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Repossession Jobs in California (NOW HIRING)

Daybreak Metro Inc

Repossession Agent

Richmond, CA

$60K - $135K/yr

Vision insurance Daybreak Metro is a growing repossession company seeking full-time experienced Tow Truck Drivers! Are you dog-tired working a combination schedule of day and night shift? Or not ...

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All JobsRepossession JobsRepossession Jobs in California

Repossession information

See California salary details

$10.9K

$57.1K

$135.7K

How much do repossession jobs pay per year?

As of Jun 14, 2026, the average yearly pay for repossession in California is $57,052.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $51,300.00 per year, depending on experience, location, and employer.

What is a repossession agent?

A repossession agent, often called a repo agent, is a professional responsible for recovering property—such as vehicles, boats, or other assets—that have been leased or financed but not paid for according to the terms of a loan agreement. When a borrower defaults on their payments, the lender may hire a repossession agent to retrieve the collateral. Repo agents must follow state and federal laws to ensure the process is legal and avoid breaching the peace. They typically work for repossession companies or as independent contractors. The job often involves locating assets, negotiating with owners, and safely transporting the repossessed property.

What job makes $10,000 a month without a degree?

In the field of repossession, experienced recovery agents or managers can earn around $10,000 monthly through commissions and bonuses, especially in high-value asset recovery. Success in this role often depends on skills, experience, and the ability to operate in a demanding environment, with some positions requiring licensing or specialized training.

Do repo agents make a lot of money?

Repossession agents typically earn an hourly wage or commission-based pay, with salaries varying by location and experience. On average, they make around $30,000 to $50,000 annually, with some earning more through overtime or performance bonuses. The job often requires physical stamina, negotiation skills, and knowledge of legal procedures.

How to become a licensed repossession agent?

To become a licensed repossession agent, you typically need to meet state-specific requirements, which often include passing a background check, completing a training course, and obtaining a license or certification. Some states also require a surety bond or insurance and adherence to federal and state laws governing repossession activities.

How do I get into a repo job?

To get into a repossession job, candidates typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Relevant skills include good communication, negotiation, and knowledge of legal procedures; some employers may require background checks or prior experience in collections or law enforcement. Training is often provided on the job, and the work may involve irregular hours and outdoor environments.

What are the key skills and qualifications needed to thrive as a Repossession Agent, and why are they important?

To thrive as a Repossession Agent, you generally need a valid driver's license, knowledge of state repossession laws, and often a high school diploma or equivalent. Familiarity with GPS tracking systems, tow trucks, and recovery management software is typically required. Strong conflict resolution, situational awareness, and effective communication skills help navigate tense situations and ensure safety. These skills are crucial for conducting lawful, efficient repossessions while minimizing risk and maintaining professionalism.

What is the difference between Repossession vs Debt Collector?

AspectRepossessionDebt Collector
Required CredentialsPossibly licensed or certified depending on jurisdictionOften requires collection licenses or certifications
Work EnvironmentFieldwork involving vehicle or asset retrievalOffice-based or fieldwork contacting debtors
Industry UsageFinancial institutions, auto lenders, leasing companiesCreditors, collection agencies, banks
Common Search/ComparisonRepossession vs Debt Collector

Repossession involves retrieving assets like vehicles or property when borrowers default, often requiring specialized licensing. Debt collectors focus on contacting debtors to recover owed money, typically working in collections. While both roles deal with debt recovery, repossession is more asset-focused and field-based, whereas debt collection emphasizes communication and negotiation. Understanding these differences helps job seekers identify the right career path in the debt recovery industry.

What are some typical challenges faced by repossession agents, and how are they addressed on the job?

