Michelle is a a fully bilingual, empowered minded individual with consumer, sales and marketing skills that aide in promotion of growth, learning, and profitability. 
She possess well-developed leadership skills, with emphasis on training, motivation, and team building.  She thanks God for her key strengths which include Spanish fluency, dynamic communications and translation skills, and project implementation skills.
 
Michelle has been active in the work force since 1983 working with various insurance carriers to secure the most comprehensive yet cost effective insurance for her clients.  She is an independent insurance agent with her own agency "Collard Team Insurance Agency, LLC which she has profitably run and operated for the last 5 years  working with over 20 carriers in all aspects of insurance from Life and Health to Property and Casualty.
 
Previously Michelle handled a position as Branch Manager for 8 years with Morgan Capital of Arizona, in which she managed a net branch of the mortgage brokerage with 13 employees under her supervision.  She was able to consult and advise as needed with loan officers to increase production and assist with professional development needs by providing lender training on products, income and asset requirements, web-site training, and customized pricing classes.   Training provided on outside lender products and correspondent lender products, as well as creative financing for both residential and commercial business.
 
During this time she and an associate decided to start an insurance agency within the same building as the mortgtage office and it was more successful then she anticipated.  The partners part amicably and what started as Collard Furr Insurance Agency became Collard Team Insurance Agency which now continues to grow with more than just insurance, there is also a wealth of information taught so her clients may make an informed and empowered decision in choosing their insurance carriers and coverages.  Now she has done it again starting Legal Writes, LLC which she works with Maria Celina Gil a Licensed Legal Document Preparer to help people complete legal documents they would otherwise be doing on their own.  Again, success knocks at her door.  She gives all credit to God for her drive and success.   
Amazingly enough Michelle has time to also help others grow as she works with and/or is involved with the creation of various other organizations such as:
Iglesia Agua Viva church – Sr. Pastor 2007 to present
Living Word Bible Church - Pastor of Spanish Ministry  2000 -2008
Edge Jr. High School Ministries- Volunteer Bible College teacher 1999-2001
Maricopa County Jails - volunteer Chapel Ministries 1999 - 2005
Another Chance Volunteered as a Youth Counselor    1997
Ann Stork Center ICF/MR Mentally Disabled Children/   1993-1996 
Klemmer and Associates – Contract Facilitator June 2006 to June 2007
National Association of Mortgage Brokers – Affiliation 2003
Living Word Business Connection Group – Member since 2001
Professional Insurance Association – secured CISR designation 2001
Word of Faith Bible Training Center - Graduated 2000
Florida Atlantic Univ/PIA - Courses for Assoc Risk Management 1995-1996
College of Insurance - Cert Casualty Underwriting Continuing Ed 1991-1992
*       Association of Independent Paralegals 2011-2012
          
 
 
 
Biography: