"OKAY, PERFECT. GIVE ME JUST A MOMENT WHILE THIS LOADS INTO OUR SYSTEM."
"ALRIGHT, I'M SEEING THE ACCOUNTS POPULATING NOW."
"BASED ON WHAT'S COMING UP HERE, IT LOOKS LIKE YOUR TOTAL DEBT ACROSS THESE ACCOUNTS IS AROUND . DOES THAT SOUND ABOUT RIGHT TO YOU?"
"OKAY. LET'S DO A QUICK HIGH-LEVEL REVIEW OF WHAT WE'RE LOOKING AT SO I CAN GET A CLEAR PICTURE OF WHERE THINGS STAND."
"I'M SEEING A TRANSUNION SCORE OF SO IT LOOKS LIKE IT HAS DROPPED QUITE A BIT. I WANT TO SAY THIS UP FRONT, THIS IS A LOT MORE COMMON THAN PEOPLE WOULD THINK. CREDIT SCORES ARE DYNAMIC, AND MOST OF THE TIME THEY'RE JUST A REFLECTION OF WHAT LIFE HAS REQUIRED OF YOU OVER THE PAST FEW YEARS. THEY'RE NOT A MEASURE OF WHO YOU ARE OR WHETHER YOU'VE DONE SOMETHING RIGHT OR WRONG."
"NOW, THE SCORE IS A BIT LOW, BUT THAT DOESN'T MEAN WE CAN'T GET SOMETHING DONE FOR YOU HERE. I'M ON YOUR TEAM AND I'M HERE TO HELP. SO, LET'S WALK THROUGH WHAT'S SHOWING ON THESE ACCOUNTS AND TALK ABOUT WHAT'S BEEN GOING ON ON YOUR END."
Post for QA and go over accounts with client
"TAKING A LOOK AT THESE ACCOUNTS, IT LOOKS LIKE YOU'VE BEEN STAYING CURRENT FOR THE MOST PART WHICH IS GREAT, YOU'VE BEEN DOING WHAT YOU NEED TO DO TO KEEP THINGS MOVING AND STAY ON TOP OF IT."
"NOW, IF YOU DON'T MIND ME ASKING, ABOUT HOW MUCH DO YOU THINK YOU'RE PAYING MONTHLY TO MAINTAIN THIS AND KEEP EVERYTHING CURRENT?"
"OKAY, GOT IT. THAT'S A SIGNIFICANT AMOUNT GOING OUT EACH MONTH."
"NOW, , I WORK WITH A LOT OF PEOPLE IN A SIMILAR SITUATION TO YOU, AND THIS TENDS TO BE WHERE THE FRUSTRATION SETS IN. YOU'RE MAKING THE PAYMENTS, YOU'RE DOING THE RIGHT THINGS, BUT IT CAN FEEL LIKE YOU'RE JUST TREADING WATER… NO SUBSTANTIAL MOVEMENT ON YOUR BALANCES, PAYING INTEREST RATES THAT ARE PRETTY MUCH CRIMINAL. I GET IT. IT'S EXTREMELY DIFFICULT TO MOVE FORWARD IN A SITUATION LIKE THIS AND YOU'RE NOT ALONE."
"LOOKING AT YOUR PROFILE, I'M ALSO SEEING THAT YOUR CREDIT UTILIZATION IS CURRENTLY AROUND , WHICH IS COMMON IN SITUATIONS LIKE THIS AND CAN DEFINITELY PUT PRESSURE ON THE SCORE OVER TIME."
"LISTEN, IT'S A TOUGH SPOT TO BE IN. YOU'RE DOING YOUR PART, BUT THE STRUCTURE OF THE DEBT IS MAKING IT IMPOSSIBLE TO GAIN GROUND. THAT ALSO CAN LIMIT WHAT TRADITIONAL OPTIONS ARE AVAILABLE TO YOU. THAT'S WHY IT'S IMPORTANT FOR ME TO UNDERSTAND THE FULL STORY, NOT JUST THE NUMBERS."
"SO LET ME ASK YOU THIS. WHAT WAS GOING ON WHEN THIS STARTED TO BUILD UP FOR YOU? WAS IT SOMETHING LIKE A CHANGE IN INCOME, A JOB SITUATION, A MEDICAL ISSUE, OR SOMETHING ELSE THAT CAME UP?"
