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Become A Recovery Specialist

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Working As A Recovery Specialist

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Documenting/Recording Information
  • Communicating with Persons Outside Organization
  • Deal with People

  • Unpleasant/Angry People

  • Mostly Sitting

  • Repetitive

  • $42,220

    Average Salary

What Does A Recovery Specialist Do

Bill and account collectors try to recover payment on overdue bills. They negotiate repayment plans with debtors and help them find solutions to make paying their overdue bills easier.

Duties

Bill and account collectors typically do the following:

  • Find consumers and businesses who have overdue bills
  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”
  • Inform debtors that they have an overdue bill and try to negotiate a payment
  • Explain the terms of sale or contract with the debtor, when necessary
  • Learn the reasons for the overdue bills, which can help with the negotiations
  • Offer credit advice or refer a consumer to a debt counselor, when appropriate

Bill and account collectors generally contact debtors by phone, although sometimes they do so by mail. They use computer systems to update contact information and record past collection attempts with a particular debtor. Keeping these records can help collectors with future negotiations.

The main job of bill and account collectors is finding a solution that is acceptable to the debtor and maximizes payment to the creditor. Listening to the debtor and paying attention to his or her concerns can help the collector negotiate a solution.

After the collector and debtor agree on a repayment plan, the collector continually checks to ensure that the debtor pays on time. If the debtor does not pay, the collector submits a statement to the creditor, who can take legal action. In extreme cases, this legal action may include taking back goods or disconnecting service.

Collectors must follow federal and state laws that govern debt collection. These laws require that collectors make sure they are talking with the debtor before announcing that the purpose of the call is to collect a debt. A collector also must give a statement, called “mini-Miranda,” which informs the account holder that they are speaking with a bill or debt collector.

Although many collectors work for third-party collection agencies, some work in-house for the original creditor, such as a credit-card company or a health care provider. The day-to-day activities of in-house collectors are generally the same as those of other collectors.

Collectors usually have goals they are expected to meet. Typically, these include calls per hour and success rates.

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How To Become A Recovery Specialist

Collectors usually must have a high school diploma. A few months of on-the-job training is common.

Education

Most bill and account collectors are required to have a high school diploma, although some employers prefer applicants who have taken some college courses. Communication, accounting, and basic computer courses are examples of classes that are helpful for entering this occupation.

Training

Collectors usually get 1 to 3 months of on-the-job training after being hired. Training includes learning the company’s policies and computer software and learning the laws for debt collection in the Fair Debt Collection Practices Act, as well as their state’s debt-collection regulations. Collectors also may be trained in negotiation techniques.

Important Qualities

Listening skills. Collectors must pay attention to what debtors say when trying to negotiate a repayment plan. Learning the particular situation of the debtors and how they fell into debt can help collectors suggest solutions.

Negotiating skills. The main aspects of a collector’s job are reconciling the differences between two parties (the debtor and the creditor) and offering a solution that is acceptable to both parties.

Speaking skills. Collectors must be able to speak to debtors to explain their choices and ensure that they fully understand what is being said.

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Recovery Specialist jobs

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Recovery Specialist Career Paths

Recovery Specialist
Accounts Receivable Specialist Accountant
Account Manager
5 Yearsyrs
Billing Specialist Accounts Receivable Specialist Staff Accountant
Accounting Manager
7 Yearsyrs
Driver Dispatcher Billing Specialist
Accounts Receivable Manager
6 Yearsyrs
Loss Mitigation Specialist Operations Specialist Operation Supervisor
Assistant General Manager
5 Yearsyrs
Collections Manager Accounts Receivable Specialist Business Office Manager
Business Office Director
8 Yearsyrs
Support Specialist Analyst Human Resources Coordinator
Business Office Manager
8 Yearsyrs
Counselor Case Manager
Career Manager
6 Yearsyrs
Delivery Driver Property Manager Collections Specialist
Collections Manager
5 Yearsyrs
Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Collections Manager Branch Manager Credit Analyst
Credit Manager
5 Yearsyrs
Driver Delivery Driver Sales Consultant
Internet Sales Manager
6 Yearsyrs
Counselor Program Manager General Manager
Managing Director
11 Yearsyrs
Specialist Account Manager Sales Manager
Office Manager
5 Yearsyrs
Billing Specialist Specialist Account Manager
Operations Manager
7 Yearsyrs
Substance Abuse Counselor Service Coordinator Service Supervisor
Patient Services Manager
8 Yearsyrs
Loss Mitigation Specialist Loan Processor Accounts Payable Clerk
Payroll Manager
7 Yearsyrs
Substance Abuse Counselor Program Coordinator Business Manager
Practice Administrator
10 Yearsyrs
Support Specialist Business Analyst Business Manager
Practice Manager
9 Yearsyrs
Specialist Project Manager Program Manager
Senior Manager
10 Yearsyrs
Accounts Receivable Specialist Finance Analyst Assistant Vice President
Vice President And Manager
10 Yearsyrs
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Average Length of Employment
Billing Specialist 3.1 years
At-Risk Specialist 2.8 years
Account Specialist 2.7 years
Collection Analyst 2.7 years
Bill Collector 2.6 years
Recovery Agent 2.6 years
Specialist 2.5 years
Skip Tracer 2.2 years
Collector 2.1 years
Debt Collector 1.9 years
Recovery Associate 1.0 years
Top Employers Before
Cashier 7.3%
Internship 6.3%
Collector 3.6%
Manager 3.3%
Supervisor 3.0%
Specialist 2.7%
Server 2.7%
Top Employers After
Specialist 4.9%
Collector 4.2%
Cashier 3.7%
Counselor 3.4%
Supervisor 3.2%
Internship 2.6%

