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Repossession Jobs in Michigan (NOW HIRING)

Public Service Credit Union

Collections Specialist

Romulus, MI · On-site

$17.75 - $24/hr

Recommend and prepare accounts for repossession and external collection proceedings. Includes legal action and third-party collections as well as providing follow-up support. * Analyze loan documents ...

UFCU

Collector - 2nd Shift

Buchanan, MI · On-site

Time: 5% 6. Responsible to prepare and submit recommendations for repossession, charge-off and legal action for assigned portfolio. Time: 5% 7. Responsible for checking e-mails and voicemails and ...

UFCU

Collector - 2nd Shift

Saint Joseph, MI · On-site

$16 - $21.50/hr

Time: 5% 6. Responsible to prepare and submit recommendations for repossession, charge-off and legal action for assigned portfolio. Time: 5% 7. Responsible for checking e-mails and voicemails and ...

United Federal Credit Union

Collector - 2nd Shift

Buchanan, MI · On-site

$16.75 - $22.25/hr

Time: 5% 6. Responsible to prepare and submit recommendations for repossession, charge-off and legal action for assigned portfolio. Time: 5% 7. Responsible for checking e-mails and voicemails and ...

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Showing results 1-20

All JobsRepossession JobsRepossession Jobs in Michigan

Repossession information

See Michigan salary details

$9.6K

$50.4K

$119.8K

How much do repossession jobs pay per year?

As of Jul 6, 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.

How do I become a repossession agent?

To become a repossession agent, you typically need a high school diploma or equivalent, a valid driver's license, and a clean driving record. Some states require licensing or certification, which may involve background checks and training in legal procedures and safety protocols. Gaining experience in security, law enforcement, or automotive fields can also be beneficial.

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 repossession agents make good money?

Repossession agents typically earn an hourly wage or commission-based pay, with salaries ranging from around $30,000 to $60,000 annually depending on experience, location, and workload. The job may involve irregular hours and physical activity, and some agents receive additional compensation for successful recoveries or overtime.

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, problem-solving, and knowledge of legal procedures; some employers may require background checks or training programs. Experience in security, law enforcement, or collections can be advantageous for entry-level positions.

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.

Does repo work pay well?

Repossession jobs typically offer hourly wages that range from minimum wage to around $20 per hour, with some positions offering commissions or bonuses based on recoveries. Pay can vary depending on experience, location, and the employer, and the job often requires strong communication skills and knowledge of legal procedures. Overall, repossession work is generally considered to provide moderate pay compared to other recovery or field service roles.

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 Michigan? The most popular types of Repossession jobs in Michigan are:
What are popular job titles related to Repossession jobs in Michigan? For Repossession jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Repossession jobs in Michigan look for? The top searched job categories for 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
Infographic showing various Repossession job openings in Michigan as of June 2026, with employment types broken down into 100% Full Time. Highlights an 89% In-person, and 11% Remote job distribution, with an average salary of $50,386 per year, or $24.2 per hour.

Collections Specialist

Public Service Credit Union

Romulus, MI • On-site

$17.75 - $24/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 25 days ago

Job description

Description:

PSCU is looking for a motivated and detail-oriented Collections Specialist to join our team. This role plays a crucial part in managing delinquency and ensuring the security of the credit union’s collateral. The ideal candidate will combine financial expertise with excellent communication skills to navigate credit-related challenges effectively. You will be responsible for handling the collections process, ensuring timely payments, and maintaining strong customer relationships, all while performing duties in compliance with regulatory requirements.


Essential Duties and Responsibilities

  • Regularly communicate with members regarding their past-due accounts. Address their concerns, resolve payment issues promptly and verify their current contact information (address, phone number and email, place of employment, source of income).
  • Process advanced collection transactions (i.e., repossessions, bankruptcies).
  • Collect on small charged off accounts; make recommendations on loans to be charged off.
  • Collaborate and support other departments to resolve any issues or discrepancies that may affect account statuses.
  • Gather current data on members thru social media accounts, credit report information, criminal history, property records, etc.
  • Analyze credit reports and loan documents to ensure accuracy of the information provided at the time of the loan.
  • Determine the best course of action to assist the member. Recommend extension agreements or suggest loans tailored to their financial situation.
  • Keep up-to-date notes regarding members. Document conversations, payment arrangements, and any relevant details.
  • Recommend and prepare accounts for repossession and external collection proceedings. Includes legal action and third-party collections as well as providing follow-up support.
  • Analyze loan documents and credit reports. Ensure compliance with collections regulations and policies, identify any potential risk factors.
  • Follow up on legal accounts and recommend plans of action. Represent credit union in court actions.
  • Perform other duties as assigned.
Requirements:

Education and Experience

  • 3+ years of experience in Collections, or related experience
  • High School Diploma or GED

Other Requirements

  • Proficiency in computer usage, including Office 365 SharePoint, Teams, Word, Excel, Outlook, and PowerPoint.
  • Proficient in job related software, core systems.
  • Ability to prioritize tasks and meet deadlines in a fast-paced and evolving environment.
  • Embraces and embodies the PSCU organizational culture and acts as brand ambassador.
  • Excellent presentation, communication, and interpersonal skills
  • A proactive and results-oriented approach to work.
  • Demonstrates personal financial responsibility, integrity, and high work ethics
  • A strong understanding of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Familiarity with these regulations ensures compliance and ethical practices.
  • Detail-oriented with a focus on accuracy and quality.
  • Ability to work effectively both independently and as part of a team.
  • Satisfactory attendance/punctuality record.

What we offer

  • Competitive wages
  • Career growth / Robust training program
  • Work life balance
  • Top quality health insurance (Full Time)
  • Paid Time Off (accrued and available for use immediately)
  • Paid holidays
  • Banking hours / Closed on Sunday’s
  • Tuition Reimbursement
  • 401(K) Plan
  • Dental & Vision Insurance (Full Time)
  • Short & Long-Term Disability (Full Time)
  • Life Insurance (Full Time)

Why join us? At PSCU, we are dedicated to our mission of educating, equipping, and empowering both our team and the communities we serve. By joining us, you’ll be part of a culture that listens to your ideas, supports your growth, elevates and celebrates your achievements, cares for your well-being, and serves with purpose. Together, we create a meaningful impact, and we invite you to be a part of our journey!


To apply, please complete the online application and attach an up-to-date resume.

Apply