"TAKING A LOOK A LITTLE CLOSER AT THESE ACCOUNTS, IT DOES LOOK LIKE A FEW OF THEM HAVE FALLEN BEHIND, WHICH IS VERY COMMON WHEN SOMEONE IS JUGGLING THIS MANY PAYMENTS AT ONCE."
"FOR MOST PEOPLE IN THIS POSITION, IT'S NOT ABOUT A LACK OF EFFORT. YOU'RE MAKING PAYMENTS WHERE YOU CAN AND DOING YOUR BEST TO KEEP THINGS MOVING, BUT OVER TIME, IT CAN JUST BECOME HARDER TO KEEP EVERYTHING CURRENT."
"LOOKING AT YOUR PROFILE HERE, I'M ALSO SEEING THAT YOUR REVOLVING CREDIT UTILIZATION IS AROUND , WHICH IS CONSISTENT WITH WHAT WE SEE IN SITUATIONS LIKE THIS AND CAN ADD ADDITIONAL PRESSURE TO THE PROFILE OVER TIME."
"SO, , THIS HELPS ME UNDERSTAND THE NUMBERS, BUT THE PART THAT REALLY MATTERS IS WHAT WAS GOING ON BEHIND THE SCENES."
"LET ME ASK YOU THIS. WHAT WAS HAPPENING WHEN THIS STARTED TO BUILD UP FOR YOU? WAS IT A CHANGE IN INCOME, A JOB SITUATION, A MEDICAL ISSUE, A FAMILY MATTER, OR SOMETHING ELSE THAT CAME UP?"
"I HEAR YOU, . AND I WANT YOU TO KNOW, YOU'RE NOT ALONE IN THIS. WE HEAR STORIES LIKE YOURS EVERY SINGLE DAY. AND IT'S NOT YOUR FAULT."
"FOR MOST PEOPLE, THIS ISN'T ABOUT BEING CARELESS WITH MONEY. IT'S ABOUT DOING WHAT YOU NEED TO DO TO COVER EXPENSES AND KEEP THINGS MOVING. NOW, OVER TIME, WITH THE UNFAIR WAY THESE ACCOUNTS ARE SET UP, IT MAKES IT REALLY HARD TO MAKE ANY KIND OF PROGRESS, EVEN WHEN YOU'RE DOING EVERYTHING YOU CAN."
"NOW, YOU'RE TRYING YOUR BEST TO MOVE FORWARD AND IMPROVE YOUR SITUATION, BUT TRADITIONAL OPTIONS DON'T ALWAYS LINE UP CLEANLY WITH WHERE THINGS ARE AT TODAY. THAT'S WHY IT'S IMPORTANT FOR ME TO UNDERSTAND WHAT MATTERS MOST TO YOU, SO WE'RE FOCUSED ON THE RIGHT OUTCOME."
"SO LET ME ASK YOU THIS, . WHEN YOU THINK ABOUT GETTING THIS SITUATION UNDER CONTROL, WHAT'S MOST IMPORTANT TO YOU RIGHT NOW?"
IS IT FREEING UP SOME ROOM IN YOUR MONTHLY BUDGET? IS IT HAVING A CLEAR PATH TO GETTING OUT OF DEBT? IS IT RELIEF FROM HIGH INTEREST AND CONSTANT JUGGLING? OR IS IT A COMBINATION OF THOSE THINGS?
"OKAY, I HEAR YOU, , AND I APPRECIATE YOU WALKING ME THROUGH ALL OF THAT. IT REALLY HELPS ME GET A CLEAR PICTURE OF HOW TO MOVE FORWARD."
"BASED ON WHAT I'M SEEING, THE NEXT STEP FOR ME IS TO TAKE A CLOSER LOOK AT YOUR FILE AND REVIEW A FEW MORE DETAILS ON MY END TO SEE WHAT OPTIONS MAY BE AVAILABLE."
