Differences

This shows you the differences between two versions of the page.

--- sandbox:negotiations [2022-01-14 16:15] – [Requesting Balance In Full] dnettles
+++ sandbox:negotiations [2022-01-25 15:24] (current) – removed dnettles
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-====== Negotiations ======
-===== 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 accept checks and 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.
-//**At this point you will proceed to ask probing questions**//
-  - 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?
-//**Based on answers to probing questions you will present Guarantor with the best options**//
-==== Settlement (if applicable) ====
-  * **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.
-//**Utilize the information gathered from probing questions to calculate the best payment plan options.**//
-==== Payment Plans ====
-  * **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.