Free Download

15 Word-for-Word Debt Negotiation Scripts

Know exactly what to say when a debt collector calls. These scripts cover every situation: opening a settlement offer, countering a high demand, requesting validation, stopping harassment, and closing a deal.

What's Inside

  • Script 1: Responding to the first collector call (without admitting anything)
  • Script 2: Opening a settlement offer at 30% of balance
  • Script 3: Countering when they demand full payment
  • Script 4: Requesting debt validation on the phone (before the letter)
  • Script 5: Negotiating a payment plan when lump sum isn't possible
  • Script 6: Getting a settlement agreement confirmed in writing
  • Script 7: Dealing with aggressive collectors who won't negotiate
  • Script 8: Calling a hospital billing department for charity care
  • Script 9: Negotiating the Medicare rate with a hospital
  • Script 10: Pay-for-delete negotiation opener
  • Script 11: Dealing with collectors who claim you owe more than expected
  • Script 12: Responding to a debt that may be past the statute of limitations
  • Script 13: Informing a collector of your cease contact request
  • Script 14: Negotiating after a settlement is rejected
  • Script 15: Closing the deal and arranging payment

Preview: Script 2 - Opening a Settlement Offer

You: "I'm calling about account number [XXX]. I'd like to discuss resolving this account."

Collector: "Great. The balance is $4,200. Can you pay that today?"

You: "I can't pay the full amount. I've been going through some financial hardship - [brief explanation]. I can offer $1,200 as a lump-sum settlement. That's the most I can manage, and I wanted to give you the chance to resolve this before..."

[The rest of this script continues with how to handle their counter, how to respond to "I need to check with my supervisor," what to say when they counter at 80%, and the exact closing language when you reach an agreement. Plus: what NOT to say that could hurt you.]

Get all 15 scripts - free

Get All 15 Scripts Free

Delivered instantly to your inbox. No credit card, no pitch, no spam.

We don't sell your email. Unsubscribe anytime.

Other Free Resources

30-Day Debt Action Plan

Day-by-day guide to assessing your debt and taking the right first steps.

FDCPA Rights Cheatsheet

What collectors can and can't do. One printable page.

6 Hardship Letter Templates

Fill-in-the-blank templates for every type of creditor.