Hey I am John Vergel

More Info About Me

Third-Party Senior Debt Collection Specialist with over 4 years of hands-on experience managing international and domestic debtor accounts. Proven track record of handling 160+ overdue, past-due, and disputed accounts while maintaining compliance with HIPAA and FDCPA standards. Skilled in negotiating flexible payment plans, Promise to Pay (PTP) agreements, and settlements. Detail-oriented in manual payment posting, ledger reconciliation, and managing loan portfolios across various CRM tools.

CORE COMPETENCIES & CERTIFICATIONS

Certifications & Compliance: HIPAA Certified, FDCPA Certified, Regulatory Compliance
Collection Capabilities: International & Canadian Collections, 1st & 3rd Party Recovery, PTP Agreements, Debt Settlement, Dispute Resolution
Tools & Software: Margill Loan Manager, RingCentral, Heymarket, Outlook, Excel, Interac e-Transfers, Auto-Debit (PAD)

John Vergel Espalto Petalbo
Pasig City, Philippines
maputiregimar@gmail.com
Freelancer
View Work Hire Me

Third-Party Collection and Payment Processing Specialist

Debt Collection
Customer Service

Certificates

My Experience and Education

  • EXPERIENCE
  • EDUCATION
2014-2016
Bachelor of Science in Psychology

Calamba Doctors College

2013
Humanities and Social Sciences (HUMSS)

Senior High School Diploma

March 2025 - Present
Alphaloan
(Third-Party Collection and Payment Processing Specialist)

1. Handle past-due Canadian loan portfolios through omnichannel outreach using RingCentral, Heymarket SMS, and Outlook.

2. Work directly with borrowers to negotiate practical payment arrangements, PTPs, and settlements that fit their situation while meeting lender recovery targets.

3. Process Interac e-Transfers and monitor Auto-Debit (PAD) payments, manually allocating funds across multiple loans in Margill Loan Manager and Excel.

4. Keep loan records clear and accurate by adjusting amortization schedules, tracking balances, and maintaining clean audit trails.

March 2024 - February 2025
Intelogix
(Senior Collection Specialist)

1. Managed 1st-party telecom collections, contacting customers to clear overdue balances and resolve billing issues.

2. Set up manageable payment schedules to lower delinquency rates while keeping customer relationships positive.

3. Hit monthly collection targets through clear communication, quick follow-ups, and organized account records.

March 2023 - March 2024
Transworld Systems Customer Service Philippines LLC
(Collection Specialist)

1. Reached out to clients via phone and formal written notices to collect on past-due accounts.

2. Counseled delinquent customers on their balances and helped them find viable ways to meet their debt obligations.

3. Followed all federal and state debt collection laws strictly during customer calls and account reviews.

January 2022 - February 2023
Altair Global Solutions
(Debt Collection Specialist)

1. Handled inbound and outbound calls to discuss overdue accounts and negotiate payment terms.

2. Logged call notes, payment promises, and account changes accurately in the system CRM.

3. Escalated complex accounts and legal cases to management when standard collection efforts required further approval.

My Services

Debt Collection

Handle past-due Canadian loan portfolios through omnichannel outreach using RingCentral, Heymarket SMS, and Outlook.

Customer Service

Exceptional customer service by assisting customers with inquiries, resolving concerns, and delivering professionalism.

Virtual Assistant

Reliable Virtual Assistant skilled in admin tasks, client support, scheduling, data entry, and process improvement.


Works

Skills and Tools to be a ...

Let's work together !

I am available for freelance projects.
Hire Me

johnvergelpetalbo28@gmail.com
+639673424653

Address :
Pasig City,
Philippines
Email :
maputiregimar@gmail.com


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