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MESSAGES & TALK OFF

TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

Message for Intended Debtor: (Voicemail) This is Agent _____ w/ the Investigations Department of Primary Solutions, calling regarding an ongoing investigation naming you as the person of interest. Its imperative I receive a verbal statement from either you or your attorney in regards to this matter as soon as possible. If there is no response within 24 hours of this message, the case may be forwarded to _______ County. The numbers here is _______, and refer to case #_____. Again my name is Agent _____. Third Party Message: (With Person or Voicemail) This is Agent _____ w/ the Investigations Department of Primary Solutions. I'm trying to update location information on _____, this number was listed as a reference/ possible contact for him/her. This call is regarding an ongoing investigation that requires his/her immediate attention, so if you're able to pass the message, have him/her or his/her attorney contact me directly at _______ and refer to case # ____. Talking to Third Party: (Person: "What's this regarding?) Unfortunately due to state and federal law, I cannot disclose any that information, but I can tell you it is a legal matter. Talking to Third Party: (Person: "You have the wrong number?) Do you know who __________ is, because theres an ongoing investigation and this number came up as a reference and contact for them? Talking To Debtor: Hello, may I speak to (Debtors name)? This is Agent _____ w/ the Investigations Department of Primary Solutions. We're in the process of forwarding paperwork to the _____ County Courts. We have been retained to investigate a matter showing you breached a contract defaulting (Name of Client) in (Year loan taken), on a payday advance using the SSN __________. It's since been place w/two collection agencies, yet still is unresolved. As a result the client is now making final demand for payment. Otherwise, they can possibly pursue you on a civil or criminal matter for check fraud or theft by deception, which in an amount of $500 or above is considered a felony. UNDER $500: (In your case after court cost and other fees are implemented, you'll exceed that amount) The balance currently stands at $_____, so the basis for the call is to see if you would like to settle the matter out of court. With the information provided how would you like to go about resolving this?

BREAK DOWN OF SERIOUSNESS

TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

The client feels that they have more than enough evidence to pursue the issue further. If this is taken to court any and all court fees, late fees, and penalties will be included in the current balance, doubling or possibly even tripling the amount. The client will seek compensation of that balance through a garnishment of your wages. Usually up to 25% of any household income attached to the SSN on file for this account. That is on an involuntary basis so youre not able to decide dates and amounts that you pay, its at a judges discretion. So if setting up a payment arrangement is better for your financial situation thats what were here to help with. However if its pursued criminally its a little different because from the clients perspective you defrauded a financial institution using deceptive practices which is against the law. So if they pursue you for check fraud or theft by deception as I stated earlier and the amount exceeds $500 it is considered a felony. To have something like that associated with you from a simple payday loan in my opinion just isn't worth the trouble.

ORDER OF PAYMENT DEMAND


TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

WHEN A DEBTOR WANTS TO SETTLE AN ACCOUNT OUT OF COURT INFORM THEM


BECAUSE OF THE LOAN TAKE OUT DATE, ONCE WE VERIFY WERE SPEAKING WITH THE CORRECT PERSON OF INTEREST THE CLIENT USUALLY WANTS THE BALANCE IN FULL IMMEDIATELY. CAN YOU PAY THE BALANCE IN FULL AT THIS POINT?

(IF NO)
OK ARE YOU ABLE TO PAY HALF THE BALANCE AT THIS POINT AND THE REMAINDER ON YOUR NEXT PAY DATE?

(IF NO)
THE LAST ACTION IM ALLOWED TO TAKE BEFORE GOING TO THE CLIENT DIRECTLY IS BREAK THE BALANCE INTO 4 PAYMENTS FOR YOUR CONVENIENCE. CAN YOU PAY THE BALANCE IN 4 PAYMENTS STARTING IMMEDIATELY?

(IF NO)
OK THEN, ILL NEED YOU TO TELL ME HOW MUCH YOU CAN PAY, WHEN, AND HOW OFTEN YOU CAN PAY TOWARDS THE BALANCE. THEN ILL GET THE CLIENT ON THE LINE, PRESENT TO THEM YOUR REQUEST AND COME BACK TO YOU WITH EITHER A SETTLEMENT OFFER OR DIFFERENT ARRANGEMENT OPTIONS THEY PROVIDE TO YOU OK? 1. ARE YOU PAID BI WEEKLY OR WEEKLY? 2. HOW MUCH WILL YOUR FIRST PAYMENT BE FOR? AND ARE YOU MAKING THAT PAYMENT TODAY? 3. WHEN IS YOUR NEXT PAY DATE AND HOW MUCH WILL YOU BE PAYING ON A REGULAR BASIS?

