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Repossession Jobs in Michigan (NOW HIRING)

Alcar Recovery, LLC

Repossession Agent

Warren, MI · On-site

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumers delinquent on a payment agreement. You will be investigating and tracking the known ...

Alcar Recovery

Repossession Agent

Warren, MI

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumer's delinquent on a payment agreement. You will be investigating and tracking the known ...

Alcar Recovery, LLC

Repossession Agent

Southfield, MI · On-site

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumers delinquent on a payment agreement. You will be investigating and tracking the known ...

Alcar Recovery

Repossession Agent

Southfield, MI

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumer's delinquent on a payment agreement. You will be investigating and tracking the known ...

Alcar Recovery, LLC

Repossession Agent

Southfield, MI · On-site

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumer's delinquent on a payment agreement. You will be investigating and tracking the known ...

Alcar Recovery, LLC

Repossession Agent

Warren, MI · On-site

The Repossession Field Agent's job involves communicating with internal staff, external team members and consumer's delinquent on a payment agreement. You will be investigating and tracking the known ...

RMS

Lot Attendant - Repossession

Lansing, MI

$30/hr

Lot Attendant - Repossession Are you a highly skilled and motivated individual looking for an immediate part-time opportunity in the automotive industry? Do you love working outdoors and have a ...

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Repossession information

See Michigan salary details

$9.6K

$50.4K

$119.8K

How much do repossession jobs pay per year?

As of May 28, 2026, the average yearly pay for repossession in Michigan is $50,386.00, according to ZipRecruiter salary data. Most workers in this role earn between $33,600.00 and $45,300.00 per year, depending on experience, location, and employer.

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 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 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.

Do repo agents make good money?

Repossession agents typically earn an hourly wage or commission-based pay, with salaries varying by location and experience. According to industry data, the median annual income ranges from $30,000 to $50,000, with some agents earning more through overtime or bonuses. The job often requires strong negotiation skills and the ability to work in challenging environments.

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. Prior experience in collections, security, or law enforcement can be beneficial, and some employers may require background checks and training on repossession procedures and safety protocols.

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 the most commonly searched types of Repossession jobs in Michigan? The most popular types of Repossession jobs in Michigan are:
What cities in Michigan are hiring for Repossession jobs? Cities in Michigan with the most Repossession job openings:
Repossession jobs near you
Recovery / Repossession Agent

Recovery / Repossession Agent

MICHIGAN RECOVERY SERVICES INC

Saginaw, MI • On-site

$30K - $150K/yr

Full-time

Medical, Life, Retirement, PTO

Posted 8 days ago

Job description


Recovery Agent / Repossession Agent (Full-Time)

Location: Michigan (statewide)
Schedule: Varies; nights and weekends required

Michigan Recovery Services (MRS) is seeking a dependable, detail‑oriented full time Recovery Agent to safely and efficiently complete client repossession assignments. In this role, you’ll be responsible for securing units, gathering key account information, and communicating updates that help determine the status of each order. Professionalism, accuracy, and compliance are essential.

Benefits

  • 401k with employer match
  • Health Insurance, AFLAC, Life Insurance
  • Paid vacation
  • Income potential of up to $150,000 (commission/volume-based)

Key Responsibilities

  • Repossession & Account Handling
  • Execute repossession orders in alignment with MRS’s mission, values, and client standards.
  • Safely locate and secure assigned units.
  • Follow up on leads, tips, and address information to maximize recovery success.
  • Update all account information, including all addresses and employment, per client compliance.
  • Collaborate with the Client Liaison team when additional information or skip tracing is needed.
  • Remain professional and compliant with all federal, state, and local regulations (CFPB, GLB, FDCPA, UCC).
  • Submit accurate, timely repossession reports, condition reports, required photos
  • Provide excellent client service at all times.

Qualifications

  • High school diploma or equivalent required.
  • Physically qualified to drive a commercial vehicle.
  • Must have or be eligible to obtain a DOT medical card.
  • Valid chauffeur’s license required.
  • Minimum 4‑year clean driving record.
  • Must pass background check, drug test, and physical.
  • At least 2 years of towing or repossession experience preferred.
  • CARS/ARA certification preferred; must be able to obtain certification within 6 months of hire.
  • 22 years of age or older.

Working Conditions

  • Frequent driving and sitting for long periods.
  • Standing, walking, and repetitive movements.
  • Ability to use a computer in the vehicle while safely parked.
  • Occasional heavy lifting.
  • Availability for nights and weekends.