Scripts & Tools
Foreclosure and Debt Renegotiation Resources
has put together the following tools to help you better assist our
clients. Speak to your manager to understand which one is best in
a given situation. These are only a stating point and will help
you better understand your role in supporting our clients.
Telemarketing Scripts
Letters
Calculators
Basic Script
Hello, (PROSPECT NAME), my name is (Your Name) From HelpUDebt, you spoke to our marketing department and were transferred to
one of our HelpUDebt agent (HUDI Agent) because at the time you showed
an interest in lowering your monthly credit card payments does that ring
a bell?
Yes ___ No ___
There is no indication in your file explaining why we could not help
you. Do you remember
why you were not approved in lowering your payments?
I have your current debt load of $ __, ___.00 is this right? Yes
___ No ___
How many months are you behind on your payments now? _____
Months
Mr. or Mrs. (PROSPECT NAME), we can still help you; I am having on of
our Agents assist you hold for a moment please.
Establish Financial Hardship
Survey
1. FINANCIAL HARDSHIP:
Establish Financial Hardship
2. PATH OF NO RETURN vs. PATH TO FINANCIAL FREEDOM
Completely cover this form (use 48 months)
3. BUDGET ANALYSIS:
Completely cover this form
4. PRICE TAG:
Temporary Negative effect on credit report
15% retainer fee + $29.99 monthly service fee (included in payment)
5. COVER PROGRAM PROCESS:
1. Payments are made and deposited into savings account under prospects
name. (view account via internet to view status real time)
2. Cease Communication Letters will go out to every enrolled creditor
stating you are doing something positive about your debt.
3. All creditor calls and statements forwarded to servicing division.
4. Call us with any questions!
Lender Mediation Form
Hello (CUSTOMERS NAME) my name is (Your Name) from
HelpUDebt; you spoke to (referral Party) from our marketing department
and was transferred to one of our HelpUDebt agents because at the time
you showed an interest in lowering your monthly unsecured credit card
payments, does that ring a bell? Yes __ No __
The purpose of this call is I am setting appointments to have one of our
SENIOR DEBT SPECIALIST call you to provide a free analysis and determine
if the savings this program is designed for applies to you. Does this
make sense? Yes ___ No ___
GREAT!
It states here that you have $___________ unsecured
debt, is that right? Yes ___ No ___ $___________
Are you current or behind on payments? Yes ___ No ___
Current ____ Behind ____ X ___
Are you finding it difficult to make the monthly
payments as maintain your living expenses? Yes ___ No ___
Excluding your living expenses and making sure you are
not taking food off the table, how much can you truly afford to pay
towards this debt on a monthly basis? $_______.00.
If you are available to talk now I have one of the
agents readily available, hold please while I transfer you to (CSR's
Name).
Final Verification Form
l Verification Form
for:____________________________________
My name is (Your Name) from HelpUDebt how are you? Great,
As < > mentioned you would be expecting a call from me right?
OK! I am just going to verify some information to complete your
enrollment.
Your total debt amount is $_____________
Your 1st pay is for $ ____________________
Your 1st pay debit date is ___ / ___ 2008
Your reoccurring payment is $ __________
Your reoccurring date is ___ / ____ 2008
Your debit account is with _______________________________
Would you like a complimentary account review to insure that your
creditors change the status of your enrolled accounts to “$0.00” balance
and the account stating “settled as agreed” or “settled for a lesser
amount”? Yes __ No __
This will stop any negative effect to continue, do I have your
permission? Yes __ No __
Let me explain what that does for you.
This specialized service will have a temporary but negative effect on
your credit report we want to insure that you are prepared to
reestablish your credit prior to completing your debt settlement
enrollment program does that make sense? Yes __ No __
OK let me add that to your file.
