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SHIFT-44 Debt verification checklist

"Simply following up with a request submitted about getting help with your Credit Card Debt of over $15,000 dollars. Is that still accurate?"If YES, continue.If NO, move to the next step (ask follow up questions: "is it at least 10K on credit card debt?")

DEBT Amount

DEBT type



Customer availability

"Now ( cx's name) is this 10k only credit card debt? or does it also include personal loans or other debt?"If Mixed, get details and continue only if Credit card debt is at least 10K.If NOT OVER 10K, check if they share debt with someone else.If NO, move to close (No CC/No CC Debt OR DQ-Not enough debt)

"At the moment are you enrolled with a debt relief company?"If NO, continue.If YES, move to close (DQ- Client Already enrolled)

"Do you have an income of over $1,500 a month?"If YES, continue.If NO, move to close (Income does not qualify)

"It looks like I have a debt specialist available right now for a No-Commitment, FREE debt evaluation. Do you have 5 to 10 minutes?"

Training & Development

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Company name

cost Quote/Credit score


"There are new and affordable Debt Relief Programs within your area for 2024 that can help you get the peace of mind of resolving your debt. I can transfer you over to a debt specialist for a FREE-NO COMMITMENT evaluation"

If customers are asking who we are:"What is Debt Advisors?"

If a customer asks:"How much is this going to cost me?""How will this affect my credit score?"

When customers are hesitant or show any kind of resistance, we must address their concerns and then TRANSITION BACK TO THE SCRIPT...

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If the customer asks:"How did you get my information?"OR"where are you located?"


If the customer asks: "can you mail me some information?"Reply:"Yes, we can certainly send you information via email/mail. First, my debt specialist will provide you with a review so you can hear some options, then they will send you everything via email/mail."

Training & Development


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+ info

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Your creditworthiness tells a creditor just how suitable you are for the loan or credit card application that you filled out. The decision that the lender makes is based on how you’ve dealt with credit in the past. Lenders look at several different factors: your overall credit report, credit score, and payment history. Personal debt may be one of 2 types, secured or unsecured:

Credit Worthiness

Unsecured debt has no collateral backing: It requires no security, as the name implies. If the borrower defaults on this type of debt, the lender must initiate a lawsuit to try to collect what it is owed. Lenders issue unsecured loans based solely on the borrower’s creditworthiness and promise to repay. Examples of unsecured debts include medical bills, retail installment contracts such as gym memberships, and outstanding balances on most credit cards.

Secured debts are those for which the borrower puts up some asset as collateral for the loan. A secured debt simply means that in the event of default, the lender can seize the asset to collect the funds it has advanced the borrower. Common types of secured debt for consumers are mortgages and auto loans, in which the item being financed becomes the collateral for the financing.

"We're a credit card fresh-start program that can line you up with a specialist who can help you evaluate your debt situation in an effort to stop collection calls and reduce or consolidate the amount of debt you owe to make getting out of debt easier. Do you currently owe $15,000 dollars or more?" (continue with the call)

Control the Call:

  • If NO, rebuttal: "Ok are you sure? It only takes about 5-10 minutes to get you that FREE evaluation to help you eliminate your debt."
  • If they say NO a second time: "Ok, well please feel free to call back when you have more time and we can check your eligibility then. Thank you. Have a good day"

  • If YES, continue.

"Here at Debt Advisors, we understand every situation is unique that's why we design a solution that adapts to your needs and specific circumstances. It looks like I have a debt specialist available right now for a No Commitment, FREE debt evaluation."Transition statement:"Would you have a minute?"

Educational Rebuttal 1

"The program can help you save a significant amount of money, put a stop to collection calls and pay off all your credit card debts once and for all." Transition statement: "Do you recall how much you owe? ""Is it more than 10k 15k or pushing 20 plus?"

"We can help put a stop to the collection calls. At the moment we have a group of attorneys that renegotiate the terms of your debt with your creditors and help you find a fresh start. At the moment we have thousands of happy clients becoming debt free as soon as possible. Let me go ahead and connect you with a debt specialist for a No Commitment, FREE debt evaluation."Transition statement: "Do you recall how much you owe? ""Is it more than 10k 15k or pushing 20 plus?"

Educational Rebuttal 2

Educational Rebuttal 3

"Once we determine your eligibility, the debt settlement specialist will give you specifics on what best fits your needs"

"This initial transfer to my debt specialist is for a NO COMMITMENT-absoloutely FREE evaluation to figure out if you're a good candidate for our debt-elimination process"

Debt Settlement Plan


Evaluation Cost



"The initial debt evaluation will NOT affect your credit score. Our senior representatives will only do a soft pull which doesn't affect it on your records. For any further questions, I would recommend asking one of our experts."

Credit Score

We can share with the customer:"I'm in California"(never mention calling from Mexico)

"We usually get your information from online requests that you or a family member made through our Debt Advisors website."

"Where are you located?"

"How did you get my information?"



"What's a better time to call you back when you will have 5-10 minutes? "

"More than anything I'd like to see if you qualify for our programs. If you do run out of time, my licensed agent will schedule a callback, so you can start your debt-elimination process as soon as possible"

Second attempt-transition to CB set up

First attempt-overcome