Recovery Specialist Demographics

Gender

Female

60.3%

Male

37.9%

Unknown

1.8%
Ethnicity

White

80.3%

Hispanic or Latino

11.5%

Asian

6.1%

Unknown

1.5%

Black or African American

0.6%
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Languages Spoken

Spanish

69.1%

French

9.3%

Carrier

4.3%

Portuguese

3.1%

Russian

2.5%

German

1.9%

Hindi

1.9%

Vietnamese

1.2%

Arabic

1.2%

Italian

1.2%

Turkish

0.6%

Chinese

0.6%

Mandarin

0.6%

Greek

0.6%

Hebrew

0.6%

Wolof

0.6%

Gujarati

0.6%
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Recovery Specialist Education

Schools

University of Phoenix

24.5%

Strayer University

6.4%

Kaplan University

5.5%

Liberty University

5.1%

Angelo State University

4.9%

American InterContinental University

4.6%

Ashford University

4.0%

Erie Community College

3.8%

San Joaquin Delta College

3.8%

Wilmington University

3.5%

Grayson College

3.5%

Bristol Community College

3.5%

Walden University

3.5%

Camden County College

3.5%

University of Nebraska at Omaha

3.3%

Columbus State Community College

3.3%

Florida State University

3.3%

University of Massachusetts - Boston

3.3%

Bellevue University

3.3%

Greenville Technical College

3.3%
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Majors

Business

26.6%

Psychology

9.7%

Criminal Justice

8.1%

Health Care Administration

5.3%

Social Work

5.2%

Accounting

5.2%

Nursing

4.6%

Human Services

4.5%

General Studies

3.2%

Communication

3.2%

Management

2.9%

Mental Health Counseling

2.7%

Finance

2.7%

Education

2.6%

Medical Assisting Services

2.6%

Computer Science

2.5%

Liberal Arts

2.3%

Sociology

2.1%

Marketing

2.0%

Human Resources Management

1.9%
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Degrees

Bachelors

33.1%

Other

29.6%

Associate

15.1%

Masters

13.4%

Certificate

5.3%

Diploma

1.6%

Doctorate

1.3%

License

0.6%
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Job type you want
Full Time
Part Time
Internship
Temporary

Real Recovery Specialist Salaries

Job Title Company Location Start Date Salary
Backup & Recovery Specialist The New York Times Company New York, NY Aug 26, 2015 $166,864
Enhanced Oil Recovery Specialist Outsource Research Consulting, Inc. Houston, TX Sep 16, 2016 $62,610
Enhanced Oil Recovery Specialist Outsource Research Consulting, Inc. Houston, TX Sep 12, 2015 $62,610
Data Recovery Specialist I365 Inc. (A Seagate Company) Schaumburg, IL Dec 01, 2009 $60,000
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Oct 01, 2013 $55,139
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Oct 01, 2013 $50,547
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Feb 15, 2011 $48,314
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Oct 01, 2011 $48,314
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Sep 16, 2010 $48,314 -
$23
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Oct 01, 2010 $48,314 -
$23
Data Security & Recovery Specialist ESS Data Recovery, Inc. Edwardsville, IL Oct 01, 2013 $48,147
Heavy Duty Driver & Recovery Specialist Gene's Towing, Inc. Lakewood, WA Oct 12, 2015 $47,237
Chargeback Recovery Specialist Verifi, Inc. Los Angeles, CA Aug 28, 2016 $41,808
Chargeback Recovery Specialist Verifi, Inc. Los Angeles, CA Sep 21, 2016 $41,808

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Top Skills for A Recovery Specialist

CustomerServiceFinancialSituationsDebtCollectionPaymentArrangementsCreditCardDelinquentAccountsCrisisInterventionInsuranceCompaniesOutboundCallsTreatmentPlansVehicleMentalHealthPaymentPlansSubstanceAbuseMedicalBillsStudentLoansFdcpaDataEntryBankruptcyInboundCalls

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Top Recovery Specialist Skills

  1. Customer Service
  2. Financial Situations
  3. Debt Collection
You can check out examples of real life uses of top skills on resumes here:
  • Provide excellent customer service and recover delinquent assets on accounts for client Washington Mutual.
  • Arranged for repayment or established repayment schedules, based on customer financial situations.
  • Performed skip tracking to locate customers; maintained continual compliance with the Fair Debt Collection Practices Act.
  • Negotiated repayment arrangements on loss balances & coordinated related collection activities.
  • Performed offsets, ordered media, and handle modifying credit card accounts.

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