Legal Recovery Counsel

Emergency Restoration Experts•Charlotte, NC

1d•Hybrid

About The Position

Responsible for managing and resolving outstanding receivables across all ERX revenue channels, including insurance carrier claims, third-party administrator (TPA) accounts, and direct customer accounts. This role ensures ERX collects on earned revenue through strategic pre-litigation and litigation efforts, while maintaining compliance with applicable law and supporting a culture of operational accountability. FLSA Status: Salaried, Exempt

Requirements

Juris Doctor (J.D.) from an accredited law school with a minimum of 2 years of experience in collections law, insurance recovery, creditors’ rights, or related legal practice.
Knowledge of insurance claims handling, restoration industry billing practices, and property damage claims.
Knowledge of mechanics’ lien laws, creditor remedies, and commercial collections practices.
Active bar admission in North Carolina required.
Active Bar admission in South Carolina or ability to obtain admission within a three month timeframe required.
Ability to read and comprehend legal documents, correspondence, claim files, and contracts.
Ability to write demand letters, settlement agreements, and internal communications clearly and professionally.
Ability to calculate balances, payment plans, interest, and recovery amounts accurately.
Ability to analyze complex claim files and billing disputes, identify the appropriate course of action, and make sound legal recommendations under time-sensitive conditions.
Proficiency in Microsoft Office Suite (Word, Excel, Outlook).
Ability to communicate effectively in writing and verbally in English with insurance carriers, TPAs, attorneys, customers, and internal stakeholders.
Able to represent ERX professionally in all settings.
Ability to view documents, multiple screens, and read printed and handwritten materials.
Must be able to work independently and manage a high volume of accounts and competing priorities.
Must have reliable transportation with a valid driver’s license and insurance.
Problem Solving – Identifies and resolves collections and legal disputes promptly and effectively.
Strategic and Tactical – Able to assess outstanding receivables, develop recovery strategies, and execute actionable steps to meet revenue protection goals.
Negotiation – Strong negotiation and dispute resolution skills.
Oral Communication – Speaks clearly and persuasively with carriers, TPAs, customers, and legal counsel; participates and leads meetings as needed.
Written Communication – Writes clearly and professionally; able to draft demand letters, legal documents, and internal communications.
Teamwork – Able to collaborate with finance, operations, and executive leadership to build consensus and drive collections outcomes.
Diversity – Promotes a harassment-free environment where all individuals are treated with respect.
Ethics – Treats people ethically and with integrity; upholds all professional responsibility standards.
Organizational Support – Supports the organization’s goals, values, and code of ethics.
Judgment – Exhibits sound and accurate judgment; includes appropriate people in the decision-making process; makes timely decisions.
Planning/Organizing – Prioritizes work activities and manages a high volume of accounts efficiently.
Professionalism – Focuses on resolution, not blame. Treats all parties with respect and consideration. Accepts responsibility for own actions. Works independently.
Quality – Demonstrates accuracy and thoroughness in all legal documentation and collections activity.
Quantity – Meets productivity standards and manages caseload effectively.
Safety and Security – Observes company security procedures and handles confidential legal information with discretion.
Follow-up – Organizes and follows up on open accounts, legal matters, and outstanding statuses.
Dependable – Is consistently at work and on time; meets deadlines.
Confidentiality – Ability to maintain confidentiality and exercise sound judgment.

Nice To Haves

Construction or restoration collections preferred.
Familiarity with matter management or case tracking tools preferred.
Knowledge of restoration industry platforms such as Xactimate, DASH, Encircle, or Contents Track is a plus.
IICRC Certifications or restoration industry knowledge are preferred.

Responsibilities

Manage and resolve outstanding balances owed by insurance carriers, TPAs, and direct customers across all active and aged accounts receivable.
Review and analyze claim files, invoices, certificates of completion, and supporting documentation to support collection efforts.
Initiate and manage pre-litigation collection efforts, including demand letters, negotiation, and payment plan structuring.
Prepare, review, and oversee the filing of liens, notices to owner, bond claims, and other legal remedies available to secure payment.
Monitor statutory deadlines and ensure compliance with lien and collection requirements across applicable jurisdictions.
Conduct legal research related to collections, insurance recovery, contract enforcement, and applicable state and federal regulations.
Identify trends and root causes contributing to uncollectible accounts and partner with operational leadership to improve processes and reduce future exposure.
Develop and maintain key performance indicators (KPIs) related to collections, recoveries, litigation outcomes, and aging receivables.
Present recovery trends and recommendations to leadership on a regular basis.
Monitor changes in laws and regulations that may impact collection practices and provide guidance to leadership as needed.
Escalate matters to litigation when necessary; manage outside counsel relationships and serve as primary point of contact for legal proceedings.
Navigate insurance carrier and TPA claim processes to ensure timely payment of approved restoration claims.
Identify underpayments, claim denials, or delayed processing and pursue appropriate remedies.
Communicate directly with insurance adjusters, TPA representatives, and claim departments to resolve disputes professionally and efficiently.
Draft, review, and negotiate settlement agreements, releases, and payment arrangements.
Ensure all collection activities are conducted in full compliance with applicable federal and state law, including the Fair Debt Collection Practices Act (FDCPA) and applicable NC and SC statutes.
Maintain accurate and organized legal files and documentation for all collection matters.
Monitor and report on collections activity, aging reports, and recovery metrics on a regular cadence to leadership.
Collaborate with operations, project managers, and finance to ensure documentation is complete and collectible prior to escalation.
Advise leadership on legal risk associated with collection strategies and outstanding receivables.
Provide guidance and training to internal teams on billing documentation best practices that support collections efforts.
Perform other duties as needed.