collectors compare All occupations (923) Office and administrative support (51) **Bill collectors score 65**, marked by the dark line. Each dot is a score, darker where more occupations share it. The short marks show the averages, 37 for all occupations and 57 for office and administrative support. ## Pay and outlook in the US Median pay $47,030 a year, May 2025 People employed 158,830 in the US, May 2025 Projected change in jobs \-10.4% from 2024 to 2034 ## Skills to build - Negotiate payment plans and hardship terms on live calls - Apply FDCPA and Regulation F contact rules to every customer call - Run skip traces across credit bureau databases - Build aging reports and recovery forecasts in Microsoft Excel - Manage delinquent accounts and disputes in SAP or Dynamics - Prepare repossession and disconnection referrals for attorney review ## Safer roles nearby 5 related occupations with lower scores. - [Credit clerks61 out of 100](https://www.aigentcy.com/ai-exposure/credit-clerks/) - [Tax examiners63 out of 100](https://www.aigentcy.com/ai-exposure/tax-examiners/) - [Tellers53 out of 100](https://www.aigentcy.com/ai-exposure/tellers/) - [Billing clerks59 out of 100](https://www.aigentcy.com/ai-exposure/billing-clerks/) - [Payroll clerks64 out of 100](https://www.aigentcy.com/ai-exposure/payroll-clerks/) ## Questions about bill collectors and AI Will AI replace bill collectors? Partly. About 6 in 10 of a bill collector's working hours go to tasks AI can already do, mostly sorting and filing correspondence and monitoring overdue accounts. Live talks about hardship, payment terms and repossession stay with people because they need judgement and accountability. Which bill collector tasks is AI taking over first? Sorting and filing correspondence scores 80 on exposure, since drafting letters and writing reports are strong AI tasks. Monitoring overdue accounts scores 78 because software already flags them, and AI extends that monitoring. Payment posting, scoring 74, is largely automated. Which bill collector tasks stay with people? Negotiating credit extensions scores 25, the lowest exposure, because it needs judgement, risk limits and accountability. Conferring with customers about why payments are late scores 30, since hardship conversations need empathy. Persuading customers to pay scores 35 because debt talks stay regulated and sensitive. How can bill collectors stay valuable as AI takes over? Take on the hardship calls and payment plan negotiations that score lowest on exposure. Learn Excel and SAP or Microsoft Dynamics well enough to build aging reports and check automated flags. Learn FDCPA and Regulation F contact rules so you can sign off on repossession and disconnection referrals before they reach attorneys. ## Related jobs - [Customer service representatives74 out of 100](https://www.aigentcy.com/ai-exposure/customer-service-representatives/) - [Bookkeepers67 out of 100](https://www.aigentcy.com/ai-exposure/bookkeepers/) - [Insurance claims clerks72 out of 100](https://www.aigentcy.com/ai-exposure/insurance-claims-clerks/) - [Order clerks68 out of 100](https://www.aigentcy.com/ai-exposure/order-clerks/) ## Next steps for bill collectors - ### Check your job Your job title is a rough guide. Your actual tasks decide your score. Paste your job description or CV and see which of your tasks AI can do. [Check your job](https://www.aigentcy.com/tools/ai-exposure-checker/) [Check your CV](https://www.aigentcy.com/tools/cv-checker/) ### Check which roles in your team AI can take on We map your team's tasks, show what AI can do today and build the automations that pay back first. [Book an AI audit](https://www.aigentcy.com/audit/) ## Related topics - [**Jobs AI can't replace**Cement masons score lowest, at 8.](https://www.aigentcy.com/ai-exposure/jobs-ai-cant-replace/) - [**Jobs most at risk from AI**Proofreaders score highest, at 76.](https://www.aigentcy.com/ai-exposure/jobs-most-exposed-to-ai/) - [**High-paying jobs with low AI exposure**Radiologists earn a median $420,860 and score 46.](https://www.aigentcy.com/ai-exposure/high-paying-jobs-low-ai-exposure/) - [**Entry-level jobs with low AI exposure**Cement masons need little prior training and score 8.](https://www.aigentcy.com/ai-exposure/entry-level-jobs-low-ai-exposure/) - [**Jobs AI speeds up the most**For natural sciences managers, AI speeds up 96% of task time.](https://www.aigentcy.com/ai-exposure/jobs-ai-speeds-up/) - [**AI and jobs in Malta**15 iGaming roles graded task by task.](https://www.aigentcy.com/ai-exposure/malta/) - [**Skills that keep work human**The skills to build in the jobs AI changes least.](https://www.aigentcy.com/ai-exposure/skills/) - [**Jobs A to Z**Every job we publish, by first letter.](https://www.aigentcy.com/ai-exposure/jobs/) - [**AI exposure by industry**Average scores for 22 occupation groups.](https://www.aigentcy.com/ai-exposure/industries/) - [**Write a CV screening software can read**How applicant tracking systems read a CV, and what to change.](https://www.aigentcy.com/ai-exposure/cv-screening-guide/) - [**AI for businesses**The tasks to automate first in each team and industry.](https://www.aigentcy.com/ai-for/) - [**How we score AI exposure**The grading, the weights and every source.](https://www.aigentcy.com/ai-exposure/methodology/) Occupation data from the O\*NET 30.3 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) and modified by Aigentcy. O\*NET® is a trademark of USDOL/ETA. Wage, employment and projection data from the U.S. Bureau of Labor Statistics. EU occupation names from ESCO, European Commission. AI usage signals from the Anthropic Economic Index (CC BY) and Microsoft Research (CC BY 4.0). [Methodology and sources](https://www.aigentcy.com/ai-exposure/methodology/). Scores © Aigentcy. Quote them with a link to the page.