(DO NOT OFFER MONTHLY PAYMENTS, LET THEM TELL YOU IF MONTHLY IS ALL THEY CAN DO)

PLACE DEBTOR ON HOLD, SEEK MANAGEMENT FOR PAYMENT OPTIONS TO PROVIDE TO THE DEBTOR.

DO NOT OFFER THEM ANY SETTLEMENTS OR PAYMENT ARRANGEMENTS BEFORE CONSULTING WITH A SUPERIOR

SMOOTH TRANSITION INTO GETTING CC INFO


TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

(WHEN A DEBTOR AGREES TO AN ARRANGEMENT HERE IS A GOOD WAY TO TRANSITION INTO GETTING THEIR CARD INFORMATION) TO STOP ANY FURTHER LEGAL ACTION ON THIS CASE AND TO LOCK THIS ARRANGEMENT AT THE AMOUNT WE DISCUSSED, WE HAVE TO PUT ACCOUNT INFORMATION INTO THE SYSTEM FOR ST HOLDING PURPOSES UNTIL YOUR 1 PAYMENT. WERE ON A RECORDED LINE, IM SAYING THAT TO INFORM YOU THAT LEGALLY NO TRANSACTION CAN TAKE PLACE ON ANY ACCOUNT YOU GIVE US UNTIL THE DATES AND TIMES WE SPECIFY WHILE SPEAKING. IT MUST BE PREAUTHORIZED. THE CLIENT ONLY ACCEPTS ELECTRONIC TRANSACTION VIA DEBIT OR CREDIT CARD, SO THE ACCOUNT YOUR USING FOR YOUR PAYMENTS, WILL THAT BE VISA, MASTERCARD, OR DISCOVER?

CLOSING Now because were not a processing company, theres a processing fee of $9.95 per transaction. Thats the fee charged to us to run your payments. However Im allowed to waive one fee as a courtesy, would you prefer it to be on your first or last payment? Make sure the fee is available with your other payments so it does not return as a decline for insufficient funds, ok? Mr. /Mrs. _____, judging from our conversation, I have faith youll be able to make your payments, but it is important that I still inform you if for any reason any payments decline, a decline fee may be charged and the full balance could be due immediately, but that's only if you have a decline, ok? Once the balance is cleared youll receive a paid in full letter by mail or email, and youll be relieved of any legal obligations on this account. What are two good numbers to reach you by if needed? Is this a cell, home or work number? I'll be your case manager for this account. My name is Agent _______, the number here is _______ and your case # is ____. If you have any questions, concerns, or someone else contacts you regarding this same account be sure to give me a call ok? ***E SIGNATURE FOR PAYMENT ARRANGEMENT EMAIL*** Were going to send you a copy of your payment agreement. Whats a valid email address for us to send you your arrangement? The document will be generated and sent within 2 business days. It requires an E signature also known as an electronic signature. The E signature is done by you typing your name in a designated area and confirming that the arrangement sent to you is how youd like to settle your account. When you signed, it will notify the corporate office and youll be able to save a copy for your records, ok? Any question about the email or this account in general? Thank you for your cooperation regarding this matter.

TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

PAYMENT REMINDER

TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

This is Agent _______ with the Investigations Department of Primary Solutions, just giving you a courtesy call as a reminder for the payment arrangement that we secured for your account. There is a payment of $____ due by (Date). Insure that funds are available so that no declines appear under your account to avoid any decline fees making the agreements we set up null and void. If you have any questions or concerns, just give me a call back and I can assist you. The # is here ___________.

DECLINE MESSAGE

This is Agent _______ with the Investigations Department of Primary Solutions. We spoke recently about an account you have with my client. We confirmed an owed balance. As a result set up a payment arrangement to help you settle that balance. You were informed to contact me if there were any issues regarding your payment(s). However, you declined on (Date) for the amount of $____. It is important that you contact me as soon as possible so multiple declines do not appear on your account. Failure to do so may void the arrangement setup and the balance in full could be due immediately! To avoid any further action without your involvement give me a call to let me know whats going on so I can help you resolve the issue. The number here is __________. Remember, communication with us is key in settling this account.

