Pros
Remote. That's it. It's remote. Genuinely, not enough to even call it a pro these days.
Cons
The short answer: >Garbage pay >Garbage PTO amounts and policies >Almost no paid holidays >Massive micromanagement >The most abysmal "team" environment I've ever seen >Their system is based more on luck than anything >You will gain almost no skills here >The skills that you gain here will not transfer to other roles >Little to no real advancement opportunity >Extremely expensive insurance for little coverage The long answer: I've seen multiple reviews here with accusations of it being "squid-games-esque," and I would urge anyone considering a position at this company to take heed of them. The interview for this position is disturbingly easy. It almost makes you question why they weren't asking anything remotely difficult. You should, in fact, be questioning it. The reason the process is so easy is because you're just a body in a chair. You are not a person, you are not apart of some broader corporate culture. You can't even call yourself a cog in a machine here, because at that point you would be less expendable than they treat you. They insist that this is NOT a data entry role, but persistently take away any tools that you could have used to inform decisions in the role. You are not allowed to make decisions, you have no agency. You are served an account to work, and then you call the creditor. In spite of multiple tools that could inform you of the fact that the account is not eligible for a settlement yet, you are not allowed to use ANY of them. You simply call, enter the data you receive, and then leave, because the person on the other end of the line at the bank or collection agency is also just another body in a chair reading you a computer-generated number that cannot be overridden or circumvented. They promise a decent salary with on-target earnings (OTE) of around $75,000. You will not see that. You will probably see around half of that, maybe a little more if you're on the luckier side. Due to the nature of the fact that you're fed accounts one at a time to work and that you're required to call on a bunch of garbage that you're not going to be able to settle, I would call this a very luck-based system overall. You are at the mercy of the system determining what account you get to work at a time. If accounts seem too easy to settle, they will take that creditor away and send it to another department, leaving you once again with fewer and fewer options for settlements each month, diminishing your paycheck further. They have absolutely NO unity in their messaging to employees about prioritization. One moment they'll tell you to "be greedy!" to increase your paycheck, and the next lament how we should be "thinking of the clients," and how this affects them. They will say whatever conveniences them at any given time to try to get you to squeeze yourself a little harder, as though you can by sheer force of will have someone answer the phone. In addition to these complaints, they have monthly targets to be met. Sometimes they will curve them, and sometimes they will throw some accounts at you (too little too late, mind you) in a feeble attempt to avoid having to curve them. In spite of their luck-based system, they treat falling behind goal as a complex moral failing on your part and will put you on a PIP immediately for failing to meet at least 90% of the expected goal. What does a PIP here entail? Nothing productive, to be honest. It entails some additional micromanagement, being whined at about how you're not putting up numbers (how can you when your numbers are determined by a system?), and eventually, if you do not meet the goal for that PIP month, your employment will be terminated. There is no postmortem for a terminated employee. You just see that they're suddenly removed from some slack channels and their accounts are deactivated. There is no goodbye, there is no mourning of loss, because there is no team environment. You don't get to connect, share, care about each other, and it's discouraged because people will be gone without warning. You'll just see the notification that they're gone, and everyone goes about as though nothing happened. In an effort to combat this, they've implemented DAILY "team meetings" in which you show up, say a few numbers, and leave. This has done nothing to remedy the lack of team environment because it fails blatantly to address the roots of this awful, ongoing issue. There is almost no training here. The training doesn't outline anything with major creditors, it's some crappy slideshows about "what is debt settlement," and maybe a mock phone call or two that really don't go anything like the actual phone calls that you'll have with banks. There are a million tips and tricks to the job, no one will coach you, and you're expected to figure it out as best you can the hard way. They very much have a don't ask, don't tell, or rather a beg forgiveness and not permission culture. It seems that, largely, even management knows what they're doing is nonsense. If you are unfortunate enough to be in a position where you have no choice but to take a job here because that's where you could get an offer and you're desperate for income, I genuinely feel so bad. I hope you can leave as soon as possible. It might be to your benefit to not even list it on your resume, since the positions here carry no weight and no skills.