Suggested Creditor Phone Call Scripts

When a debt becomes past due, it is the creditors right to call the debtor to attempt to collect on this debt.  It is your choice how you wish to handle these collection calls.  Many Paydoff Users find it beneficial to allow calls to go to their voicemail.   As a Paydoff User, visit the Paydoff Guidance Central to report when you have received collection calls and to receive guidance on how to best handle creditor phone calls.  If you are not with Paydoff yet, start your free trial today at allpaydoff.com Paydoff guides you to resolve your debt for less; it’s like having a skilled negotiator in your corner.

If you decide to answer collection calls, it is recommended that you follow the Suggested Phone Calls Scripts described below.

For Calls Received At Home
 

“I am having some financial difficulties right now. I will get back to you as soon as I am able to. I do not want to be rude, but I must hang up now. Thank you for the call” (Hang Up, Politely!)

For Calls Received At Work
 

If you receive a call at work and have NOT yet sent creditors a letter requesting no calls at work (As a Paydoff User, you may have done this within your Hardship Letter)

“You have called my place of work. I am not allowed to receive personal calls here. Please remove my work number from your files and do not call here again. I will be sending this request to you in writing” I do not want to be rude, but I must hang up now.” (Hang up!)

If you are called at work and you have sent a letter requesting no calls at work:

“You have called my place of work.  I am not allowed to receive personal calls here. I wrote to you (say when) and I requested that you do not call my work. Do you find this request in my file?”

Possible Scenario 1

Collector: “No, I do not find that letter in your file.”

You: “I have confirmation from the Post Office that you received this letter.  What is your name?  Please remove my work number from your files and do not call here again. I will resend my request in writing. I do not want to be rude, but I must hang up now.”

Hang up. You should resend your letter and state in your letter you have received a call at work and you have confirmation they received your first letter. Make sure to send this letter by certified mail so you can prove that the creditor has received it. 

Possible Scenario 2

Collector: “Yes, I we did receive that letter” .
The collector will likely apologize for the call and hang up, but if they do not apologize and continue the conversation, state the following:

You: “I have confirmation from the Post Office that you have received this letter.  What is your name? Please remove my work number from your files and do not call here again. I will resend my request in writing. I do not want to be rude, but I must hang up now.” (Hang up!)