Michelle Castelow acsg8z@r.postjobfree.com

**** *******, **********, ** ***** 734-***-****

Career Summary:

I am a qualified Collection and Legal Office Manager with extensive experience in collection litigation while adhering to provisions of the Fair Debt Collections Practices Act. I strive to decrease loan delinquency and have done so by up to 6.47% within one year. I am a hard working, results oriented individual who enjoys challenges and stringent deadlines. I have explicit comprehension of Federal, District and Circuit court rules and regulations, bankruptcy laws and procedures.

Professional Experience:

YOU WALK BAIL BOND AGENCY, Detroit, MI (2014 – Present) – Legal Office Manager

Prepare legal documentation for both criminal and civil cases

Maintain attorneys’ calendar

Conduct electronic filing and attend small claims hearings

Prepare and file orders discharging surety from bond and supporting documentation for criminal cases

FIRST NATIONAL BANK, Howell, MI (2012 – 2014) - Loan Adjuster

Successfully collected for delinquent accounts and decreased delinquency

Responded to credit bureau discrepancies by utilizing E-Oscar, processed adverse action letters

Changed accounts to non-accrual and/or charge off status on a monthly basis

Attended small claims hearings and handled bankruptcy matters with attorneys

Interpreted financial statements to include: Tax returns (individual and business), balance sheet, income statement, cash flow schedules and statement of owner's equity to determine extensions, workouts, rewrites and assumptions for commercial and mortgage loans.

CO-OP SERVICES CREDIT UNION, Livonia, MI (acquired Priority Community Credit Union on 1/3/09) (2009 – 2010) - Loss Mitigation Specialist

Detected and investigated fraudulent transactions

Created court documentation and attended small claims and fraud hearings.

PRIORITY COMMUNITY CREDIT UNION, Detroit, MI (2007-2008) - Collection Manager

Initiated collection strategies for department and set up alternative financial arrangements

Negotiated car and home sales, home equity accounts and REO management

Attended small claims hearings and handled bankruptcy matters with attorneys

WASHTENAW CREDIT CORP., Ann Arbor, MI (1999 – 2004) - Legal Coordinator

Managed the operation of the Legal Department for a third party collection organization

Initiated and monitored the repossession of vehicles through sale and deficiency, administered CPI

Attended small claims hearings and handled bankruptcy matters with attorneys

MCCOY & MCDANIEL LAW FIRM, Ann Arbor, MI (1987 – 1999) – Legal Coordinator

Distributed assignments and directed law office activity of a law firm that collected on delinquent accounts for various credit unions and student loans for the United States Justice Department

Created status reports and billing statements for clients

Filed proof of claims and reaffirmation agreements for bankruptcy cases

Proficiencies:

Software: IBS Collection and Recovery Management, Jack Henry Silverlake System, E-Oscar, First Data Global Gateway, Creditsystem, CollectOne Tiger, Symitar, ACMS, Accurint, OSI, Microsoft Excel, Word, Outlook, PowerPoint, Cognos, IRBSearch and Bailbooks

Educational Background: Cleary University, Ann Arbor, Michigan - MBA

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