"WITH WHERE YOUR CREDIT PROFILE IS RIGHT NOW, THIS ISN'T SOMETHING I CAN FINALIZE INSTANTLY, SO I JUST NEED A COUPLE OF MINUTES TO REVIEW EVERYTHING AND CONFIRM THE BEST PATH FORWARD."
"GO AHEAD AND HANG TIGHT FOR ME FOR JUST A MOMENT. THIS USUALLY TAKES A FEW MINUTES, AND I'LL COME RIGHT BACK AND WALK YOU THROUGH WHAT I'M SEEING."
"ALRIGHT, , THANK YOU FOR HOLDING. ARE YOU STILL WITH ME?"
"PERFECT."
"SO, I'VE HAD A CHANCE TO REVIEW EVERYTHING, AND HAVE SOME GREAT NEWS! WE DO HAVE AN OPTION AVAILABLE FOR YOU HERE. WE'RE GOING TO BE ABLE TO PUT YOU IN A MUCH BETTER SITUATION, AND MORE IMPORTANTLY, SAVE YOU TONS OF MONEY!"
"WHAT I'D LIKE TO DO NOW IS WALK YOU THROUGH WHAT THAT LOOKS LIKE, STEP BY STEP, SO YOU HAVE A CLEAR UNDERSTANDING OF HOW IT WORKS AND WHAT TO EXPECT."
"YOU'LL ALSO RECEIVE ALL OF THE DETAILS IN WRITING, BUT BEFORE WE DO THAT, I WANT TO MAKE SURE WE'RE FULLY ALIGNED."
"IF YOU DON'T MIND, GO AHEAD AND GRAB A PEN AND A PIECE OF PAPER SO YOU CAN JOT A FEW THINGS DOWN AS WE GO."
"JUST TAKE YOUR TIME, LET ME KNOW WHEN YOU'RE READY."
"OKAY, PERFECT. LET'S WALK THROUGH THIS TOGETHER."
"ALRIGHT, , I'VE TAKEN A CLOSER LOOK AT YOUR FILE AND DONE THE DUE DILIGENCE ON THE LENDING SIDE OF THINGS, TO SEE WHAT MAY BE AVAILABLE."
"AFTER LOOKING AT THE TRADITIONAL LENDING OPTIONS THAT ARE TYPICALLY AVAILABLE IN SITUATIONS LIKE THIS, I'M NOT SEEING A LOAN THAT WOULD REALISTICALLY PUT YOU IN A BETTER POSITION THAN WHERE YOU ARE RIGHT NOW."
"AND I WANT TO BE VERY CLEAR ABOUT WHY."
"WITH YOUR CURRENT CREDIT PROFILE AND BALANCES, EVEN IF A LOAN WERE AVAILABLE, IT WOULD COME WITH VERY UNFAVORABLE TERMS, WHICH WOULD END UP PUTTING YOU IN A MUCH WORSE POSITION THAN YOU'RE IN TODAY. LISTEN , WE'RE NOT LOAN SHARKS HERE. WE WANT TO HELP YOU, NOT HURT YOU. AND THAT'S WHY IN SITUATIONS LIKE THIS, WE LOOK AT ALTERNATIVE OPTIONS THAT ARE DESIGNED TO HELP PEOPLE GAIN CONTROL AND MOVE FORWARD WITHOUT TAKING ON ADDITIONAL HIGH-RISK DEBT."
"AND THAT'S WHAT I'D LIKE TO WALK YOU THROUGH NEXT."
"ALRIGHT, , THE OPTION I'M SEEING FOR YOU IS THROUGH CORDOBA LEGAL GROUP. GO AHEAD AND WRITE THAT NAME DOWN FOR REFERENCE."
"THAT'S C-O-R-D-O-B-A, CORDOBA LEGAL GROUP."
"CORDOBA IS THE INDUSTRY'S TOP RATED FIRM THAT HAS BEEN WORKING WITH CLIENTS IN SITUATIONS LIKE YOURS FOR OVER THREE DECADES. THEY HAVE AN A+ RATING WITH THE BETTER BUSINESS BUREAU AS WELL AS 5/5 STARS ON TRUST PILOT WITH OVER 35,000 POSITIVE REVIEWS. OVER TIME, THEY'VE BUILT ESTABLISHED DIRECT RELATIONSHIPS WITH THE CREDITORS YOU HAVE HERE, WHICH ALLOWS THEM TO STEP IN, ADVOCATE ON YOUR BEHALF, AND WORK TOWARD RESOLVING THESE DEBTS FOR LESS THAN WHAT'S OWED."