DECLINE MESSAGE FINAL NOTICE This is Agent _______ with the Investigations Department of Primary Solutions. We spoke in the past and setup an arrangement to settle an account you have in this office. Unfortunately youve been in default status for a while and havent gotten back to me at all. I have called and left messages but still no reply so as a result this will be my last message about the matter. If you still wish to resolve this account before it is forwarded over, you will have until ___ pm today to contact me. I cant speak to the client on your behalf about any issue youre having with the agreement you set up, if there is no communication on your part. The number here is __________. Once the case is forwarded out of our office I may no longer be able to

assist you so good luck in case I dont hear back from you.

TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

FINAL NOTICE MSG This is Agent _______ with the Investigations Department of Primary Solutions, my office has made attempts to reach you in regards to an ongoing investigation naming you as the person of interest, but no response has been made. Therefore due to non-compliance and failure to hear from either you or your attorney, this case may be forwarded to _______ County. However if you do want more information about this matter or why youre being contact in general, you have until _pm (EST) today to contact me with your input. The numbers is _______, and refer to case # ____. Once the case is forwarded out of our office we may no longer be able to assist you so good luck in case I dont hear back from you . DISCONNECT MSG

This is Agent _______ with the Investigations Department of Primary Solutions, we were speaking a moment ago regarding a case you have in this office but were disconnected. Im not sure if it was intentional or not, but regardless this is a time sensitive matter so you or your attorney will have until _pm (EST) today to contact me with your decision on moving forward. If not, the case may be forwarded to _______ County. The number here is __________, case # ____. Once the case is forwarded out of our office we may no longer be able to assist you so good luck in case I dont hear back from you.

FINAL MSG WITH THIRD PARTY This is Agent _______ with the Investigations Department of Primary Solutions. I'm still trying to get in contact with _____, this number was listed as a reference/possible contact for him/her. I left a message already, but haven't heard back from anybody. The call is regarding an ongoing investigation that requires his/her immediate attention, so if you're able to pass the message, let him/her know to contact me directly at _______ and refer to case #____. Weve tried working with him/her regarding the matter, but at this point if there is no reply, the case may be forwarded without his/her further involvement. ADMINISTRATIVE HOLD FOLLOW UP My name is Agent _______ with the Investigations Department of Primary Solutions. We spoke recently about an account you have with my client and confirmed an owed balance. As a courtesy you were given an administrative hold on your case to: (ONLY STATE WHICH ONE APPLIES) A) Obtain paperwork showing that this is a case of identity theft, so you're not held responsible for the account. B) Obtain paperwork showing that you paid this in full, so you're not held responsible for the account. C) Review the validation of debt letter you requested, and report back to me. D) Offer a payment arrangement to settle the balance you have

E) Obtain valid account info to put on file for a payment arrangement.


The administrative hold is now past and I havent heard from you. At the time you seemed concerned about resolving this but at this point due to non-compliance and failure to hear from you or your attorney, this case may now be forwarded to _______ County. However if you do still wish to resolve this matter voluntarily, you have until ___pm (EST) today to call me with your input. The number here is _______ and refers to case # ____. Once the case is forwarded out of our office we may no longer be able to assist you so good luck in case I dont hear back from you.

GREAT REBUTTALS
YOURE A SCAM!
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

Were not a scam at all sir/maam. Were a private Investigations Firm registered with the secretary of state in Georgia. We follow all F.D.C.P.A. regulations as enforced by the FTC (Federal Trade Commission). YOURE NOT A AGENT YOUR IMPERSONATING LAW ENFORCEMENT!
Actually sir/maam theres several types of non-law enforcement agents from real estate agents, customer service agents, to insurance agents etc. Were investigative agents. All calls here are recorded so no one ever described themselves as police officers or Federal agents. Were not held liable for how you chose to interpret the meaning of the word agent.

I PAID THIS ALREADY! Who did you pay? Did you receive a paid in full receipt? In Order for us to notate that in our system and close out this account well need you to email or fax that information immediately! The information you send over must match the account details we have on file, including the loan date and clients name. Otherwise youre still held legally responsible. MY IDENTITY WAS STOLEN! Before contacting you we did a thorough investigation on your ssn and no police reports for ID theft have ever been link to it at all, so thats not possible in your case sir/maam. (IF THEY INSIST THAT THEY DO HAVE A POLICE REPORT) Does the report state identity theft took place on or prior to the loan take out date? We will need that report to grant ID theft or fraud in connection with this account, otherwise youre still held liable legally because your SSN is attached to this case. THAT SSN ISNT MINE. Okay sir/maam thats fine and I hope what youre saying is true because the client may pursue the ssn attached to this case to fullest extent of the law possible in your state. Therefor if its not you then you will have nothing to worry about, however if it is, they will find you and this recording will be used against you as evidence of deceptive practices.

