: Incoming Collection Call Scripts

INCOMING CALL Validation Script (Used for all accounts in the validation period.)

Collector: “This is David.”

Debtor: “I need to talk to someone about my account/a letter I received/an item on my credit.”

Collector: “I can help you. Do you have a reference number?”

Debtor: “No.”

Collector: “Okay, I’ll look you up by your name. What’s your first and last name?”

Debtor: “John Smith.”

Collector: “Okay, I have a few John Smiths, what’s your address?”

Debtor: “123 Main Street, New York.”

Collector: “Okay, I found it. You’re still living at the 123 Main Street address then?”

Debtor: “Yes.”

Collector: “Okay, in case we get disconnected, what’s a good number I can call you on?”

Debtor: “801-123-4567.”

Collector: “And are you still working over at ABC Company?”

Debtor: “Yes, but why do you need all of this information? I just want to talk to you about my
account.”

Collector: “I’m just updating your file. Okay, it’s a good thing you called in Joe because your file
has notes on it stating this is something you are refusing to work out therefore we have been
instructed to take the necessary lawful steps that your state allows to resolve this matter you
have with (Client Name) in the amount of $ (Balance).
PAUSE
Now, before I go any further I need to notify you of your rights: THIS IS AN ATTEMPT TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS CALL IS
BEING RECORDED. I specifically wanted to find out if you intend to pay this debt in full by: (give
the debtor a date that is 35 days after our first notice was sent). Do you intend to pay your
account in full by that date?”

INCOMING CALL Post-Validation: Accounts for suit.

Collector: “This is David.”

Collector: “I can help you. Do you have a reference number?”

Debtor: “No.”

Collector: “Okay, I’ll look you up by your name. What’s your first and last name?”

Debtor: “John Smith.”

Collector: “Okay, I have a few John Smiths, what’s your address?”

Debtor: “123 Main Street, New York.”

Collector: “Okay, I found it. You’re still living at the 123 Main Street address then?”

Debtor: “Yes.”

Collector: “Okay, in case we get disconnected, what’s a good number I can call you on?”

Debtor: “801-123-4567.”

Collector: “And are you still working over at ABC Company?”

Debtor: “Yes, but why do you need all of this information? I just want to talk to you about my
account.”

Collector: “I’m just updating your file. Okay, it’s a good thing you called in Joe because your file
has notes on it stating this is something you are refusing to work out therefore we have been
instructed to take the necessary lawful steps that your state allows to resolve this matter you
have with (Client Name) in the amount of $ (Balance).
PAUSE

Now, before I go any further I need to notify you of your rights: THIS IS AN ATTEMPT TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS CALL IS BEING
RECORDED. But, before we proceeded with legal action,I have some different options to help you
get this paid before it goes any further. You do want to resolve this, correct?

Then work payment in full, settlement or monthly payment arrangement with a debit card or
ACH.
They will need to disclose mode of repayment before a payment can be accepted. Do they
have a job or monthly income? A working spouse is a mode of repayment, a working bf or gf is
not.

INCOMING CALL Post-Validation: Accounts we won’t sue.

Debtor: “I need to talk to someone about my account/a letter I received/an item on my credit.”

Collector: “I can help you. Do you have a reference number?”

Debtor: “No.”

Collector: “Okay, I’ll look you up by your name. What’s your first and last name?”

Debtor: “John Smith.”

Collector: “Okay, I have a few John Smiths, what’s your address?”

Debtor: “123 Main Street, New York.”

Collector: “Okay, I found it. You’re still living at the 123 Main Street address then?”

Debtor: “Yes.”

Collector: “Okay, in case we get disconnected, what’s a good number I can call you on?”

Debtor: “801-123-4567.”

Collector: “And are you still working over at ABC Company?”

Debtor: “Yes, but why do you need all of this information? I just want to talk to you about my
account.”

Collector: “I’m just updating your file. Okay, it’s a good thing you called in Joe because our firm
has been asked to resolve the debt you owe to (Client Name) in the amount of $ (Balance) Now,
before I go any further I need to notify you of your rights: THIS IS AN ATTEMPT TO COLLECT A
DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS CALL IS BEING
RECORDED. Our client, (Client Name) has asked to resolve the $ (Balance) immediately, using
whatever lawful means are necessary to do so. I’m assuming you called because you are going
to pay your account in full today.

Do you intend to pay your account at this time?

INCOMING CALL Post-Validation: Existing Judgment.

Collector: “This is David.”

Debtor: “I need to talk to someone about my account/a letter I received/an item on my credit.”

Collector: “I can help you. Do you have a reference number?”

Debtor: “No.”
Collector: “Okay, I’ll look you up by your name. What’s your first and last name?”

Debtor: “John Smith.”

Collector: “Okay, I have a few John Smiths, what’s your address?”

Debtor: “123 Main Street, New York.”

Collector: “Okay, I found it. You’re still living at the 123 Main Street address then?”

Debtor: “Yes.”

Collector: “Okay, in case we get disconnected, what’s a good number I can call you on?”

Debtor: “801-123-4567.”

Collector: “And are you still working over at ABC Company?”

Debtor: “Yes, but why do you need all of this information? I just want to talk to you about my
account.”

Collector: “I’m just updating your file. Okay, it’s a good thing you called in Joe because because
your file has notes on it stating this is something you are refusing to work out therefore we have
been instructed to take the necessary lawful steps that your state allows to resolve this matter
you have with (Client Name) in the amount of $ (Balance).
PAUSE

Now, before I go any further I need to notify you of your rights: THIS IS AN ATTEMPT TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS CALL IS BEING
RECORDED. But, before we proceeded with legal action,I have some different options to help you
get this paid before it goes any further. You do want to resolve this, correct?

Then work payment in full, settlement or monthly payment arrangement with a debit card or
ACH.
They will need to disclose mode of repayment before a payment can be accepted. Do they
have a job or monthly income? A working spouse is a mode of repayment, a working bf or gf is
not.

Loan Attempt before Payment Script for anything beyond 90 day PPA

Debtor: “Can I make payments?”

Collector: Before we discuss payment options, I need to update your personal information:
What’s your current home address? What is your current phone number? Do you have a cell
phone? What is the name of your employer? What is their address and phone number? What is
the name of your spouse?

Where do they work? What is that address? What is the number there?

Collector: “Okay, thank you for updating your information with us. Our firm's policy will only
allow me to discuss payment options beyond 90 days after you apply for a loan. If you are
approved for the loan you are set because you can make monthly payments to them. If you are
turned down, and you can send me a copy of the letter of denial, I can discuss payment options
– but not before. So you’re going to get payments either way, it’s just that we require you to try
that option first. There are a few ways you can go about this. The first and best option would be
to borrow the money from a friend or relative. What friend or family member will loan you the
money?”

Friends or Family:

Debtor: “I think I can borrow this from my Mom.”

Collector: “Okay, give her a call right after we get off the phone and then call me back to let me
know

when you can have the account paid.”

Debtor: “I can’t call her until I get off work tonight.”

Collector: “Okay, no problem, so, you’ll talk to her tonight after work at maybe 6:00 o’clock?”

Debtor: “Yeah, probably around then.”

Collector: “Okay, call her tonight at six. By the way, what’s her name?”

Debtor: “Why do you need her name? “

Collector: “If I’m going to hold this from moving forward to recursive action until tomorrow, I
need to know her name so I can tell my boss.”

Debtor: “Okay, it’s Mary Jones.”

Collector: “Okay, sounds good. Call me back first thing tomorrow. I will be in at 8:00 so call me
then.”

Bank or Credit Union:

Collector: “The next best option would be your own bank or credit union. It will be the fastest
and most convenient way for you to get a loan. Are you a member of a credit union or do you
have a checking or

savings account with a bank?”

Collector: “Which one?”

Debtor: “America First.”

Collector, “Okay, call them right after we get off the phone and start the process for a loan. Then
call me right back.”

Debtor: “I can’t call them right now.”

Collector: “Okay, no problem, what time today can you call them?”

Debtor: “I can call on my afternoon break.”

Collector: “What time is that?”

Debtor: “3:00 o’clock.”

Collector: “Okay, call them at three and call me back after you talk to them and let me know
what they said.”

Debtor: “Okay.”

Loan Company:

Debtor: “I don’t have any accounts at a bank or credit union.”

Collector: “No problem, I’ll look up some names and numbers for two loan companies near your
home.

(Collector looks them up on Google) I see that ABC Loan @ 801-123-4567 is close to your home.
Or you can call XYZ Loan @ 801-345-6789 . Which of these do you want to call?”

