Stephanie Clark
Selah,WA
Summary
Seasoned debt collection professional with 20+ years of experience in delinquent account resolution, payment planning, and skip tracing. Known for professional phone etiquette, fair collection practices, and consistent results in reducing overdue balances.
Overview
1
1
Language
26
26
years of professional experience
Work History
Debt Collector & Trainer
Evergreen Financial Services
Yakima, WA
08.2013 - Current
- Managed delinquent accounts using CRM and dialer systems to support timely collection efforts.
- Contacted customers to negotiate payment arrangements and resolve outstanding balances professionally.
- Reviewed account histories to identify repayment options and prioritize high-risk collections.
- Documented collection activity accurately to maintain compliant records and audit readiness.
- Monitored payment commitments and followed up on missed arrangements promptly.
- Coordinated skip-trace research to locate hard-to-reach account holders efficiently.
- Advised team members on collection procedures, account handling, and compliance expectations.
- Collected on delinquent accounts to reduce overdue balances.
- Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
- Educated debtors about repayment options, enabling them to make informed decisions while preserving positive business relationships.
- Provided excellent customer service during difficult conversations, empathizing with debtors while remaining firm on repayment expectations.
- Utilized various skip tracing tools effectively locating hard-to-find debtors, increasing opportunities for successful collections.
- Exceeded performance targets for successful debt recoveries, contributing to the company's overall financial stability.
- Worked in a call center environment handling manual and automatically dialed outbound calls.
- Achieved successful settlements by skillfully negotiating terms agreeable to both parties involved in disputes.
- Processed debtor payments and updated accounts to reflect new balances.
- Worked with customer to create a debt repayment plan based on current financial condition.
- Applied FDCPA, HIPAA, and internal policies when handling sensitive medical debt communications.
- Trained new collectors on call handling, account research, and professional dispute resolution practices.
- Coordinated with attorneys and internal teams on case status updates.
Debt Collector & Trainer
Yakima Adjustment Service
Yakima, WA
01.2001 - 07.2013
- Managed delinquent account portfolios and pursued resolution through courteous, compliant collection calls.
- Negotiated payment arrangements aligned with customer circumstances and agency recovery goals.
- Reviewed account histories to verify balances, contacts, and collection readiness.
- Documented all debtor communications, promises to pay, and account status updates accurately.
- Prioritized workload to follow up on past-due accounts and maintain consistent contact cadence.
- Trained newer collectors on call handling, documentation standards, and professional negotiation techniques.
- Developed strong relationships with customers to foster timely payments and account resolution.
- Maintained high volume of calls and met demands of a busy and productive group.
- Implemented customized payment plans based on debtors' financial situation, increasing likelihood of full repayments over time.
- Maintained consistently high success rate of collecting on overdue accounts.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Contributed to team success by consistently meeting or surpassing established performance metrics with professionalism and expertise.
- Maintained detailed records of all collection activities, ensuring accuracy and timely reporting to management and clients.
- Assisted in training new hires on company policies, procedures, and best practices for effective debt collection techniques.
- Negotiated payment plans with customers to prevent accounts from entering further collections.
- Adapted quickly to changes in industry regulations, incorporating new requirements into daily workflow without compromising productivity or results.
- Collaborated with legal team to prepare documentation for court proceedings, ensuring compliance with regulations and proper representation of the company''s interests.
- Collected on delinquent accounts to reduce overdue balances.
- Contacted customers to negotiate payment arrangements and resolve outstanding balances professionally.
- Utilized various skip tracing tools effectively locating hard-to-find debtors, increasing opportunities for successful collections.
Education
High School Diploma -
Selah High School
Selah, WA06-1997
Skills
- Professional telephone demeanor
- Skip tracing
- Payment acceptance
- Payment planning
- Negotiation
- Issue investigation
- Organizational skills
- Problem-solving
- Attention to detail
- Multitasking
- Decision-making
- Training
- Stress tolerance
- Debt collection
- Fair collection practices
- Training
Timeline
Debt Collector & Trainer
Evergreen Financial Services
08.2013 - Current
Debt Collector & Trainer
Yakima Adjustment Service
01.2001 - 07.2013
High School Diploma -
Selah High School