GREAT REBUTTALS PG 2
I FILED FOR BANKRUPTCY AND THIS SHOULD BE INCLUDED IN IT.
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

Okay sir/maam and when did you file? (Loan date must be prior to filing date) Please hold while I update our system? (Place debtor on hold and check with management to verify bankruptcy. If its valid then inform them) All pending actions as well as further communication with you will now cease. Have a good day! I WANT PAPERWORK ABOUT THIS LOAN SENT TO ME IN WRITING! Your case may be forwarded before you have a chance to receive any documents. Besides any information youre requesting in writing I can verbally verify for you. (If

they still insist on something in writing)


We can send you a V.O.D. (Validation of Debt) letter via email for your personal review. Please keep in mind this matter is time sensitive so if a V.O.D. letter is sent it has to be requested from the corporate office of my client. They usually considered this a stall tactic because the information has been sent to you before according to the records. So upon receiving the letter you will be given 24 hrs from the time it is sent to pay the balance in full, otherwise further legal proceeding may take place without your involvement. Let me ask what are your intentions when you receive your V.O.D., are you planning to pay the balance in full or set up a payment plan? (IF THEY SAY PAYMENT PLAN) How much will you be paying on a regular basis? Will you be paying weekly or bi weekly from that point? And when would your first payment be, for example if you receive your V.O.D today when will you be starting payments? (IF THEY SAY I DONT KNOW, ILL HAVE TO SEE THE PAPERWORK FIRST) I understand you would like to see paperwork and Im willing to get that sent to you, however I have to come to the client with a plan in mind if we are sending paperwork out. Im not asking for any personal information, just an estimate of what you think you can manage once you validated the legitimacy of this debt. The validity of the debt should determine whether or not you pay at all, not change how much you can afford out of your budget. So again, what are your intentions when you receive your V.O.D., are you planning to pay the balance in full or set up a payment plan? I WANT THE VOD SENT IN THE MAIL NOT EMAIL! Well this account is a few days away from being forwarded to the county court for further legal actions. So its now a time sensitive matter as I stated earlier. The client wont wait or rely on the United States postal service to deliver, as there can be further delays. So as a result the letter can only be sent via email or even via fax if you dont have access to email at all.

GREAT REBUTTALS PG 3
I NEVER RECEIVED THAT MUCH MONEY WHY IS THE BALANCE SO HIGH?
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

This has been an ongoing matter since __________. So of course that is the sum of any interest, late fees and penalties added to the original balance, which is what you knowingly signed off on when you obtained the loan. WHERE ARE YOU LOCATED? We have several locations throughout the United States, this is our corporate office in Georgia. WHY IS THERE A DIFFERENT AREA CODE ON YOUR NUMBER IF YOURE IN GEORGIA? We have field agents in your local area that try to contact you and once the phone picks up on your end it automatically forwards the call to our office for further assistance. WHICH WALK IN LOCATION DID I OBTAIN THIS LOAN/ WHICH COLLECTION AGENCY TRIED TO CONTACT ME PRIOR TO YOU? Information regarding your account is sent to us from the corporate office, so detailed information about the loaner, or any previous collection companies we do not have access to, or a reason to access it. The reason for the call as stated before is to see if youd like to handle the matter voluntarily. LET ME SEE THE VIDEO FOOTAGE/ MY PHYSICAL SIGNATURE/I.P. ADDRESS OR ETC! Sir/maam because this is considered to be sensitive information, it is held until legal action is needed. Where all evidence in its entirety will be provided in court. Youll then be able to physically see the evidence Im referring to, as it will be used against you in a civil or criminal matter. HOW CAN THIS MATTER BE PURSUED ON A CRIMINAL LEVEL? When you obtained the loan you placed a void check on file. The agreement that you signed stated that the funds you were advanced could be recouped on a specific date and time. When the client went to recoup the funds they were not available which from their point of view is the equivalent of writing a bad check. So it would be at a judges discretion to decide if it could be criminally pursued once all the evidence is presented. Also my client tried contacting you through several methods but never received a response which adds to their case of theft by deception.

