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sandbox:negotiations [2022-01-14 16:26]
– [Payment Plans] dnettles
sandbox:negotiations [2022-01-25 15:24] (current)
– removed dnettles
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-====== Negotiations ====== 
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-===== Requesting Balance In Full ===== 
-  * **Collector:** My name is…. And I am a debt collector with Armstrong and Associates. Under federal law I must advise you that this communication is from a debt collector, and this is an attempt to collect a debt. \\ Any information obtained **will be used for that __purpose and this call is being__ recorded.** We have an account in our office from….. with a total balance due of $1,524.30. We acc<del>ept checks an</del>d cards over the phone, how would you like to take care of this balance in full today?  
-  * **Guarantor:** I don’t have the money to pay all of that. 
-  * **Collector:** Okay, we can look into some different options for you. 
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-//**At this point you will proceed to ask probing questions**//   
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-  - Are you currently working?  
-  - How often do you get paid?  
-  - Are you the only source of income?  
-  - How much disposable income do you have after monthly expenses? 
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-//**Based on answers to probing questions you will present Guarantor with the best options**//   
-  
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-==== Settlement (if applicable) ==== 
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-  * **Collector:** Looking over your account I see that you qualify for a settlement offer. I can save you $457.29, bringing that total balance due down to $1,067.01. We accept checks and cards over the phone. How would you like to process that settlement today?  
-  * **Guarantor:** That is still too much for me to pay all at once. Is there something else we can do? 
-  * **Collector:** Absolutely! We can set you up on a payment plan based on your pay schedule and disposable income. Give me just a moment to get that together for you.  
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-//**Utilize the information gathered from probing questions to calculate the best payment plan options.**// 
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-==== Payment Plans ==== 
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-  * **Collector:** Absolutely! We can set you up on a payment plan based on your pay schedule and disposable income. So I will set you up for $200.00 every two weeks. This gives you roughly four months and the balance will be paid in full. When would you like for that first payment to come out?  
-  * **Guarantor:** Sounds good. I can make the first payment on 00/00/00.  
-  * **Collector:** Awesome! Give me just a moment to set that up for you.      
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-Now is the time for all good men to come to the aid of their countrymen. This is a test of my terrible typing skills. Now is the time for all good men to come to the aid of their countrymen.  
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-This is a test of my terrible typing skills. Now is the time for all good men to come to the aid of their countrymen. This is a test of my terrible typing skills. 
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-This is my <sup>note</sup> 
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-This is the 1<sup>st</sup> one 
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