Bilingual detailed-oriented Customer Service Specialist with extensive experience in collections, records management, team development, call management, debt settlement services, and direct client engagement. Adept at determining timely solutions to challenging situations using superior communications skills. Experience lies within: lead-generation, qualifying prospects, negotiation, closing, developing new and growing existing business relationships. SUMMARY OF QUALIFICATIONS Proven talent for negotiating settlements to make payment in full for delinquent and defaulted student loan accounts for the United States Government Hands-on, versatile professional with demonstrated track record of working independently and in productive teams, have worked efficiently towards common goals and organization objectives Knowledgeable in consolidating loans to make payment arrangements, setting up wage garnishments, skip trace accounts and placing liens on assets Proficient in all Microsoft Office Suite, Lotus Notes, CRM, and Avaya Phone System Residential Real Estate sales experience Bilingual in English and Spanish