Debtor: “I’ll call ABC.

Collector: “Okay, are you going to call them right now?”

Debtor: “No, I’ll call them on my lunch break today.”

Collector: “Okay, what time is that?”

Debtor: 1:00 o’clock.”

Collector: “Okay, call me back after you talk to them today so that I know you’re working on
this?”

Debtor: “Okay.”
Confirm Date and Time:

Collector: “Now, before we get off the phone I need to confirm a few more things. Today is
(today's date); I will hold your account for seven days until (Date of 7 days later). This will give
you time to work out the details of getting the loan. Remember, if you are turned down for the
loan, we can discuss payment options, but if I don’t hear back from you, this account will be
accelerated to recursive action against you. Okay?”

Debtor: “Okay, I’ll make sure I have the loan by then.”

Payment Options Script

Half now and half in 30 days (Two payment option)

Collector: “Okay, now that I’ve seen your letter of denial, I can discuss some possible payment
options.

To keep it simple, can you pay ½ today and the balance in 30 days? “

One-third now, one-third in 30 days, and a final third, 30 days after that (Three Payment option)

Collector: “How about we split it in thirds, one-third today, one-third in 30 days, and a final
payment 30 days after that. For your account, since you owe $1,000 that would mean $333
today, $333 next month, and a final payment of $333 a month later. Would that work for you?”

Four payments over the next 90 days (Four Payment option)

Collector: “This is my last option. The best I can do is allow you to split this into four equal
payments. Since your bill is $1,000 that would be $250 today, $250 in 30 days, $250 30 days after
that, and a final $250 thirty days later. Your account will be paid in full within 90 days from today
and you avoid recursive action. I can also keep this from reporting to your credit (if it hasn’t
already) as long as you set the payments up to be run automatically. Does that work for you?”

Incoming call script “I’m calling to pay my bill”

Collector: “This is David.”

Debtor: “Hi David, I’m calling to pay my bill.”

Collector: “Great, what’s your reference number?”

Debtor: “I don’t know.” Or “I don’t have it.” Or some other no answer.

Collector: “That’s okay; I’ll look you up by your name. What’s your first and last name? (Ask the
debtor to spell their last name if necessary.)”

Debtor: “John Smith.”

Debtor: “123 Main Street, New York.”

Collector: “Okay, I found it. Is 123 Main Street your current address?”

Debtor: “Yes.”

Collector: “Okay, in case we get disconnected, what’s a good number I can call you back on?”

Debtor: “801-123-4567.”

Collector: “And are you still working over at ABC Company?”

Debtor: “Yes, but why do you need all of this information? I’m just calling to pay my account.”

Collector: “I’m just updating your file. Okay, it’s a good thing you called to pay because our firm
has been asked to collect the FULL BALANCE in the amount of $ (Balance) . I’ll take your payment
information in a moment but first I must tell you that: THIS IS AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS CALL IS BEING
RECORDED. Okay, you’re calling to pay the full balance today right?

Debtor: “Yes.”

Collector: “Great. Do you want to pay with a Visa, MasterCard, Discover, American Express or
with a check over the phone?”

How Did You Get My Number Scripts

How did you get my number? (Relative)

Collector: “Darlene?

Relative: “Yes?”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Relative: “How did you get my number?”

Collector: “I have a database that is similar to the phone book, and it has you listed as a possible
relative, but I’m only calling you to confirm her number is still 8015552121. That’s still her
number, right?

How did you get my number? (Neighbor)

Collector: “Hi is this the Johnson residence?”

Collector: “Hi, my name’s Bill and I’m calling about a neighbor of yours: Lisa Smith over at 123
Your Street. You know Lisa right?”

Nearby: “Oh yeah, I know Shelley.”

Collector: “Oh, great! Hey, I was trying to confirm her number is still 8015552121. Do you know if
that’s still her correct number?”

Nearby: “How’d you get my number?”

Collector: “I have a database that is similar to the phone book, and it has you listed as a possible
neighbor, but I’m only calling you because I was hoping you could confirm she still lives there and
her number is 8015552121. That’s still her number, right?”

What's this about?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “I’m her mother. What’s this about?”

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith, and I’m calling from Texas trying to confirm
the number I have for Lisa is still the correct one. 8015552121 is still her number, right?

Asking for a home number when speaking with a reference:

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith, and I’m calling from Texas trying to confirm
the number I have for Lisa for 8015552121 is still her correct number. That’s still her number,
right?

Asking for the name of the Debtor’s Place of Employment:

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith, and I’m calling from Texas trying to confirm
that Lisa still works over at ABC Company. She still works there, right?

Why are you calling me?

Collector: “Hi, is this the Johnson residence?”

Collector: “Hi, my name’s Bill, and I’m calling about a neighbor of yours: Lisa Smith over at 123
Your Street. You know Shelley, right?

Nearby: “Oh yeah, I know Shelley.”

Collector: “Oh, great! Hey, I’m trying to confirm that her number is still 8015552121. Do you
know if that’s still her correct number?

Third Party: “Yes, but why are you calling me?”

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith, and I’m calling from Texas trying to confirm
the number I had for her was correct. Do you know where she’s working by chance?

Are you a friend of his or hers?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “Are you a friend of hers?”

Collector: “Oh, no I’m not a friend of hers; Not at all. I’m just trying to confirm the number I have
for her is still hers, and I was hoping you might know. 8015552121 is still her number, right?

Why did you call me?

Collector: "This is Bill."

Third party or consumer: "Hi, Bill. I received a call from this number and I'm not sure why. Why
did you call me?"

Collector: “Is this number you’re calling in on the number we called?

Third Party or consumer: “Yes.”

Collector: “Ok, let me look that up and tell you why we called.

If they aren’t calling in from the same number:

Third party: “No.”

Collector: “Ok. What number did we call? I can look it up and tell you why we called.”
Is this an emergency?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “Is this an emergency?”

Collector: “Oh, no it’s not an emergency; Not at all. I was actually just trying to confirm I had her
current number. I was hoping you might know. That’s still her number, right?

What does your company do?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “Who is this?”

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith, and I’m calling from Texas trying to confirm
the number I have for Lisa is the correct one. 8015552121 is still her number, right?

Third Party: "What company are you with?

Collector: “Dasgasdas & Associates. Do you know if that’s still her number?”

Third Party: What does Dasgasdas & Associates do?

Collector: “Oh I’m sorry. I should have told you. We handle some highly confidential and private
personal business matters for different clients. It’s important I get a hold of Lisa so I can tell her
about a new development regarding a personal business matter of hers. Do you know if
8015552121 is still her number?

Are you a collection agency?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?
Third Party: “Bill who?”

Collector: “Oh, I’m sorry; I should have introduced myself better and told you why I’m calling. Let
me tell you what this is about. My name is Bill Smith and I’m calling from Texas trying to confirm
the number I have for Lisa is the correct one. 8015552121 is still her number, right?

Third Party: "What is Dasgasdas & Associates?

Collector: "Dasgasdas & Associates is a Judgment Recovery Firm."

Third Party: "Are you a collection agency?"

Collector: “We handle some highly confidential and private personal business matters for
different clients. I wouldn’t be able to discuss any of the details without Lisa’s permission first
but I’m only calling you to see if you can confirm her number is still 8015552121, do you know
that’s still her correct number?

Third Party: "What kind of matters?"

Collector: “We handle some highly confidential and private personal business matters for
different people. I apologize but I wouldn’t be able to discuss this with you without Lisa’s
permission because doing so would divulge the confidential nature of this matter. Is that still her
correct number?

Have you contacted or talked with her or him before?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: Yes, that’s her number. Have you talked to Lisa before?

Collector: “No, I’ve actually never spoken to her. But like I said, I was hoping you could confirm
that 8015552121 is still her number.

Do they know you?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: Do they know you?”

Are they going to know who you are?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “Is she going to know who you are?”

Collector: “Probably not. I’ve never met or even talked to her before, but I was just wondering if
you could confirm her number for me. Is it still 8015552121?

Are they going to know what this is about?

Collector: “Hi, Darlene?”

Third Party: “Yes.”

Collector: “Hi Darlene, my name is Bill, and I’m calling you because I’m hoping you can confirm
the number I have for Lisa is still correct. 8015552121 is still her number, right?

Third Party: “Is she going to know who you are?”

Collector: “You know what? Probably not, but I only needed to confirm the number I have for
her is the right one. Do you know if the 8015552121 is still her number?

