Joel Richard Garcia

El Cajon, CA

acxz0x@r.postjobfree.com - 619-***-****

WORK EXPERIENCE

Legal Collections Manager

Wisegarver & Associates Inc. - San Diego, CA - February 2015 to Present Interact with costumers to overcome consumer objections & disputes, Collect Legal, Pre-Legal, Past Due & Charged off Accounts. Recover the Balance in full, Negotiate Settlements And or Payment options. File any Necessary Small Claims, Represent Case & file Debtor Exams & Abstracts to recover the Balance for any Filing

& service fees associated with recovering the debt. Along with over 15 yrs Of Experience in all aspects of the collection industry from Manager, Supervisor to Collector. In the Last 20 months I personally Collected a total of $581,757.84 in delinquent accounts for my current employer Wisegarver & Associates Inc. As of 11/14/2016 Collections/Financial Services Agent

GreatCall - Carlsbad, CA - November 2012 to October 2014 Collect Past due balances for cellular and medical safety devices. create payment plans to bring accounts to a current balance. Rental Property Manager

Moyal Properties - El Cajon, CA - May 2011 to June 2013 Maintain rental properties advertise and rent out available properties collect all outstanding rent late fees and all monies owed. Sr. Collector /Financial Services

ARS National Services - Escondido, CA - November 2001 to March 2011 Recovered charged off Credit Cards & Pre-Legal Pre- Bankruptcy Accounts. Collected the balance in full or Negotiated Settlements And

Payment options to avoid bankruptcy.

Collections Supervisor

ARS National Services, Inc. Financial Services - Escondido, CA - September 2007 to November 2010 Coaching, identifying areas of opportunity to develop collectors to be successful and deploying action plans to take under-performing Collector's to a high level of productivity. Communicate expectations effectively and hold

employees accountable to those expectations. Assisting Collector's in strategy that yield increased revenue, including assisting with calls to ensure

compliance and effectiveness in recovering delinquent receivables. CUSTOMER FOCUSED, EXCELLENT VERBAL SKILLS COMPETITIVE AND FLEXIBLE MANAGING DIVERSITY.

Mental Health Counselor / I.C.U. Intensive Care Unit Tri-City Hospital - Vista, CA - March 1997 to October 2000 Assist R.N. on the Mental Health I.C.U. Intensive-Care Unit and Carry Out Care-Plan Prescribed By Doctor/ Psychiatrist.

Mental Health Counselor

Friendship Manor Psych. Care - Lakeside, CA - June 1991 to March 1997 Assist R.N. implement Care plan prescribed by Psychiatrist. Assist R.N. & LVN with unit Duties.

Loan Advisor

1st Associates Loan Servicing - Carlsbad, CA

Collect past due balance for student loans ...Help Re-Modify Loans to bring Account Current with income based payment options ...and Assist students Forbearance and deferment options.

Custom/Commercial Painter

Above And Beyond Painting - El Cajon, CA

EDUCATION

Vocational in Psychiatric Technician in Psychology Grossmont Community College - La Mesa, CA

1991 to 1993

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