John Michel

Cell: 682-***-**** *** SPRING LOOP APT. 1202, COLLEGE STATION TX 77840

ad4o6b@r.postjobfree.com or ad4o6b@r.postjobfree.com

Bankruptcy/Repossession Specialist // Customer Support Rep

** ***** ** *xperience in computer operations, customer, and bankruptcy support.

Expertise encompasses:

Assistant Manager

Bankruptcy Processor

Repossession Operations Processing

Right to Cure/Strict Compliance

Loan Specialist

Insurance Settlement Processor

Professional experience

January 2023 – Present

SECURITY FINANCE

Bryan, TX

Assistant Manager

Process personal loans for new clients.

Refinance current customers.

Call daily list of delinquent accounts.

Process tax returns

WELLS FARGO DEALER SERVICES/AUTO

WACHOVIA DEALER SERVICES

WFS FINANCIAL INC.

Irving, TX

December 2021 – January 2023 Bankruptcy Processor

· Was crossed trained on how to process multiple CH.13 & CH.11 BK functions including the

following:

· Created and process multiple Chapter 13, 11 & 7 Motion for Relief of Stay, Stipulated Orders and Notice of Delinquencies.

· Follow up with local counsel via AGT on filing and hearing status.

February 2018 – December 2021 Bankruptcy Specialist II

· Crossed Trained on new processes of BK Repo team from NC.

· Process vehicle and personal property releases

· Coordinated with auctions and repo agents to have vehicles redelivered to

debtor.

· Contact debtor’s attorney to get the intentions they have for the vehicle.

· Assisted BK management on Policy and Procedure updates.

· QA experience reviewing pre-repo check list packets for vol and invol surrenders

prior to routing to Repo Admin for assignment

· Process payments listed on OPS Report in CARS via Workflow

· Review new BK accounts and route to appropriate discipline.

· Review pre-sale accounts and monitor for vehicle sale eligibility.

· Monitor post sale accounts for 90 days for reimbursement of rebates.

· Monitor the BK. Repo inbox.

· Helped with the cross training of new hire.

· Cross trained via Skype, CH.13 Conf. Missing/Expired (B57) with BK.13 specialist

in NC.

February 2017 – February 2018 BK Repossession Bankruptcy Specialist I

· Was crossed trained on how to process multiple CH.7 BK functions including the

following:

· Credit Updates

· Prepping accounts for Pre-repo approval

· Process Proof of Lien

· Created and processed multiple Motion for Relief of Stay

· Responded to internal and external email to the BK.7 inbox

March 2015 – February 2017 Operations Processor 3

· Assist in processing Strict Compliance and Right to Cure Letters for all of WFDS

collection centers.

· Also work with the Correspondence group in processing email requests for

Account History, Credit Applications, Credit Ratings, Debt Validations, Due Date

Change forms, Interest Paid letters, Payoff Quote letters, Same Name Letters

and Welcome Packages(using Vista Plus).

· I am also responsible for the daily auditing the FLEET, CRS, COLLATERAL

DEFIENCY and NRC letters.

May 2008 – March 2015 Operations Processor 2

· Day to day operational oversight of repossession agents utilized by WFDS

collection teams. Coordinate with Regional Business Center leadership to sign

up new repossession vendors, maintain current contracts and coordinate any

Service Agreement amendments. Perform due diligence reviews to insure

recovery vendors remain in compliance with all contractual requirements.

Gather, verify and update insurance certificates, state and local licenses, as well

as contractually required association memberships. Liaison between WFDS

offices and vendor agents to resolve any contract or recovery issues. Maintain

AutoIMS website with current information on all active agents.

· Assist in processing Strict Compliance and Right to Cure letters for all of WFDS

collection centers.

· Assist the Early Stage support team in processing Letters of Authorization, Death

Certificates, POA’s, insurance verifications and payment research/resolution.

July 2006 – May 2008 Collections Operations Support Rep

· Responsible for the processing of Wachovia DS total loss

accounts by issuing Letter of Guaranty to insurance companies.

REFERENCES

Available upon request.

Contact this candidate