Rebuttals
I want to receive a letter before I pay!
What is ask for the email address, and send it right now.
What is the spouse restriction law in Arizona
WHAT IS...Must have customer permission to speak with the Spouse
STATE THE MINI MIRANDA
WHAT IS...I AM DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
A new party comes on the line, what do you need to provide them?
WHAT IS...TPD (Two party disclosure)
Client doesn’t allow CB Reporting, and the customer asks if this is reported.
WHAT IS...What is advise the client handles CB Reporting, and we will update the client with the true and accurate status.
My spouse handles the finances.
What is ask for the number to conference the spouse.
What is the law in Puerto Rico regarding speaking with a spouse?
WHAT IS...Must have customer permission to speak with the spouse.
STATE THE QUALITY STATEMENT
WHAT IS...ALSO, THE ENTIRE CALL IS BEING RECORDED AND MAY BE MONITORED FOR QUALITY AND TRAINING PURPOSES.
What kind of note needs to be placed on a payment call, and what information do you need?
WHAT IS...CO/CO PDA given, and the fee amount.
If I pay this, will it come off of my CBR?
What is we will update to the true and accurate status, we don’t remove.
I don’t have that much right now.
What is How close to the balance can you come, and how much time do you need? 2-3 Days?
In ________, you can speak to a customer’s spouse concerning a debt; however, you cannot hold a spouse liable for a debt
WHAT IS...Arkansas
Demand the balance, verbatim.
WHAT IS...I can set that up with a check by phone or debit card over the phone today for the balance. Which method do you prefer to use?
A customer/3rd party asks if you work for a collection agency, your answer would be?
WHAT IS... YES
How will this look on my CBR, if I pay a SIF?
WHAT IS...What is we will update the true and accurate status of the account.
I don't want to provide my information over the pho ne.
What is... this line is recorded for our security, as well as yours.
These 2 states, we cannot solicit PDC's
WHAT IS...Rhode Island and Massachusetts
State the payment hierarchy
WHAT IS...BIF, BIFx2, 2nd TO, SIF, SIF in Payments
What restrictions would be added for a dispute?
WHAT IS...Debtor disputes account, no calls, and no letters. (Top 5 Restrictions)
Which looks better, a PIF or SIF?
WHAT IS...I can’t answer that for you, I’m not a credit analyst, but we will update to the true and accurate status of the account.
My spouse handles all of the finances.
WHAT IS...We can post date this for a couple of days, giving you time to speak with your spouse.
There are ____ total, ___ states and ___ U.S. territory where we are not allowed to charge convenience fees for payments
WHAT IS...15 total, 14 states and 1 US territory
State the first question of PDA, verbatim.
WHAT IS..Please allow me to confirm your verbal authorization of the agreed (one-time or recurring transaction) as well as your current mailing address. Do you authorize ERC to automatically debit your account?
Doing this, while the customer is talking, can reduce the amount of wrap time you have.
WHAT IS...Talk and Type, or Type and Listen
Provide the CB Verbiage when ERC Reports, and it hasn’t reported yet.
What is I am showing this hasn’t reported to your credit as of yet, but it is scheduled as of XX/XX/XXXX, if we are able to come to an agreement today, we can prevent this from reporting.