Insurance and Medicaid/Medicare Scripts

"My insurance should have paid that bill."

It all starts when you hear something like this: "I have insurance." or "My insurance should
have paid that." or "You need to bill my insurance." or "You need to talk to my insurance."

Collector: "Before I discuss your insurance, let me make sure we have all of your personal
information updated. You’re still at 123 Your St., right? And your phone number is 801-123-4567
and you still work at ABC Company, right?”

If the account is owed to one of our clients that DOES NOT rebill insurance, you will say:

Collector: “I’m sorry, but we do not rebill insurance for ---___ (client name) . However, I can send
you the proper documentation so you can rebill your insurance, but you have to pay us in full—
we won’t be able to rebill (or bill) your insurance for you.
At this point you will then recite the appropriate collection call script:

Collector: "Your account is in collections. If you don’t pay, it will be reported to your credit (or it
already has been), and eventually I’ll have to accelerate the file to legal status and move towards
recursive action if it remains unpaid (if appropriate). The best thing for you is to pay this today,
then have your insurance company reimburse you. I would be happy to send you the documents
you’ll need to send to your insurance company. That will protect your credit and ensure you
don’t get sued. It really is the best option. Do you want to go ahead and do that?”

Consumer: “I’m not going to pay this. I have insurance.”

Or “It's your fault for not billing it correctly in the first place.”

Or “It’s not my responsibility; you need to talk to them.”

Or something similar when you have an account like this you will say:

Collector: “I’m sorry but at this point the account is in collections and we are not required to
rebill your insurance. We offer that service as a courtesy, but ONLY if you call your insurance first,
and confirm they will pay this bill. I can put a hold on the account for five days in order for you to
do that. Would you like me to put your account on hold so you can call your insurance company
and confirm they will pay?”

If the consumer continues to refuse to call their insurance company and says something like:

Consumer: “No, I’m not going to call them. You call them.”

Or something similar. You will respond with:

Collector: “I can’t call them, they won’t talk to me, you have to call them, and you have to
confirm they will pay before we can submit a rebill. If you don’t want to do that I understand,
but I can’t submit a rebilling request unless you confirm with them first.”

If the consumer finally agrees to call their insurance to confirm THIS EXACT BILL will be paid,
you would then say:

Collector: “Make sure you confirm they will pay THIS bill for THIS date of service, owed to CLIENT
NAME. Also, ask what forms they will need to process the claim. If they do agree to pay, call me
back and I will take the necessary information and rebill (or bill) your insurance."

Consumer Calls Back:

Consumer: "My insurance company said they will pay this bill."

Collector: "Okay, do you need any specific forms or will a collection notice or an itemized
statement of the charges be enough?

Consumer: "They said they will need HFCA form or a UB-40 form."

Collector: "Okay, let me get you over to our Insurance Rebill Specialist and they will be able to
help you." Transfer the consumer to Extension XXXX (the insurance rebill specialists call group).
The next available Insurance Rebill Specialist Collector will take the call and process the account
to be rebilled.

Consumer Calls Back:

Consumer: "My insurance company said they will pay this bill."

Collector: "Okay, do you need any specific forms or will a collection notice or an itemized
statement of the charges be enough?

Consumer: "They said all they need is an itemized statement."

Collector: "Okay great, where would they like me to send them the itemized statement?"

Consumer: "Send it to ABC Insurance at 123 Rebill Lane or you can fax it to 801-123-4567, or
email it to InsuranceCompany@Emailaddress.com.”

Insurance Company Representative Calls Back:

If a representative from an insurance company calls back, follow this script: (Make sure you have
permission to speak with the 3rd party first.)

Third party: "We never received a claim for this account. We will pay it if you can bill us."

Collector: "Okay, do you need any specific forms or will a collection notice or an itemized
statement of the charges be enough?

Third party: "We will need the HFCA (HFCA 1500) form” or “We will need a UB-40 form."

Collector: "Okay, let me get you over to our Insurance Rebill Specialist and they will be able to
help you."

Transfer the insurance company representative to Extension XXXX (the insurance rebill
specialists call group). The next available Insurance Rebill Specialist Collector will take the call
and process the account to be rebilled.

Insurance Company Representative Calls Back:

If a representative from an insurance company calls back, follow this script: (Make sure you
have permission to speak with the 3rd party first.)
Third party: "We never received a claim for this account, or this was never properly billed, or we
just need it to be submitted to us."

