Michael Howk



Michael Howk, JD – is the Risk Manager and Director of Education for Recovery Specialist Insurance Group (www.rsig.com).  Mike has spent over 25 years in the repossession industry, and is a recognized national expert in repossession law.
Mike, who is originally from upstate New York, served four years in military intelligence before graduating from the University of New York at Binghamton School of Management with a B.S. in 1977. In 1980 he graduated from Nova University in Florida with a Juris Doctorate. He has been a member of the Florida State Bar since 1980.
He was involved in the development and implementation of the first insurance policy specifically designed for repossession companies. Based on his work and research, he has developed extensive educational programs. He teaches certification courses for recovery specialists nationwide, including a 40-hour state-licensed course for recovery agents in the State of Florida. He worked closely with the States of Louisiana and Illinois during the implementation of their new self-help repossession laws.
He frequently serves as the keynote speaker to associations and groups of clients across the United States to further educate the industry on risk reduction and liability avoidance in repossession and collateral recovery. 


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