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Debra Chappel
Lewisburg,OH
Work Preference
Summary
Results-driven Collections Agent with extensive experience in debt recovery and account management. Expertise in negotiation and dispute resolution has led to improved payment compliance and customer satisfaction. Proficient in leveraging accounting software for compliance monitoring and process enhancement. Strong track record of managing complex accounts and fostering positive customer relationships while consistently exceeding collections goals.
Overview
18
18
years of professional experience
Work History
Collections Agent
Synchrony Financial, GE Capital
West Chester, Ohio
06.2008 - 03.2026
- Communicated with clients to negotiate payment plans and settlements effectively.
- Negotiated payment plans with customers to ensure timely repayment of debt.
- Created repayment plans based on account holders' financial status and repayment abilities.
- Identified past due accounts and contacted account holders to arrange payment.
- Contacted customers via phone and email to discuss account status. and explained debt management to encourage timely debt payments.
- Managed customer accounts to resolve outstanding payments and disputes efficiently.
- Resolved complex issues that arose during the collections process.
- Monitored accounts to identify overdue payments and pursue timely remedies.
- Analyzed customer payment histories to identify trends and potential issues proactively.
- Educated clients on company policies regarding payment terms and collections.
- Educated debtors on the importance of credit health and the consequences of non-payment.
- Answered customer questions regarding account discrepancies or problems.
- Utilized collection software for tracking account statuses and documenting interactions.
- Provided feedback on system enhancements to streamline collection workflows.
- Collaborated with team members to improve collection strategies and processes.
- Followed fair debt practices and regulatory guidelines when managing the collections process.
- Adhered to company policies and applicable laws while collecting debts from customers.
- Adhered to all applicable laws, regulations, and company policies.
- Monitored compliance with federal regulations related to debt collection practices.
- Maintained accurate records and reported on collection activity and accounts receivable status.
- Updated account status records and collection efforts.
- Interviewed customers to obtain financial information, payment history and other relevant details.
- Negotiated credit extensions to assist customers in paying overdue accounts.
- Reviewed accounts to determine payment plan compliance.
- Participated in training sessions related to new technologies used by the company's collections department.
- Met demands of busy collections group by performing a high volume of daily calls.
- Upheld privacy and security requirements for customer information.
- Attended weekly meetings with internal departments to discuss progress on collections efforts.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Received payments and posted amounts to customer accounts.
Education
High School Diploma -
Valley View
Germantown, OH06-1974
Skills
- Debt recovery strategies
- Debt settlement negotiation
- Accounts receivable software
- Compliance monitoring
- Trend analysis
- Customer relationship management
- Debt recovery strategies
Accomplishments
- Award for no compliance defects
- Associate Of The Month for Driven
- Associate of The Month for outstanding customer service
- Customer Compliment awards
- Top Performer Awards for meeting company goals
Timeline
Collections Agent
Synchrony Financial, GE Capital
06.2008 - 03.2026
High School Diploma -
Valley View