Repossession agents often encounter challenges such as dealing with difficult or emotional vehicle owners, locating hard-to-find assets, and working in potentially stressful or confrontational situations. Companies usually provide training on conflict de-escalation, legal compliance, and safety procedures to help agents manage these scenarios. Strong communication skills and teamwork are essential, as agents often coordinate with lenders, law enforcement, and dispatchers to ensure safe and lawful repossessions.
What are the most commonly searched types of Repossession jobs in California? The most popular types of Repossession jobs in California are:
What cities in California are hiring for Repossession jobs? Cities in California with the most Repossession job openings:
Repossession jobs near you
Infographic showing various Repossession job openings in California as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $57,052 per year, or $27.4 per hour.
Repossession Specialist

Repossession Specialist

CommunityAmerica Credit Union

Anaheim, CA

$67K - $77K/yr

Other

Posted 14 hours ago

CommunityAmerica Credit Union rating

8.5

Company rating: 8.5 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Job Summary


The Repossession Specialist will be responsible for liquidating all repossessed assets of the credit union and monitoring the performance of repo agents and outside vendors to ensure goals are achieved in the most cost-effective manner. This position will review incoming Tow notifications, act and make recommendations regarding value to proceed with recovery or filing insurance claims. Additionally, handles any known abandonment in the same manner. Assists with working directly with members on workout loans


Open Shift:

  • Monday-Friday from 9am PT - 6pm PT


Salary Range:

  • $67,200 - $77,900


Duties and Responsibilities


• Review collateral documentation including application, loan documents, lien, insurance

information and ensures appropriate communication has been sent prior to assignment.

• Works with appropriate department to resolve lien issues preventing the credit union

from securing collateral.

• Submits title requests and ensures titles are received timely to allow sale of collateral.

• Negotiates with Tow companies, Dealerships and others, fees and arrangements for

collateral recovery

• Assign accounts for repossession and/or other outside action.

• Provides repossession agents with additional information to aid in recovery using but

not limited to Deposit account history Collection Advantage, Social Media, Carfax,

WorkNumber and Accurint.

• Prepare documents and letters, including, but not limited to: intent-to-sell and

deficiency letters, repossession affidavits, dealer recourse letters, and repossession title

processing packages.

• Work directly with repossession vendors and auctions to negotiate appropriate

expenses and safe movement of collateral.

• Submits all possible Dealer refunds, ensures refunds are received in a timely manner,

sends for processing.

• Submits partial charge off, full charge off according to Credit Union procedures in a

timely manner

• Responsible for determining collateral value and establishing appropriate sale dates and

floor limits.

• Ensure auctions/sellers are provided negotiable titles.

• Delivers sale proceeds and rebate refunds for processing and ensures posting accuracy.

• Review repossession and sale invoices for accuracy. Submit invoices for payment within

applicable timeframes.

• Prepare reports and analysis related to repossession program effectiveness.

• Advise members of any workout programs they may be eligible for, including the steps

they must take to apply. Process and submit workout program applications for

approval.

• Record and document discussions with members and vendors on the collection system.

• Promotes honest and open communication throughout the credit union.

• Demonstrates courtesy, tact, respect, and an overall genuine interest in the success and

welfare of others.

• Demonstrate behaviors that are consistent with the credit union’s values, philosophies,

and leadership characteristics.

• Work with other credit union departments to insure the workflow or process is

providing the best service to the members.

• Other duties as assigned.



Education and Experience Requirements:


• High school diploma, or at least 1 year of collection experience required.

• Knowledge of repossession requirements and asset valuation and disposal

experience preferred.


Required Knowledge, Skills and Abilities:


• Thorough knowledge of collection and loss recovery practices and familiarity with

federal and state laws and statutes.

• Ability to work with internal partners to create efficiencies and provide superior

service to our members.

• Knowledge of vehicle/mobile home/boat/recreational/other watercraft appraisal

guides.

• Knowledge of Fair Debt Collection Practices Act, SCRA, TCPA, and FCRA.

• Understanding of the auction and automotive industry.

• Knowledge of repossession and replevin laws by state.

• Familiar with various state titling requirements.

• Knowledge of spreadsheet software and ability to use word processing software.

• Knowledge of Adobe and ability to use software

• Knowledge of credit union services and products.

Apply