Collector: "Okay, do you need any specific forms or will a collection notice or an itemized
statement of the charges be enough?"

Third party: "A collection notice, or an itemized statement will be enough."

Collector: "Okay great, what is the email address or fax number or mailing address you would
like me to send it to?"

Third party: "Send it to InsuranceCompany@EmailAddress.com or ABC Insurance at 123 rebill

Medicaid

If the consumer has Medicaid and they say:

Consumer: "Medicaid should have paid this bill."

Medicaid denied

If Medicaid denied the claim you would say:

Collector: "Medicaid was billed but they denied your claim. You will have to pay this bill
yourself."

Follow up script

Follow up call

If you think that one more call to the debtor will get the account collected, then make that call.
When you get a hold of the debtor use one of the following scripts:

Accounts for suit:

Collector: “Is this John Q. Debtor?”

Debtor: “Yes.”

Collector: “John, this is _____________ from Dagasdas & Associates. I’m calling about the
account you have with (Client name). Before I go any further I must tell you that this call is being
recorded, and this is a communication from a debt collector. John I’m calling because I didn’t get
the payment of _________ you promised to send and I wanted to know if you were going to pay
this or if I should forward your file for to begin recursive action against you. Are you going to pay
this to stay out of court?”
Debtor: “Yes.”

Collector: “In order to avoid being sued this must be paid today, what time will you be in our
office today?

Accounts we won’t sue:

You: “Is this John Q. Debtor?”

Debtor: “Yes.”

You: “John, this is _____________ from Dagasdas & Associates. I’m calling about the account for
(Client name). Before I go any further I must tell you that this call is being recorded, and this is a
communication regarding a debt. John I’m calling because I didn’t get the payment of _________
you promised to send and I wanted to know if you were going to pay this or not. Are you going
to pay this?”

Debtor: “Yes.”

You: “What time will you be in our office today?

Calling a property owner, Landlord or Apartment Manager

Property Owner: “Hello.”

Collector: “Hi, John?”

Property Owner: “Yes.”

Collector: “Hi John, my name is Bill and I’m calling about Steve Dalton, you know Steve right?”

Property Owner: “Yeah, he rents one of my properties.”

Collector: “Oh good. He is still at the 123 Main Street, right?”

Property Owner: “Yeah that is my property he is renting.”

Collector: “Oh good. I have been trying to reach him at the 8013641234 but I think I may have
the wrong number because I haven’t been able to reach him. I was hoping you could confirm if
that was still his number. Do you know if that’s his?”

Property Owner: “I believe so. As far as I know that is still it.”

Collector: “Okay. Thank you. Just in case I can’t reach him on that number, do you know where
he is working?”

Property Owner: “Yeah, he is working at ABC Company.”

Collector: “Perfect. Thank you for your help. Have a nice day.”
Landlord: “Hello.”

Collector: “Hi John?”

Landlord: “This is Steve; John is renting our basement right now.”

Collector: “Oh, is this the 123 Street?”

Landlord: “Yeah, we are just renting out our basement to John.”

Collector: “Oh good. So is this a correct number for him or is the 8011234567 (the number from
the client) his correct number?”

Landlord: “The number you are calling is mine. His is the 8011234567 number.”

Collector: “Okay. Thank you. Just in case I can’t reach him on that number, do you know where
he is working?”

Property Owner: “Yeah, he is working at ABC Company.”

Collector: “Perfect. Thank you for your help. Have a nice day.”

Apartment Manager: “Hello.”

Collector: “Hi, is this ABC Apartments?”

Apartment Manager: “Yes. How can I help you?”

Collector: “Oh good. My name is Steve and I am calling about a tenant of yours, John Doe, over
in apartment 123 on 123 Main Street. You know John, right?”

Apartment Manager: “Yes.”

Collector: “Okay good. He is still living there right?”

Apartment Manager: “Yes. Can I help you with something?”

Collector: “Yeah. I have been trying to call him at the 8011234567 number and haven’t been
able to reach him. Is that still his correct number?

Apartment Manager: “I am not sure.”

Collector: “Oh, okay. Do you know where he is working? I could try calling him there?”

Apartment Manager: “He works over at DCR.”

Collector: “Perfect! I will try calling him over there. Thank you!”