7 word-for-word phone scripts for negotiating lower interest rates, hardship programs, debt settlements, and pay-for-delete agreements. Know exactly what to say — and what not to say.
Each script includes the opening, the ask, common objections with responses, and a closing. You don't need to improvise — just read.
Works best for credit cards you've held for 1+ years with on-time payments. Success rate: ~70% for cardholders who ask. Average reduction: 3–6 percentage points.
For accounts in collections or charge-off status. Includes the exact language to propose a lump-sum settlement and get written confirmation before paying a cent.
Negotiate removal of the collection account from your credit report in exchange for payment. Includes the binding agreement language collectors are required to honor.
For isolated late payments on otherwise clean accounts. Appeals to the creditor's relationship with you — not a dispute of accuracy. Includes the objection-handling language that gets results.
Under the FDCPA, debt collectors are prohibited from contacting you outside these hours. The guide includes the exact cease-and-desist language to stop calls entirely.
Within 30 days of first contact, you can demand written proof that the debt is yours and the amount is accurate. Script 6 covers this exactly — and if they can't validate, they must stop collecting.
The FDCPA allows you to sue for actual damages plus $1,000 per violation. The guide explains how to document violations and what to do with them.
See who actually approves your score range — and the APR to expect.