"NOW, BEFORE I EXPLAIN HOW THE PROGRAM WORKS, I WANT TO MAKE SURE WE'RE ON THE SAME PAGE WITH WHERE THINGS STAND TODAY, SO THE NUMBERS MAKE SENSE IN CONTEXT. GO AHEAD AND WRITE THIS DOWN."
(Open your DS comparison email in CRM)
"THE ACCOUNTS WE'RE TALKING ABOUT ADDRESSING ARE ACCOUNTS, WITH A TOTAL BALANCE OF . WE'VE ALREADY REVIEWED THOSE TOGETHER."
"FOR REFERENCE, YOUR TRANSUNION SCORE IS CURRENTLY , AND YOUR REVOLVING CREDIT UTILIZATION IS AROUND ."
"THESE NUMBERS HELP EXPLAIN WHY THINGS FEEL STUCK RIGHT NOW, ESPECIALLY WITH HOW MUCH YOU'RE PAYING EACH MONTH VERSUS HOW LITTLE THE BALANCES MOVE."
"SO HERE'S HOW I WANT TO WALK THROUGH THIS WITH YOU FROM HERE."
"FIRST, I'M GOING TO OUTLINE WHAT IT LOOKS LIKE IF YOU CONTINUE ON THE SAME PATH YOU'RE ON TODAY, JUST SO WE HAVE A CLEAR BASELINE."
"THEN, I'LL WALK YOU THROUGH HOW THE CORDOBA PROGRAM IS STRUCTURED, INCLUDING WHAT THE PAYMENTS AND PROCESS LOOK LIKE, SO YOU CAN COMPARE THE TWO SIDE BY SIDE."
"GO AHEAD AND LET ME KNOW WHEN YOU'RE READY, AND WE'LL WALK THROUGH THE NUMBERS TOGETHER."
"ALRIGHT, , LET'S WALK THROUGH THIS SIDE BY SIDE SO YOU CAN SEE THE DIFFERENCE CLEARLY."
"AS THINGS STAND TODAY, YOUR REQUIRED MONTHLY PAYMENT IS AROUND . GO AHEAD AND WRITE THAT DOWN."
"THAT'S A SIGNIFICANT AMOUNT GOING OUT EACH MONTH AND EVEN WITH THOSE PAYMENTS, THE BALANCES ARE HARDLY MOVING."
"AT THAT PACE, IT'S ESTIMATED THAT IT COULD TAKE MONTHS TO GET THESE DEBTS PAID OFF DUE TO HOW INTEREST AND FEES ARE GOING TO ACCRUE OVER TIME."
"NOW, BASED ON THOSE PROJECTIONS, THE ESTIMATED TOTAL COST OF THIS DEBT, INCLUDING INTEREST, WILL REACH APPROXIMATELY ."
"CONTINUING DOWN THIS PATH JUST DOESN'T MAKE SENSE FOR YOU LONG TERM, ESPECIALLY GIVEN HOW MUCH IS GOING OUT VERSUS HOW LITTLE IS ACTUALLY CHANGING, RIGHT?"
"EXACTLY. SO, TIME FOR THE GOOD NEWS! LET'S COMPARE THAT TO HOW CORDOBA'S PROGRAM WILL BE STRUCTURED FOR YOU."
"SO WITH THIS OPTION, YOUR MONTHLY PAYMENT WOULD BE AROUND . SO GO AHEAD AND WRITE THAT DOWN."
"NOW, THE PROGRAM IS STRUCTURED SO THAT EACH PAYMENT YOU MAKE IS GOING TOWARDS RESOLVING THE DEBT ITSELF, RATHER THAN BEING WASTED ON MINIMUM PAYMENTS THAT, AS WE KNOW, JUST COVER INTEREST AND FEES."
