Joseph L Garcia
Lakewood,CO
Summary
Proactive Debt Collection Specialist with extensive experience in mortgage, auto, and retail collections. Skilled in resolving complex billing issues, decreasing delinquency rates, and increasing recovered funds through negotiation and skip tracing. Adept at managing portfolios, processing hardship assistance, and enhancing client satisfaction.
Overview
14
14
years of professional experience
Work History
Debt Collection Specialist
Bread Financial
04.2014 - 08.2024
- Collection Specialist on Retail 3- 6 months passed due accounts.
- Expedited payment arrangements with debtors using persuasive techniques while treating them fairly and respectfully.
- Advised clients on best practices for managing their accounts receivable portfolio to minimize future delinquencies effectively.
- Maintained accurate and up-to-date records in collection management systems, ensuring efficient tracking and reporting of account statuses.
- Decreased delinquency rates through consistent follow-ups, negotiation skills, and timely resolution of disputes.
- Increased recovered funds by initiating skip tracing efforts when locating hard-to-find debtors proved challenging.
- Recovery accounts that have been charge off by offering to resolve balances with Settlement options.
Mortgage Collection Account Specialist
Specialized Loan Servicing
06.2012 - 02.2014
- Collections on Mortgage on One and Two due accounts (60) days passed due.
- Provide assistance in processing hardship -Re-Mod-home affordable Government programs.
- Generate assistance Financial Lost Mitigation Package to prevent Foreclosure.
- Enhanced client satisfaction by promptly resolving account issues with Mortgage Escrow.
- Assist bilingual incoming and outgoing calls.
- Average monthly collection of $ 260k.
Auto Collections Account Specialist
Santander Bank
03.2010 - 01.2012
- Auto loan debt collections with high balance portfolios.
- Provide assistance in processing hardship , deferments and repossession.
- Resolved complex billing and payment issues for balanced, accurate accounts.
- Provide assistance to Auto Dealers on Soft Adds Gap and Warranty policies and Principal balance.
- Generate /Fax to Gap & Warranty Companies of refunds on repossess vehicles.
Education
High School Diploma -
Santa Monica High School
Santa Monica, CA07.1980
Skills
- Goal-Oriented
- Debt Settlement
- Debt recovery
- Persistence
- Dispute Resolution
- Skip Tracing
- Portfolio Management
- Collections Software
- Payment arrangements
- Call center experience
- Attention to Detail
Languages
Spanish
Native or Bilingual
Timeline
Debt Collection Specialist
Bread Financial
04.2014 - 08.2024
Mortgage Collection Account Specialist
Specialized Loan Servicing
06.2012 - 02.2014
Auto Collections Account Specialist
Santander Bank
03.2010 - 01.2012
High School Diploma -
Santa Monica High School
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