Speak: Mr./Ms. XXXX, you obviously have a reason for stating this, may I ask what it is in order for me to assist you?
Instruction: Wait for the response.
Speak: I can see your point. If you give me few minutes, we can go through this quickly, and I can look for options that would help you start to take the steps necessary to resolve this debt. Would you be willing to speak with me for just a few more minutes?
Instruction: If ‘Yes’ click here to proceed with FC. If ‘No’ proceed with call closing and put the numbers and address ‘On Notice’. Dispose the call appropriately and request manager review