Finally are there any questions I need to have your agent <HUDI agent>
answer? Yes __ No __
Now if there is any changes you need to make with your debit payments or
dates you need to contact me personally so I can make the needed changes
does that make sense? Yes __ No __
Also if you have any questions during your enrollment process I can be
reached via email or a simple call OK? Yes __ No __
Completed by: __________________ Date: ___ / ___ /2008
Client Qualification Script
Good (morning /
afternoon/evening) this is (Your Name), How are you today?
Is this a good time, I am not
interrupting something am I? Yes ___ No ___
I have just a few confirmation questions to ask you.
Is that ok? Yes ___ No ___
Ok Thank you, this will be
brief I promise.
1.
How much do you currently owe in Credit Cards in your name?
2. Are you behind on your monthly payments? Yes ___ No ___ X ___
2.
IF Credit Card Debt is less than $10k, then ask:
DO you have any medical bills or personal loans that you are having an issue with?
If YES, ask them for the for break down.
If total unsecured debts including CC are
less than $10K they're Disqualified.
If their unsecured debts are $10k or above,
continue to next question.
3. Do you have a valid checking or savings a/c?
IF NO, DISQUALIFY
AND COURTESY CLOSE
If YES continue to next question.
4. Are you currently in bankruptcy?
IF YES, DISQUALIFY AND
COURTESY CLOSE
If NO continue to next question.
5. Are you currently finding it DIFFICULT to keep up with your minimum monthly payments and still maintain your necessary living expenses.
IF NO, DISQUALIFY
AND COURTESY CLOSE
If YES continue to next question.
6.
Lastly, Can you afford to pay [1.5% of Original DEBT] every month for this program?
Answer must be Yes. [$250 is MINIMUM for debts under $20k].
IF NO, DISQUALIFY
AND COURTESY CLOSE
7. Is that something you can
commit to?
Interest Reduction Program
• Website: www.HelpUDebt.com & www.Platinumfinancialconsulting.com
• Dunn & Bradstreet credit rating
• BBB Proud member
• Money back guarantee
• Lifetime access to % Rate Reduction Service on accounts
• Access to 24-7 Legal Care Services
• Access to other financial services offered by HelpUDebt
• You make payments directly to your creditors not having money help
with a 3rd party servicing agency.
• Full access to accounts (you do not have to close them)
• No negative affect to credit scores
• On line access to view status of account
Home Loan Letter
Good morning (PROSPECT NAME),
I am responding to a recent online request you made with Lender
Mediation where you selected the option to be contacted by one of our
agents in reference to modifying your unsecured credit card debt.
I need to discuss the modification of your unsecured credit card debt to
reduce your current payments by 50% increasing your disposable income
and showing all attempts to reduce your overall debt load. This service
like your Loan Modification was designed to assist consumers like you
who are struggling in today’s depreciating economy. You must be able to
establish financial hardship for this type of specialized service in the
same way you had to show financial hardship for your loan modification.
I work by appointment only so if you can respond to this email and let
me know what time today or tomorrow that you can be available to talk.
Please have your creditor statements ready as well as access to your
computer with internet access. A copy of your enrollment will be sent
back to Family Home Loans to show you have modified your unsecured debts
& reduced your monthly payments increasing your disposable income. This
always have a positive impact on your Loan Modification.
Sincerely Yours,
We are Orange County California’s
Leading Debt Management Specialists. Specializing in Credit
Card Interest Rate Reduction, Mortgage Modification, Debt management
and Renegotiation, Foreclosure and Short Sale, debt management.
We provide credit counseling, and
help you manage you debt in a way that you are able to pay off
your debts in a short period of time, while still being able to use
your credit cards and making the ends meet. Our Programs are
designed to fit you, not the other way around.
Our debt management programs
include debt reduction, consumer credit card counseling providing
fast debt relief. Through good money management we provide you
a true debt solution. More than just a credit counseling
services, or debt counseling, consumer credit counseling service -
we help you reduce your debt and help you establish a plan toward
debt free living. Our goal is to help you eliminate your long
tem debt, manage your credit debt, avoid bankrupts and manage your
money in a realistic way that will keep you out of debt.
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