All Scripts

Complete library of compliance-reviewed scripts

Standard Opening

✓ REVIEWED

YOU: "Hi, is this [First Name]?" [Wait for confirmation] YOU: "Hey [First Name], this is [Your Name] with ServBased. I'm reaching out because you requested some information about resolving your debt situation. Did I catch you at an okay time?" [If YES → continue to discovery] [If NO → "No problem! When would be better? I want to make sure you have a few minutes."]

Always ask permission. Shows respect and increases engagement.

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Cold Call Opening

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YOU: "Hey, is this [First Name]?" THEM: "Yes..." YOU: "Hey [Name], this is [Your Name] with ServBased. I'm gonna be real with you — I help people deal with credit card and medical debt. Is that something you're dealing with right now?" [If YES → continue to qualifying] [If NO → "No worries, sorry to bother you. Have a good one."]

Direct and casual. Sounds like a real person, not a script.

cold calloutbound

Pattern Interrupt Opening

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YOU: "Hey, [Name]?" THEM: "Yeah, who's this?" YOU: "[Name], this is [Your Name]. Look, I know this is random — I'm with a company that helps people get out of credit card debt. Might be totally irrelevant to you, but is that something you're dealing with?"

The 'might be irrelevant' framing lowers resistance and creates curiosity.

cold calladvanced

Callback Opening

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YOU: "Hey [Name], this is [Your Name] with ServBased. We spoke [last week/a few days ago] about your debt situation. You mentioned [specific thing from notes]. How's that going?" [Reference something specific from the previous conversation]

Reference past conversation to show you listened and remembered.

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Transition to Discovery

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YOU: "Perfect. Before I explain how we might be able to help, I'd like to understand your situation a bit better." YOU: "Can you tell me what's been going on with your debt?" [LET THEM TALK — Don't interrupt] Follow-up questions: • "That sounds really stressful. How long has this been going on?" • "What's been the hardest part about dealing with this?" • "What made you decide to look for help now?"

The golden question is 'What's been the hardest part?' — builds trust faster than any pitch.

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The 5 Qualifying Questions

✓ REVIEWED

1. DEBT AMOUNT "To get a sense of what might work, can you give me a ballpark of what you're dealing with total?" → Minimum: $6,000 unsecured 2. DEBT TYPE "What types of accounts are these? Credit cards, medical bills, personal loans?" → Must be unsecured debt 3. PAYMENT STATUS "Are you currently keeping up with payments, or have you fallen behind?" → Behind or struggling = good fit 4. HARDSHIP "A lot of people I talk to had something happen — job change, medical issue, divorce. What's been going on in your situation?" → Need a real hardship story 5. INCOME "What does your household income look like roughly? Just so I can see if the payment would be realistic." → Need enough for program payments

Ask these conversationally, not like a checklist.

qualifyingessential

Probing for Additional Debt

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[If initial amount is below $6K] YOU: "OK, so about $[amount] on the credit cards. Any other debt we should include? Medical bills, personal loans, anything in collections?" [Let them think — people often forget about debt] YOU: "Sometimes people have old accounts they've stopped thinking about. Anything from a few years back that might still be out there?"

People often forget about debt. Gentle probing can uncover qualifying amounts.

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Simple Debt Settlement Explanation

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YOU: "Based on what you've shared, here's how this would work for you: Instead of paying the full $[amount] plus all that interest that keeps piling up, we negotiate directly with your creditors to settle for a fraction of what you owe. Each month, you make one payment of around $[amount] into a dedicated savings account that YOU control. As that builds up, we negotiate with each creditor. They often accept 40-60 cents on the dollar because they'd rather get something than chase someone who can't pay. For your situation, the program would run about [X] months. By the end, your debts are resolved — no more calls, no more stress. Does that make sense so far?"

Use their specific numbers. Always end with comprehension check.

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Creating Ethical Urgency

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YOU: "Here's something to consider — and I'm not saying this to pressure you, it's just reality: Every month that goes by, more interest gets added to what you owe. Your $[amount] today could be $[higher amount] in a year. The creditors might start getting more aggressive. And the longer this hangs over you, the longer you're dealing with the stress. The sooner you start, the sooner this is behind you — and the less you'll pay in total. I want this to be your decision. But I want you to have the full picture."

Educational urgency, not manipulative pressure.

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"I Need to Think About It"

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THEM: "I need to think about it." YOU: "I totally understand — this is a big decision. Can you help me understand what specifically you want to think about? Is it the program itself, the payment, or something else?" [Wait for answer — address THAT specific concern] Alternative approach: "Let me ask you this — if you had all the time in the world, is this the direction you'd want to go? Is the program itself right for your situation?"

Turn vague objections into specific ones you can address.

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Credit Score Concerns

✓ REVIEWED

THEM: "What will this do to my credit?" YOU: "Great question — I want to be straight with you. During the program, yes, your credit will be impacted. That's the truth. But here's the thing — if you're struggling now, your credit is already being affected by high utilization and possibly missed payments. Once your debts are resolved, you start fresh. Most clients see their credit recover within 12-24 months after completing the program — many end up HIGHER than where they started. The question is: would you rather have a temporary hit while actually solving the problem, or keep struggling with debt that's already hurting your score?"

