Feeling anxious about calling your debtor?

Unsure how to best prepare for a successful call?

It’s completely normal to feel apprehensive about calling someone who owes you money. To help you feel more confident, this article will tell you how best to mentally prepare for a call, as well as how to write an easy, effective script.

How to Mentally Prepare

Before “dialing for dollars,” spend a few moments to consider what you’ll be discussing with the debtor, the debtor’s likely responses, and even the outcome. Think through your call, including:

• Warming up for a collection demand.
• Fixing the minimum demand in your mind (for example: full payment now, or half down and half in 30 days).
• Keeping on an even keel emotionally, even if your debtor loses it.
• Being persistent if a debtor stalls for time.
• Listening but not agreeing with any statements contrary to your collection goals.

Picture yourself being calm, confident, and collected during the call. This is time well-spent and can help make your call much more effective.

Preparing a Script

Your collection phone calls adhere to a simple pattern: you identify yourself and request payment from the debtor. You don’t need to have a complicated script on hand, anticipating every response and scenario, but you should have your basic collections request scripted.

Your script opens with, “This is [your name] from [company name] calling for [debtor name].” Never disclose that you’re seeking money until you have the intended person on the phone. You want to be sure that the person you’re speaking with can authorize payment of your bill.

After the debtor answers the phone, repeat your name, the name of your business, and make a specific request for money. Here’s an example: “This is Tom Smith calling from the ABC Company in Birmingham, Michigan. We show a balance of $2,500 that is 60 days past due, and I’m calling to request payment of that sum. Can you send us payment today?”

We hope that these tips help you feel more confident during your collections call! But if you need help…

Call the Michigan Debt Collection Experts

If your debtor is uncooperative, or even if you just don’t want to make the call yourself, our attorneys can handle it all for you! As long as either you or your debtor are in Michigan, we can handle your debt collection. 

To get in touch, call (248) 645-2440 or submit a contact form. We look forward to working with you!