GREAT REBUTTALS PG 4
TAKE ME TO COURT I DONT CARE!
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

Sir/maam please be aware that this is pursuable on both a civil and criminal level? I understand youre not interested in paying this back but, keep in mind that theft by deception or check fraud in an amount over $500 is considered a felony. So if the evidence used in this case is suffice for a judgment against you, thats most likely how theyll decide to move forward. Personally I dont think its worth the trouble, so did you want to see if this is something that can be settled outside of court? ILL GET AN ATTORNEY FOR THIS Well sir/maam honestly it would end up costing you more money hiring an attorney, then simply paying off this account in which you owe. I RECEIVE GOVERNMENT ASSISTANCE AND YOU CANT GARNISH THAT If the client pursues this on a civil level they will try to get a judgment for any household income attached to the ssn on file. So it will be at a judges discretion if garnishment takes place or not. If the client is not satisfied with the civil decision they may pursue this criminally. Keep in mind in order to keep your government benefits you have to have case reviews every 3 to 6 months so if check fraud or theft shows up in your background during a review it could definitely affect your eligibility which personally, I dont think is worth the trouble, so did you want to see if this is something that can be settled outside of court? WHY CANT I CALL (CLIENTS NAME) MYSELF? (Clients Name) tried contacting you themselves originally after you defaulted in (year loan taken), both by phone and mail but were unsuccessful. Next they hired collection agencies to do the same and were also unsuccessful, as a result the client is no longer willing to deal with you on a 1st party basis at all. WHY DONT YOU TAKE MONEY ORDERS OR CHECKS IN THE MAIL? The client is only willing to accept certified funds electronically via credit or debit card for the safety of themselves as well as the consumer. Thats because any transaction that take place this way are on record and can always be referenced via bill statement, whether you receive statements online, at home, or through text message. Youll always be aware of how much came out your account, who took it, and when it was taken, so there is no confusion. Also if mailed, it can be blamed on the mail man for payments never received which youre still held accountable for. You should be very cautious and avoid anyone telling you to send funds via mail, or through wires for an owed debt. Companies with those types of practices are most likely scams.

GREAT REBUTTALS PG 5
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

WHY DO YOU WANT MY CREDIT CARD NUMBER NOW IF THE 1ST PAYMENT ISNT UNTIL ANOTHER DATE? Without a down payment today, thats the only way to show the client youre serious about resolving this account. Itll put a hold on any further legal actions until you can make the 1st payment. I DONT HAVE A JOB OR ANY MONEY TO PAY THIS RIGHT NOW! How are you making a living, who pays your bills? (If they say family or friends) Can they help you pay this? I understand youre having financial hardship, but there is a contract that was signed and attached to your SSN. I will do what I can to better assist you in getting this resolved. But you have to look into all your available resources to get this taken care of. What about
EMPLOYMENT ADVANCE (IF THEY HAVE A JOB) SAVINGS STATE ASSISTANCE PAWN OR TITLE LOANS TAX RETURNS

Ill check to see if I can place a administrative hold on your account but if I do this for you, you have to do what you can to propose some type of arrangement to my client when the hold is over, ok? (Place debtor on hold seek management approval for hold) I DONT HAVE A DEBIT/CREDIT CARD How do you pay your utility bills? (If they answer walk in) Is there anyone in the household whose card you can use and you give them cash? (If no) I can give you until ___ today to obtain a prepaid card to put on file. You can find them for as little as $4.95 at
WALMART (NO BLUE BIRD CARD) CVS WALGREEN (NO VANILLA CARD) RITE AID CHECK CASHING LOCATIONS GROCERY STORES (KROGERS, PUBLIX, ETC) (NO AMERICAN EXPRESS OR GIFT CARDS)

GREAT REBUTTALS PG 6
I DONT HAVE A EMAIL OR FAX NUMBER
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

There are many locations you can go to send and receive faxes. For example FED EX UPS STORES OFFICE MAX OFFICE DEPOT STAPLES LOCAL LIBRARIES CHECK CASHING LOCATIONS GROCERY STORES