"THE ESTIMATED PROGRAM TIMELINE IS GOING TO BE ABOUT MONTHS. WHEN YOU COMPARE THAT TO STAYING ON THE CURRENT PATH, YOU REALLY START TO UNDERSTAND WHY THIS IS A MUCH MORE REALISTIC AND SUSTAINABLE PATH FORWARD."
"WHEN IT COMES TO TOTAL COST OF GETTING ALL OF THESE DEBTS TAKEN CARE OF, WE'RE LOOKING AT ABOUT ."
"NOW, PUTTING THAT SIDE BY SIDE WITH WHAT YOU WOULD HAVE BEEN PAYING ON THESE ACCOUNTS, YOU'RE PROJECTED TO SAVE AROUND AND , THIS IS EXACTLY WHY THIS OPTION MAKES SO MUCH MORE SENSE FOR YOU."
"SO WHEN WE LOOK AT THIS AT A HIGH LEVEL, THE COMPARISON REALLY COMES DOWN TO:"
"THIS IS NOT ONLY A CLEARER PATH FORWARD FOR YOU BUT A STRUCTURED PROCESS DESIGNED TO HELP YOU WORK THROUGH THE DEBT, RATHER THAN STAY STUCK SERVICING IT. NOW, I WANT TO PAUSE HERE AND MAKE SURE THIS ALL MAKES SENSE SO FAR."
"DO YOU HAVE ANY QUESTIONS ABOUT THE NUMBERS OR HOW THIS COMPARISON WORKS BEFORE I KEEP GOING?"
"ALRIGHT, , NOW THIS IS REALLY FOR PERSPECTIVE, BECAUSE I KNOW YOU'RE NOT CURRENTLY MAKING PAYMENTS ON ALL OF THESE ACCOUNTS. BUT IF YOU WERE TO BE MAKING MINIMUM PAYMENTS AND TRYING TO PAY THESE DEBTS DIRECTLY, YOUR REQUIRED MONTHLY PAYMENT WOULD BE AROUND . GO AHEAD AND WRITE THAT DOWN."
"THAT'S A SIGNIFICANT AMOUNT OF MONEY TO PUT OUT EACH MONTH, ESPECIALLY GIVEN THE SITUATION YOU'RE IN RIGHT NOW."
"FURTHERMORE, EVEN WITH MAKING THOSE PAYMENTS, THE BALANCES WOULD STILL BE VERY SLOW TO MOVE, BECAUSE OF HOW INTEREST AND FEES CONTINUE TO ACCRUE OVER TIME."
"AT THAT PACE, IT'S ESTIMATED THAT IT COULD TAKE MONTHS TO GET THESE DEBTS PAID OFF."
"WHEN YOU FACTOR IN INTEREST OVER THAT TIMEFRAME, THE ESTIMATED TOTAL COST OF THIS DEBT WOULD REACH APPROXIMATELY ."
"CONTINUING DOWN THAT PATH JUST ISN'T REALISTIC LONG TERM, ESPECIALLY WHEN YOU LOOK AT HOW MUCH WOULD BE GOING OUT VERSUS HOW LITTLE PROGRESS WOULD BE MADE, RIGHT?"
"EXACTLY."
"SO, TIME FOR THE GOOD NEWS. LET'S COMPARE THAT TO HOW CORDOBA'S PROGRAM WOULD BE STRUCTURED FOR YOU."
"WITH THIS OPTION, YOUR MONTHLY PROGRAM PAYMENT WOULD BE AROUND . GO AHEAD AND WRITE THAT DOWN."
"NOW, THIS PROGRAM IS STRUCTURED SO YOUR PAYMENTS ARE WORKING TOWARD RESOLVING THE DEBT ITSELF, RATHER THAN GOING TOWARD MINIMUM PAYMENTS THAT MOSTLY SERVICE INTEREST AND FEES, WHICH IS WHAT TYPICALLY HAPPENS WHEN YOU TRY TO PAY THESE ACCOUNTS DIRECTLY."
"THE NEW TIMELINE WOULD BE ABOUT MONTHS. AND WHEN YOU COMPARE THAT TO THE EXTENDED TIMELINE YOU'D BE FACING OTHERWISE, IT REALLY STARTS TO SHOW WHY THIS IS A MUCH MORE REALISTIC AND SUSTAINABLE PATH FORWARD."
