Key Information on Every Call
It looks like you spoke to our reach out department and meet the basic criteria for possibly reducing your payments or consolidating.
Now we do have a variety of options available, some of which can reduce your interest rates significantly by simply combining all your credit cards into one low monthly payment and other programs are secured funds like personal loans with a lower interest rate.
By the way, I have here that your balances are approximately , correct?
Okay well, it's going to be my responsibility to EXPLORE all possibilities and help you figure out what you're eligible for. Now, if we find something that makes sense, we'll go over it together, and I'll make sure you understand the details before we do anything, sound good?
Okay good. And if you're not eligible, I'll also explain why.
Alright, well I'll just start by quickly reviewing some of the details I already have, and then I'm going to get to know your situation a bit more and ask you a few questions that will help increase your chances of getting approved, alright?
The short answer is no. Credit Counseling is a creditor approved program that lowers your interest rates and allows your cards to be paid off within 4-5 years. The drawbacks to it are that your payments typically stay the same and the agency that pays your creditors reports as a third party on your credit for up to 7 years. It means that you needed assistance to pay your debts.
to give you a little bit of information about who we are, the name of our company is Mentor Financial. We are a highly rated and trusted Debt Resolution company that specializes in helping individuals like yourself get out of debt and help protect your credit health through very effective consumer programs. We are located in Southern California and you can find additional information about our company by visiting our website at MentorFinancial.net; hopefully, this gives you a good sense of comfort and peace of mind that you're speaking with a reputable financial organization.
Based on the information in our records, you have been pre-selected to be reviewed for one of the debt solutions programs that can cut down your payments or interest rates by half. Do you still have over 10,000 dollars in credit card debt?
Now we do have a variety of options available, some of which can reduce your interest rates significantly by simply combining all your credit cards into one low monthly payment. And other programs are secured funds with a lower interest rate. On average, we're able to reduce payments by nearly half of what you're currently paying right now, and we can have you completely debt-free in as little as 18-48 months.
Now, the reason why your application has been referred to my department is that you meet the MINIMUM criteria for interest rate or payment reductions on your current unsecured debt. It’s going to be my responsibility to EXPLORE all available benefits to help your overall monthly payments, ok? Now, Do you still reside in the state of [State], Correct?
The short answer is no. Credit Counseling is a creditor approved program that lowers your interest rates and allows your cards to be paid off within 4-5 years. The drawbacks to it are that your payments typically stay the same and the agency that pays your creditors reports as a third party on your credit for up to 7 years. It means that you needed assistance to pay your debts.
to give you a little bit of information about who we are, the name of our company is Mentor Financial. We are a highly rated and trusted Debt Resolution company that specializes in helping individuals like yourself get out of debt and help protect your credit health through very effective consumer programs. We are located in Southern California and you can find additional information about our company by visiting our website at MentorFinancial.net; hopefully, this gives you a good sense of comfort and peace of mind that you're speaking with a reputable financial organization.
Based on the information in our records, you have been pre-selected to be reviewed for one of the debt solutions programs that can cut down your payments or interest rates by half. Do you still have over 10,000 dollars in credit card debt?
Now we do have a variety of options available, some of which can reduce your interest rates significantly by simply combining all your credit cards into one low monthly payment. And other programs are secured funds with a lower interest rate. On average, we're able to reduce payments by nearly half of what you're currently paying right now, and we can have you completely debt-free in as little as 18-48 months.
Now, the reason why your application has been referred to my department is that you meet the MINIMUM criteria for interest rate or payment reductions on your current unsecured debt. It’s going to be my responsibility to EXPLORE all available benefits to help your overall monthly payments, ok? Now, Do you still reside in the state of [State], Correct?
Voicemail - Outbound Follow Up Script
First follow up attempt:
Hi (First Name), this is . I’m calling to remind you about your eligibility for the credit card interest rate reduction programs. It’s important we chat before any changes occur. I can help you figure out which plan you are eligible for. Hope you’re doing well. You can call me back at___-____. I’m here until _______pm. Talk to you soon.
Could you please provide me with the Reference Number so I can pull your file? It should be on the top right hand corner of the mail piece.
Hi [Your name] I'm not sure if you remember but some time ago, you had a conversation about your credit card debt and our UW team felt you were eligible for a payment/balance reduction, do you recall?