Florida Edition of the Certified Asset Recovery Specialist (CARS) Program

Associated Courses


The C.A.R.S. Program was developed by RISC Education Systems and is licensed by the Florida Division of Licensing, license number RS9500001. By successfully completing the C.A.R.S. Florida Program you will be certified as having met the Divisions mandatory training requirements for licensure to perform collateral recovery (repossession) services. Florida applicants are required to provide the Division of Licensing with a photocopy of the certificate along with their license application.

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The CARS certification program closes the window of legal liability for creditors and forwarders concerning their contracted repossession company service providers. The CARS certification program was written by licensed Florida educators with hands-on experience, in conjunction with Hudson Cook, LLP, one of the nation’s preeminent law firms in the area of consumer financial services. The CARS certification covers all state and federal law that impacts the self-help repossession process and it has been put to the test in a court of law proving the recovery agent acted lawfully. And, CARS is accepted by industry leading lenders and forwarders in all 50 states.

The Florida Certified Asset Recovery Specialist® (CARS) National Certification Program covers all of the course material within the National CARS Certification as well as important state-specific details for agents working within the State of Florida.

The course consists of fourteen (14) sections critical to operating in the repossession industry. This covers the following key subjects including;

  • Updated and specific collateral recovery requirements and regulations within the State of Florida
  • Fair Debt Collections Practices Act (FDCPA)
  • Gramm-Leach-Bliley Act (GLBA)
  • Unfair Deceptive or Abusive Acts or Practices (UDAAP)
  • Servicemembers Civil Relief Act
  • Uniform Commercial Code
  • Breach of Peace
  • Personal Property Handling
  • Asset (Collateral) Recovery Process
  • Skip Tracing
  • Ethics and Communication
  • Defensive Driving
  • Tow Truck Operation
  • Insurance Coverage’s critical to these operations.
  • And much more

All graduates of the Certified Asset Recovery Specialist® National Certification Program will receive a certificate of completion and be verifiable through the Verification Page. Also available to graduates of the program is a digital badge with our trademarked logo and designation of Certified Asset Recovery Specialist® (CARS®) to use on company advertising and websites. To maintain your listing on the RISC website you will need to complete one CARS Continuing Education course annually. By completing the course you will maintain your CARS CE designation on the website.

NOTE: In Section 13; Forms, you will find an Affidavit of Final Testing Form attesting that the final exam was properly monitored, with signatures of both the individual who tested and the monitor. It is important that this document be placed in the permanent personnel file of the individual who tested. In the event the individual who tested becomes involved in litigation, this is an important document to present to the Court as proof that this individual was properly monitored.

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