Collections · Collector · 5-8 minutes

Collections First-Contact Script

A compliant, respectful first-contact script designed to secure a payment or arrangement while meeting FDCPA disclosures.

Script

Agent

Hi, may I speak with [Consumer Name]?

Agent

This is [Your Name] calling from [Company]. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Can I confirm your date of birth or the last four of your Social to make sure I'm speaking with the right person?

Agent

Thank you. I'm calling about an account with a balance of [$X]. What can we do today to get this resolved?

Note

Silent listen: let them speak. Do not pressure.

Agent

I understand. Would a payment plan of [$X] per month over [Y] months work, or would a smaller lump sum today be easier?

Agent

Let's document what we agreed. I'll send confirmation to [email] and we'll follow up on [date].

Use cases

· First-party recovery
· Third-party collections
· Payment plan setup

Compliance reminders

· Deliver the mini-Miranda: this is an attempt to collect a debt and any information obtained will be used for that purpose.
· Verify you're speaking with the right party before disclosing debt details.
· Offer written validation of the debt within 5 business days if requested.

Practice this script live

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