Commercial Collector - American Financial Management - Remote
(2025-01)
Ran high-volume outbound on B2B commercial portfolios, calling business owners, controllers, and principals who had no interest in picking up. Used skip tracing and investigative research to locate contacts, opened cold, and worked each account through to resolution.
- Hit 140% of monthly target in the first full production month, the fastest ramp on the team.
- Ranked first in the department for dials-per-hour output in February 2026.
- Tracked down business contacts using advanced skip tracing, the same research discipline that drives effective SDR prospecting.
- Managed high-volume written correspondence with business owners, AP departments, and accounting teams daily, drafting settlement letters and tailored follow-up emails to move accounts forward
- Negotiated settlement agreements with businesses under pressure, reaching resolutions on accounts that had stalled for months.
Commercial B2B Collection Specialist - Gurstel Law Firm
(2018-01 - 2025-01)
- Negotiated settlements and structured payment plans on high balance defaulted small business lines of credit and business credit card accounts.
- Resolved disputed accounts while maintaining a professional, customer-centric approach and preserving client relationships.
- Managed pre-suit and post-judgment portfolios, including demand letters, payment negotiations, and post-judgment resolution strategies.
- Provided escalation recommendations on high-risk accounts and worked collaboratively with clients on recovery strategies.
- Maintained accurate documentation of debtor communications and recovery actions in compliance with FDCPA, TCPA, and applicable state and federal laws.
- Effectively handled complex negotiations involving debt consolidation companies and multi-party payment arrangements.
- Operated successfully in fast-paced, results-driven environments with strict compliance expectations.
Commercial Collection Specialist - Progressive Credit Associates - Minneapolis, MN
(2014-01 - 2018-01)
- Collected on delinquent and charge-off commercial credit cards, business credit lines, and auto deficiency balances.
- Negotiated settlements and payment arrangements while maintaining regulatory compliance and professional standards.
- Managed charge-off portfolios with a focus on resolution, borrower engagement, and client satisfaction.
- Drafted settlement agreements and conducted consistent follow-up through outbound calls and written communications.
- Met and exceeded monthly fee goals and provided weekly recovery projections to management.
Senior Student Loan Collection Specialist - Allied Interstate / iQor - Plymouth, MN
(2010-01 - 2014-01)
- Collected on federally backed student loan portfolios, including ECMC and Florida Department of Education accounts.
- Educated borrowers on repayment options and negotiated sustainable payment plans.
- Worked high-volume inbound and outbound call queues while consistently exceeding individual and team performance metrics.
- Performed skip tracing to locate borrowers and verify employment information.
- Maintained detailed and accurate account records in compliance with federal consumer protection laws.
- Demonstrated strong independent problem-solving and negotiation skills in a compliance-focused call center environment.
Medical Accounts Receivable Collector - Outsource Receivables - Brooklyn Center, MN
(2008-01 - 2010-01)
- Collected on medical A/R portfolios for multiple healthcare providers, including hospital and specialty clinic accounts.
- Negotiated patient payment plans and settlements while addressing billing questions and disputes professionally.
- Coordinated with insurance providers to resolve denied or underpaid claims and maximize reimbursements.
- Tracked and met key productivity and quality KPIs while maintaining strict documentation and compliance standards.
- Ensure accurate and timely account resolution through detailed system documentation.
Pre-Charge Off Collector (1st Party) - U.S. Bank - Minneapolis, MN
(1999-01 - 2002-01)
Managed pre-charge-off auto loan deficiencies and small business line-of-credit portfolios in a manual desk environment.
- Negotiated payment plans and settlements to prevent charge-offs.
- Performed skip tracing and maintained detailed account records.
- Demonstrated early expertise in FDCPA, TCPA, and banking compliance requirements.
- Provided weekly collection projections and performance updates to management.
