Speak: I’m truly sorry to hear about your situation. I’m certainly not trying to make it worse. I believe that I may be able to offer a potential way out of this debt. Lets we work together for a few minutes because I would really like to help you?
Instruction: If consumer Says No
Speak: After reviewing your file, I think we can help you. I understand that what you just told me keeps you from being able to pay as much as you would like to right now. I may be able to offer you a potential way out of this debt.