"WHEN IT COMES TO THE TOTAL COST OF GETTING ALL OF THESE DEBTS TAKEN CARE OF, WE'RE LOOKING AT AROUND ."
"PUTTING THAT SIDE BY SIDE WITH WHAT YOU WOULD HAVE BEEN ON TRACK TO PAY OVER TIME, YOU'RE LOOKING AT A PROJECTED DIFFERENCE OF AROUND , AND , THIS IS EXACTLY WHY THIS OPTION MAKES SO MUCH MORE SENSE GIVEN WHERE YOU'RE AT."
"SO, , WHEN SOMEONE HAS FALLEN BEHIND ON A FEW ACCOUNTS, THE GOAL REALLY SHIFTS. I KNOW THAT AT THE END OF THE DAY, WHAT YOU WANT IS TO GET THESE DEBTS BEHIND YOU AND START MOVING FORWARD AGAIN, NOT JUST LET THEM SIT THERE OR CONTINUE TO LINGER. IN YOUR CASE, THEY'RE ALSO HINDERING YOU FROM QUALIFYING FOR OTHER FINANCIAL PRODUCTS AND WILL CONTINUE TO DO SO UNTIL THEY ARE TAKEN CARE OF."
"THE REALITY IS, WHEN DEBTS GO UNADDRESSED FOR TOO LONG, THEY DON'T JUST STAY THE SAME. OVER TIME, THINGS CAN ESCALATE, AND THE SITUATION CAN BECOME MORE COMPLICATED AND MORE STRESSFUL THAN IT NEEDS TO BE."
"THAT'S WHY A LOT OF PEOPLE IN YOUR POSITION DECIDE TO TAKE CONTROL AND GET BACK ON TRACK WITH A STRUCTURED PLAN LIKE THIS, INSTEAD OF LETTING THINGS DRAG ON."
"ONE OF THE BIG ADVANTAGES HERE, ESPECIALLY GIVEN WHERE YOU'RE AT, IS THAT THIS PROGRAM ALSO PROVIDES LEGAL PROTECTION WHILE THE DEBTS ARE BEING WORKED THROUGH, WHICH GIVES YOU BREATHING ROOM AND HELPS PREVENT THE SITUATION FROM GETTING WORSE WHILE YOU'RE ACTUALLY DOING SOMETHING ABOUT IT."
"PUT SIMPLY, THIS IS ABOUT GETTING AHEAD OF THE PROBLEM, NOT WAITING FOR IT TO GROW. AND FOR A LOT OF PEOPLE, THAT PEACE OF MIND IS JUST AS IMPORTANT AS THE NUMBERS THEMSELVES."
"I WANT TO PAUSE HERE AND MAKE SURE THIS ALL MAKES SENSE SO FAR."
"DO YOU HAVE ANY QUESTIONS ABOUT THE NUMBERS OR HOW THIS COMPARISON WORKS BEFORE I KEEP GOING?"
"GREAT. IT SOUNDS LIKE WE'RE ON THE SAME PAGE WITH THE NUMBERS. NOW I JUST WANT TO WALK YOU THROUGH WHAT THIS ACTUALLY LOOKS LIKE IN REAL LIFE, SO THERE ARE NO SURPRISES."
"HERE'S THE BIG PICTURE."
"ONCE YOU ENROLL, YOU'LL STOP PAYING CREDITORS DIRECTLY AND TURN OFF ANY AUTO-PAYMENTS. THAT'S A GOOD THING, BECAUSE IT STOPS MONEY FROM GOING OUT WITHOUT REALLY MOVING YOU FORWARD."
"INSTEAD, YOU'LL MAKE ONE LOWER MONTHLY PAYMENT INTO A DEDICATED ESCROW ACCOUNT THAT'S SET UP IN YOUR NAME. YOU'LL HAVE FULL ONLINE ACCESS TO IT, SO YOU CAN ALWAYS SEE WHERE YOUR MONEY IS."
"AS THOSE FUNDS START TO BUILD UP, CORDOBA STEPS IN AND TAKES OVER."
"THEY FORMALLY NOTIFY YOUR CREDITORS THAT THEY'RE REPRESENTING YOU, AND FROM THAT POINT ON, ALL COMMUNICATION AND NEGOTIATIONS GO THROUGH THEM, NOT YOU."
