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Role Description

This position will work from home; occasional planned travel to our Southfield, Michigan office may be required. However, this position is permitted to work at our Southfield, Michigan office if requested by the team member.

• Maximize revenue and minimize losses through a series of actions compliant with the federal bankruptcy code.
• Work assigned route of accounts in compliance with department policies and processes.
• Protect the interests of Credit Acceptance on accounts where the customer has filed for Chapter 7 or 13 bankruptcy.
• Ensure maximum revenues are generated by thoroughly reviewing proposed plan terms and the timely initiation of follow-up actions.
• Maintain a strong partnership with a network of external Bankruptcy attorneys to achieve this result.
• Support additional customer and external attorney requests.

Outcomes and Activities

Account Management:

• Use Chapter 7 and 13 Bankruptcy policies and processes to manage accounts.
• Manage a route of accounts through the bankruptcy life cycle making sure review dates are kept current and exceptions are handled timely and appropriately.
• Evaluate Chapter 7 filings and determine if the debtor requests and qualifies for a reaffirmation and follow-up accordingly.
• Evaluate Chapter 13 bankruptcy plans ensuring Credit Acceptance is appropriately secured.
• Use 3rd party websites to gather information regarding the status of a bankruptcy.
• Timely submit Proof of Claims on Chapter 7 filings that are asset cases and on all Chapter 13 filings.
• Negotiate with debtors’ attorneys to improve Credit Acceptance's position in a bankruptcy plan.
• Cost effectively assign accounts to local counsel to maximize the Company's revenue.
• Follow-up on account exceptions.

Call Management:

• Answer all inbound calls with a focus on providing professional customer service to all callers.
• Follow through on commitments made and follow through on required resolutions.
• Make outbound calls to attorneys and trustees.

Qualifications

• High School Diploma or GED.
• Previous customer service and/or collection experience in a call center environment.

Preferred

• Bachelor’s degree.
• Minimum of two years of legal experience interacting with third parties.
• Demonstrated automotive bankruptcy knowledge.
• Understanding of Bankruptcy laws and processes and consequences of non-compliance.
• Chapter 7 and 13 specific bankruptcy knowledge.

Knowledge and Skills

• Able to multitask, be organized and capable of meeting all deadlines.
• Remain positive, professional, determined, calm and focused when faced with challenging situations.
• Be a quick thinker, with an ability to understand and interpret information promptly and effectively.
• Be self-driven, motivated to help, and able to perform with minimal supervision in a team environment.

Targeted Compensation

$19.25 - $22.50/hour based on experience, plus uncapped monthly bonus potential.

Benefits

• Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/dental/vision and many nonstandard benefits that make us a Great Place to Work.

Our Company Values

• To be successful in this role, Team Members need to be:
• Positive by maintaining resiliency and focusing on solutions.
• Respectful by collaborating and actively listening.
• Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions.
• Direct by effectively communicating and conveying courage.
• Earnest by taking accountability, applying feedback and effectively planning and priority setting.

Expectations

• Remain compliant with our policies processes and legal guidelines.
• All other duties as assigned.
• Attendance as required by department.