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Repossession Jobs in Florida (NOW HIRING)

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Repossession information

See Florida salary details

$8.2K

$43.2K

$102.8K

How much do repossession jobs pay per year?

As of Jun 15, 2026, the average yearly pay for repossession in Florida is $43,200.00, according to ZipRecruiter salary data. Most workers in this role earn between $28,800.00 and $38,900.00 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 Florida? The most popular types of Repossession jobs in Florida are:
What cities in Florida are hiring for Repossession jobs? Cities in Florida with the most Repossession job openings:
Repossession jobs near you
Infographic showing various Repossession job openings in Florida as of June 2026, with employment types broken down into 100% Full Time. Highlights an 96% In-person, and 4% Remote job distribution, with an average salary of $43,200 per year, or $20.8 per hour.
Collections Specialist

Collections Specialist

Guardians Credit Union

West Palm Beach, FL • On-site

$18 - $24.25/hr

Full-time

Posted 18 days ago

Job description

Summary: Initiates contact with debtors at any stage of delinquency until charge off to collect past due payments on both accounts and loans (secured and unsecured) which include personal, auto and mortgages.

Critical features of this job are described under the headings below. They may be subject to change at any time due to reasonable accommodation or other reasons.

Bilingual Requirements:

  • 1+ years of previous billing or collections experience
  • Ability to prioritize and multitask work with a high-level of efficiency and attention to detail
  • Ability to perform basic mathematical calculations for payments and adjustments
  • Strong communication skills, including writing and typing

Essential Duties and Responsibilities include the following. Other duties may be assigned.

  • Negotiate and obtain payment arrangements on past due loans and accounts.
  • Research and analyze accounts utilizing all available resources and skip tracing techniques to locate debtors and any relevant credit information pertaining to the debtor.
  • Process ECM payments.
  • Maintain solutions-based collection practices with assurance member information is kept up to date.
  • Examines historical data and evaluates past collection efforts to verify current account status.
  • Maintains complete records on all accounts including, but not limited to, detailed documentation of collection efforts and transactions.
  • Works all accounts in an assigned queue and performs all actions necessary to specific account situations.
  • Handles field chases when necessary.
  • Maintains organized and current physical files for open account circumstances such as repossession, insurance, and bankruptcy.
  • Organizes and maintains all incoming and outgoing written communication as they pertain to accounts or the department.
  • Receives all legal correspondence and ensures that information is transferred to the legal representative in a timely manner for litigation purposes such as foreclosure, bankruptcy, judgments and other legal recommendations.
  • Works directly with outside vendors responsible for performing services on the credit union’s behalf.
  • Adheres to all credit union and departmental policies and procedures.
  • Maintains a consistent level of professionalism at all times with the debtor, co-workers, management and other departments and vendors.
  • Adhere to all collection government laws and regulations including FDCPA.
  • This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed in this job description are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

High school diploma or general education degree (GED); or one year related experience and/or training; or equivalent combination of education and experience.

Language Ability

Ability to read, analyzes, and interprets general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Math Ability

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills

To perform this job successfully, an individual should have knowledge of Word Processing software; Spreadsheet software; Accounting software; Internet software, Database software and have a willingness (and then be proficient) to learn DataSafe, the credit union’s data processing system.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must frequently lift and/or move up to 10 pounds. While performing the duties of this job, the employee is frequently required to stand.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.