"THE LEGAL TEAM WILL APPROACH EACH CREDITOR, EXPLAIN WHAT YOU'VE BEEN DEALING WITH, AND WORK TO NEGOTIATE A MORE MANAGEABLE RESOLUTION."
"WHEN A SETTLEMENT IS REACHED, THEY'LL CONTACT YOU, WALK YOU THROUGH IT, AND GET YOUR OKAY BEFORE ANY MONEY IS SENT. ONCE YOU APPROVE IT, THE FUNDS ARE DISBURSED FROM YOUR ESCROW ACCOUNT AND WE HANDLE ALL OF THAT FOR YOU."
"THIS HAPPENS ONE ACCOUNT AT A TIME, AND THROUGHOUT THE ENTIRE PROCESS, YOUR ONLY JOB IS MAKING THAT ONE MONTHLY PAYMENT. EVERYTHING ELSE IS HANDLED ON YOUR BEHALF."
"NOW, I DO WANT TO QUICKLY TOUCH ON CREDIT."
"BECAUSE YOU'RE NOT PAYING CREDITORS DIRECTLY, THERE CAN BE A TEMPORARY IMPACT TO YOUR CREDIT PROFILE. THAT'S NORMAL. CREDIT SCORES MOVE BASED ON PATTERNS OVER TIME, AND RIGHT NOW, THE BIGGEST THING HOLDING YOU BACK IS UNRESOLVED DEBT."
"BY ACTUALLY WORKING THROUGH AND RESOLVING THESE ACCOUNTS, YOU'RE REMOVING A MAJOR ROADBLOCK AND TAKING A STRONG STEP TOWARD A HEALTHIER FINANCIAL FUTURE."
"AND JUST AS IMPORTANT, YOU'LL HAVE LEGAL PROTECTION THROUGHOUT THE PROCESS. YOU WON'T NEED TO DEAL WITH CREDITORS DIRECTLY, AND IF ANYONE DOES REACH OUT, YOU JUST PASS IT ALONG AND THE LEGAL TEAM TAKES CARE OF IT."
"SO YOU'RE NOT DOING THIS ALONE. YOU HAVE A FULL TEAM SUPPORTING YOU."
"THAT'S THE PROCESS AT A HIGH LEVEL."
"DO YOU HAVE ANY QUESTIONS ABOUT HOW THIS WORKS OR WHAT THE NEXT STEPS LOOK LIKE FROM HERE?"
"PERFECT. SO AT THIS POINT, IT REALLY JUST COMES DOWN TO GETTING THIS SET UP IN A WAY THAT WORKS BEST FOR YOU."
"NOW, THERE'S NO PAYMENT TAKEN OVER THE PHONE TODAY. WE NEED AT LEAST 3 DAYS TO PROCESS YOUR ENROLLMENT. THE SOONEST AVAILABLE START DATE WOULD BE , IS THAT A GOOD DAY FOR THAT FIRST PAYMENT TO COME OUT?"
(If no) "OKAY NO PROBLEM, LET ME ASK YOU WHEN IS THE NEXT TIME YOU GET PAID? OKAY GREAT, WE CAN GO AHEAD AND SET IT FOR THAT DATE IF THAT WOULD WORK BEST."
"PERFECT. I'VE GOT NOTED AS YOUR START DATE."
"AND JUST AS A REMINDER, ANY ACCOUNTS THAT ARE INCLUDED IN THE PROGRAM, YOU'LL WANT TO TURN OFF ANY AUTO-PAYMENTS OR STOP SENDING PAYMENTS DIRECTLY, SO EVERYTHING STAYS CLEAN AND CONSISTENT MOVING FORWARD."
"NOW THE NEXT THING I NEED FROM YOU IS THE BANKING INFORMATION FOR THE ACCOUNT YOU'D LIKE TO USE, WHO DO YOU BANK WITH?"
"OKAY GREAT AND ONCE YOU HAVE IT, JUST GO AHEAD WITH THE ROUTING AND ACCOUNT NUMBER FOR THAT ACCOUNT. (Read back to confirm)"
"PERFECT. I'VE GOT THAT SAVED."