I DONT REMEMBER TAKING OUT THIS LOAN I understand you may not recall this loan, but this is link to you in several ways for example you used SSN _________ TO OBTAIN THE LOAN (IF YOU HAVENT ALREADY VERIFIED IT) __________ AS YOUR PLACE OF EMPLOYMENT (IF LISTED) __________ AS YOUR ADDRESS ( READ THEM BOTH PREVIOUS AND PRESENT) ________ AS YOUR BANK ACCOUNT (IF LISTED) WHO IS (REFERNCE NAME)? (AFTER THEY ANSWER) WELL YOU LISTED THEM HERE AS A REFERENCE. (REAPEAT IF MORE THAN ONE) __________ AS A EMAIL ADDRESS (IF LISTED)

The client also has (IF WALK IN CLIENT)


YOUR PHYSICAL SIGNATURE VIDEO SURVEILLANCE OF YOUR PHYSICAL APPEARANCE IN THE STORE A VOID CHECK AND BANK STATEMENTS FROM YOUR ACCOUNT AT THE TIME A COPY OF YOUR DRIVER LICENSE OR STATE ID

(IF ONLINE CLIENT)


INCOME VERIFICATION VALID EMAIL ELECTRONIC OR FAXED SIGNATURE CONFIRMED I.P. ADDRESS PROOF OF THE DIRECT DEPOSIT TRANSACTION

SPANISH TRANSLATOR
TALK_OFF BREAKDOWN ORDER_OF_PAYMENT GETTING_CC CLOSING PAYMENT_REMINDER_AND_DECLINE_ MSG FINAL_NOTICE_MSGS YOURE_A_SCAM YOURE_NOT_A_AGENT I_PAID_THIS_ALREADY MY_IDENITY_WAS_STOLEN THAT_SSN_ISNT_MINE I_FILED_FOR_BANKRUPTCY I_WANT_PAPERWORK MAIL_PAPERWORK_NOT_EMAIL WHY_IS_THE_BALANCE_SO_HIGH WHERE_ARE_YOU_LOCATED WHY_IS_THERE_A_DIFFERENT_AREA_ CODE WHICH_LOCATION_OR_COLLECTION_ CO_CALLED LET_ME_SEE_THE_VIDEO_OR_MY____ SIGNATURE HOW_CAN_THIS_BE_PURSUED______ CRIMINALLY TAKE_ME_TO_COURT ILL_GET_AN_ATTORNEY YOU_CANT_GARNISH_GOVERNMENT_ ASSITANCE WHY_CANT_I_CALL_THEM_MYSELF WHY_DONT_YOU_TAKE_MONEY____ ORDERS_OR_CHECKS WHY_DO_YOU_WANT_MY_CREDIT__ CARD_NOW I_DONT_HAVE_A_JOB_OR_ANY_____ MONEY_RIGHT_NOW I_DONT_HAVE_A_DEBIT_OR_CREDIT_ CARD I_DONT_HAVE_A_EMAIL_OR_FAX___ NUMBER I_DONT_REMEMBER_TAKING_OUT__ THIS_LOAN SPANISH

I SPEAK LITTLE SPANISH OKAY? YO HABLO POCO ESPAOL OKAY?

MY NAME IS AGENT (YOUR NAME), WITH THE INVESTIGATIONS DEPARTMENT. I'M LOOKING FOR (DEBTORS NAME), DO YOU KNOW WHO THAT IS? MI NOMBRE ES AGENTE (YOUR NAME) CON EL DEPARTAMENTO DE INVESTIGACIONES. ESTOY BUSCANDO A (DEBTORS NAME), SABES QUIN ES ESO?

(IF YES) CAN I SPEAK TO SOMEONE WHO SPEAKS ENGLISH? PUEDO HABLAR CON ALGUIEN QUE HABLE INGLS?

(IF NO) CAN YOU HAVE SOMEONE WHO SPEAKS ENGLISH CALL ME BACK? THIS IS IMPORTANT! PUEDE TENER ALGUIEN QUE HABLE INGLS DEVOLVER LLAMADA? ESTO ES IMPORTANTE!

CAN YOU WRITE DOWN MY NUMBER? IT IS __________. THE CASE NUMBER IS__________ PUEDE ESCRIBIR MI NMERO? ES __________. EL NMERO DE CASO ES __________

(IF THEY SAY SOMETHING YOU CANT UNDERSTAND) IM SORRY, I DON'T UNDERSTAND. I SPEAK VERY LITTLE SPANISH OKAY? LO SIENTO, NO ENTIENDO. YO HABLO MUY POCO ESPAOL OKAY? 1-UNO 2-DOS 3-TRES 4-CUATRO 5-CINCO 6-SEIS 7-SIETE 8-OCHO 9-NUEVE 0-CERO