Never lie about credit impact. Reframe as a worthwhile trade-off.

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"I Need to Talk to My Spouse"

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THEM: "I need to talk to my spouse first." YOU: "Absolutely — this should be a joint decision. Is your spouse available right now? We could get them on the line so they hear everything directly and can ask questions." [If not available:] YOU: "No problem. When would be a good time for all three of us to talk? I want to make sure they get the full picture." [Get SPECIFIC time] Alternative: "When you talk to them, what do you think their biggest concern will be? Let me give you the information to address that."

Try immediate inclusion, then specific callback, then arm them with info.

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"Too Good to Be True"

✓ REVIEWED

THEM: "This sounds too good to be true. What's the catch?" YOU: "You know what? You SHOULD be skeptical. There are shady companies out there, and I respect that you're being careful." YOU: "Let me be real about what this is and isn't: This isn't magic. Creditors settle for less because they'd rather get 50-60% than chase someone forever who can't pay. Simple business math. What's the catch? • Takes time: 24-48 months, not overnight • Credit will be impacted during • Requires commitment to monthly payments • Results vary by creditor But for people in your situation — real hardship, debt you can't realistically pay off — it works."

Radical transparency overcomes skepticism better than more sales talk.

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"I Can't Afford the Payment"

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THEM: "I don't think I can afford $[X] per month." YOU: "I hear you. Let's look at this together. Right now, what are your minimum payments across all your cards?" THEM: "[Amount]" YOU: "OK, so you're paying $[their amount] now and barely keeping up — mostly going to interest. Our payment of $[amount] is [less/about the same], but the difference is it's actually reducing your debt and gets you out in [X] months. The minimums keep you treading water for 15-20 years. This gets you to shore. Does that help put it in perspective?"

Compare program payment to current minimums.

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The Assumptive Close

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YOU: "Alright [Name], based on everything we discussed, here's what I recommend: We'd set your monthly payment at around $[X], which fits what you told me you could manage. The program would run approximately [X] months. To get started, I just need to collect some basic information." [Without pausing, transition to:] YOU: "What's your full legal name as it appears on your accounts?" [Continue with: address, DOB, last 4 SSN, creditor list, bank info]

The key is confidence. Don't ask permission — guide them into enrollment.

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The Summary Close

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YOU: "Let me make sure I have this right: You've got about $[X] in credit card debt. You're behind by about [X] months. The collectors are calling. You told me you could set aside $[X] per month. With our program, you'd be looking at resolving this in [X] months and saving around $[X] compared to paying minimums with interest forever. So here's the real question: do you want to keep treading water paying minimums that go nowhere, or do you want to actually solve this and be debt-free in [X] months?" [Pause and wait for answer]

Use THEIR words and numbers. Make the choice obvious.

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Information Collection Flow

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YOU: "Great, let's get you set up." YOU: "What's your full legal name as it appears on your accounts?" YOU: "And your current address?" YOU: "Date of birth?" YOU: "For verification purposes, last four of your Social?" YOU: "Now let's go through your accounts. What's the first credit card and approximate balance?" [List all creditors and balances] YOU: "Last thing — for your monthly payments, what bank account would you like those drafted from?"

Be efficient but not rushed. Confirm information as you go.

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Not a Good Time Response

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THEM: "Now's not really a good time." YOU: "No problem at all. When would be a better time to catch you? I want to make sure you have a few minutes without being rushed." [Get SPECIFIC day and time] YOU: "Perfect, I'll call you [Tuesday at 2pm]. You'll see my number come up. Talk to you then, [Name]."

Always get SPECIFIC callback time. 'Later this week' = never.

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Hostile Prospect Response

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THEM: "Stop calling me! I get 10 of these calls a day!" YOU: "I completely understand, and I apologize for adding to that. I'll take you off our list right now." [Pause briefly, then:] YOU: "Before I do — is debt something you're actually dealing with, or was the form filled out by mistake?" [If they engage → reopen carefully] [If they say remove me → "Done. Have a good day."]

Don't argue. The soft question sometimes reopens things.

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Graceful Disqualification

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YOU: "I appreciate you sharing all that with me. Based on what you've told me — [specific reason] — our program probably isn't the best fit right now." YOU: "What I'd recommend is [alternative suggestion]. That would probably serve you better." YOU: "If your situation changes, or you know someone else dealing with credit card or medical debt, feel free to reach out. Happy to help."

Being honest when you can't help builds trust and generates referrals.

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Voicemail Script

✓ REVIEWED

YOU: "Hey [Name], this is [Your Name] with ServBased. I was calling about your debt situation — give me a call back when you get a chance. My number is [number]. Again, that's [Your Name], [number]. Talk soon." [Keep it under 20 seconds. Sound casual, not scripted.]

Short voicemails get callbacks. Long ones don't.

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Gatekeeper Scripts

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Casual approach: "Hey, is [First Name] around?" If asked "Who's calling?": "This is [Your Name] with ServBased." If asked "What's this regarding?": "Just following up on something. Is [he/she] available?" If they push harder: "It's regarding their financial situation. Is [he/she] around or is there a better time?" Spouse scenario: "This is actually about household finances. Are you the one who handles that, or is it [Name]?"

Be brief, confident, and casual. Don't over-explain.

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