Debt Collection Cold Calling Script

Hi, is this {{debtor_name}}?

This is {{your_name}} calling from {{company_name}} regarding an important business matter concerning account number {{account_number}}.

This is an attempt to collect a debt and any information obtained will be used for that purpose. Do you have a moment to discuss this?

I'm calling about your account with {{original_creditor}} in the amount of {{debt_amount}}.

[Required Mini-Miranda: This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.]

I want to help you resolve this account. Are you aware of this debt?

[LISTEN - Confirm or dispute]

[If confirmed:] I understand financial situations can be challenging. Let me explain your options:

You can pay the full amount of {{debt_amount}} and close this account today. Or, if that's not possible, we can discuss a payment arrangement that works for your budget.

What works better for your situation right now?

[LISTEN - Understand their financial position]

Based on what you're telling me, I'd recommend {{recommended_option}}. This would {{benefit_of_option}}.

Would you like to set that up today?

Hi {{debtor_name}}, this is {{your_name}} with {{company_name}}.

This is a message regarding an important business matter. Please call me back at {{your_phone}} at your earliest convenience.

Again, my number is {{your_phone}}. Thank you.

[Note: Do not mention debt in voicemail per FDCPA regulations]