Bill collector A bill collector is the person who recovers defaults or late payments from a second party, i.e. the subject of debt; and on behalf of a first party, i.e. the original creditor. Such recovery agents track and contact the debtors in order to inform them of a past-due debt. They target to collect the full debt amount, using lawful and ethical pre-legal and legal methods and tools. Bill collectors process their actions and authorities under different acts and regulations, e.