EPB

Collections Paralegal

Chattanooga, TN

About This Job

JOB SUMMARY:

The Collections Paralegal will specialize in collections and bankruptcy within the Credit Collections Department and will possess a strong understanding of creditor's rights, debt collection laws (including the FDCPA), and bankruptcy procedures (Chapters 7, 11, and 13). This role requires exceptional organizational skills, meticulous attention to detail, and the ability to manage a high volume of work efficiently while ensuring compliance with all applicable regulations and internal policies. The Collections Paralegal will support the internal collections team and liaise with both internal and external legal counsel when necessary. Additionally, the Collections Paralegal will compassionately, respectfully, and professionally directly engage with customers on complex collections matters.

DUTIES RESPONSIBILITIES:

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Monitor and manage a portfolio of collection accounts, including pre-litigation, litigation, and post-judgment enforcement matters.

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Track and manage accounts in active bankruptcy (Chapters 7, 11, 13) to ensure proper handling and compliance with bankruptcy rules.

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Maintain accurate and up-to-date account files, both electronic and physical.

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Monitor court dockets and bankruptcy filings for relevant activity impacting company accounts.

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Prepare and negotiate documents related to collections, such as demand letters, affidavits of debt, payment agreements, and settlement documentation.

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Assist in the preparation of documents for judgment enforcement, including garnishments, liens, and writs of execution, in coordination with internal legal counsel or outside firms.

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Assist leadership to ensure all collection activities comply with federal and state debt collection laws (e.g., FDCPA, TCPA) and internal company policies.

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Support Credit Collections team with legal escalations and documentation.

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Prepare, review, and file proofs of claim in bankruptcy cases (Chapters 7, 11, 13).

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Monitor bankruptcy plan payments and communicate with trustees regarding company accounts.

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Request and negotiate adequate assurance of payment according to bankruptcy law.

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Evaluate and allocate customer security deposits between prepetition and post-petition obligations according to bankruptcy law.

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Draft and prepare motions for relief from automatic stay objections to bankruptcy plans, and objections to discharge when appropriate, for review by internal counsel or outside firms.

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Coordinate with the internal Legal Department on bankruptcy matters requiring legal action.

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Handle inbound and outbound customer calls related to bankruptcy filings, debt inquiries, and other complex collection matters.

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Engage with customers in a consistently compassionate, respectful, and professional manner, effectively communicating complex legal and account information.

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Liaise with internal Collections Representatives, leadership, and internal legal counsel regarding account status and legal strategies.

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Provide clear and concise updates on account status and legal developments to relevant internal stakeholders.

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Organize and maintain legal and account documentation for the Credit Collections Department.

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Manage deadlines and reminders for legal and compliance actions.

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Serve as a back-up for other credit and collections functions as needed, demonstrating flexibility and a willingness to learn new tasks.

EDUCATION EXPERIENCE:

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Associate's degree or Bachelor's degree in Paralegal Studies or a related field required (or equivalent combination of training and experience).

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3+ years of experience as a paralegal or similar role, specifically with experience in collections and bankruptcy law.

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Experience in the Utility industry or other regulated industry preferred.

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Proficient knowledge of the Fair Debt Collection Practices Act (FDCPA), state debt collection laws, and the U.S. Bankruptcy Code (Chapters 7, 11, and 13).

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Proficiency in legal software tools (e.g., Westlaw, LexisNexis, PACER) and familiarity with court electronic filing systems.

CERTIFICATIONS OTHER REQUIREMENTS:

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Paralegal certificate from an ABA-approved program preferred.

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Possess or be able to obtain a Tennessee Notary Public commission.

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Strong computer skills, including Microsoft Office Suite (Word, Excel, Outlook).

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Exceptional verbal communication and active listening skills, with the ability to handle sensitive conversations with empathy and clarity.

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Excellent written and verbal communication skills, with an emphasis on professional correspondence.

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Superior organizational skills and meticulous attention to detail.

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Ability to work independently, prioritize tasks, and manage a high volume of work in a fast-paced corporate environment.

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Strong analytical and problem-solving abilities, with a proactive approach to identifying and resolving issues.

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Commitment to maintaining confidentiality and adhering to ethical standards.

May perform other duties as assigned.

All employees, pursuant to their job duties, should demonstrate the behaviors of Professional Empowerment and comply with all EPB policies, standards, and guidelines.

EPB provides electric and communications services, which are considered critical infrastructure by the Department of Homeland Security. This EPB job is essential to support this critical infrastructure and may be required to work onsite or in the field to maintain these services.

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About This Job

EDUCATION EXPERIENCE:

CERTIFICATIONS OTHER REQUIREMENTS:

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