"FROM HERE, I'M GOING TO SEND YOU A SIMPLE ELECTRONIC AGREEMENT VIA TEXT MESSAGE. IT ONLY TAKES A MOMENT TO REVIEW AND SIGN."
"AFTER THAT, I'LL CONNECT YOU DIRECTLY WITH CORDOBA FOR A QUICK WELCOME CALL, JUST TO INTRODUCE YOU TO THE TEAM AND CONFIRM EVERYTHING IS SET UP CORRECTLY."
"BEFORE I SEND THAT OVER, I JUST WANT TO DOUBLE-CHECK A FEW DETAILS TO MAKE SURE EVERYTHING IS ACCURATE."
(Verify basic info: name, DOB, SSN, address, email)
"PERFECT."
"NOW, ONE LAST PIECE WE'LL TAKE CARE OF TOGETHER IS YOUR HARDSHIP STATEMENT. THIS JUST HELPS THE LEGAL TEAM PROPERLY REPRESENT YOUR SITUATION."
"BASED ON WHAT YOU SHARED WITH ME, I'M GOING TO NOTE THAT . DOES THAT SOUND ACCURATE, OR IS THERE ANYTHING YOU'D LIKE ME TO ADD OR ADJUST?"
"GREAT. I'VE GOT THAT NOTED."
(If budget analysis isn't done) "AND LASTLY, WE'LL QUICKLY CONFIRM YOUR BUDGET, JUST TO MAKE SURE EVERYTHING IS ALIGNED. I HAVE YOUR NET INCOME AT . LET'S WALK THROUGH YOUR MAIN EXPENSES TOGETHER AND MAKE SURE THIS FEELS COMFORTABLE."
"OKAY, GREAT. EVERYTHING IS ALL SET ON MY END, AND I HAVE THE GREEN LIGHT TO GET YOUR PAPERWORK OUT TO YOU."
"THIS PART IS SUPER SIMPLE. I'M GOING TO SEND THE DOCUMENTS TO YOU VIA TEXT MESSAGE, AND I'LL ALSO SEND A COPY TO YOUR EMAIL AS A BACKUP."
"GIVE ME JUST A SECOND… ALRIGHT, IT'S BEEN SENT."
"GO AHEAD AND CHECK YOUR PHONE FOR ME. DO YOU SEE THE TEXT COME THROUGH?"
"PERFECT."
"SO IF YOU OPEN THAT TEXT, YOU'LL SEE A BLUE LINK WITH MY NAME ON IT. GO AHEAD AND TAP THAT LINK."
"ON THE FIRST PAGE, YOU'LL JUST CHECK A COUPLE OF BOXES AND HIT THE BEGIN SIGNING BUTTON AT THE BOTTOM."
"FROM THERE, IT WALKS YOU THROUGH EVERYTHING STEP BY STEP. ALL YOU NEED TO DO IS TAP WHERE IT SAYS SIGN HERE OR INITIAL HERE. IT'LL AUTOMATICALLY MOVE YOU TO THE NEXT SPOT EACH TIME."
"THE FIRST TIME YOU SIGN, IT'LL ASK YOU TO SELECT A SIGNATURE STYLE. JUST PICK ONE, HIT ADOPT, AND YOU'RE GOOD TO GO."
"THERE ARE ONLY A FEW SIGNATURES TOTAL, SO IT GOES PRETTY QUICKLY."
"ONCE YOU'VE FINISHED, YOU'LL SEE A FINISH DOCUMENT BUTTON AT THE END. GO AHEAD AND TAP THAT, AND IT'LL SEND EVERYTHING BACK TO ME."
"JUST LET ME KNOW WHEN YOU HIT FINISH, AND I'LL CONFIRM I RECEIVED IT."
"AND JUST SO YOU KNOW, YOU'LL AUTOMATICALLY GET A PDF COPY FOR YOUR RECORDS, AND IT'LL ALSO BE STORED IN YOUR ONLINE PORTAL."
"TAKE YOUR TIME, AND IF ANYTHING POPS UP OR YOU HAVE A QUESTION, I'M RIGHT HERE WITH YOU."
"OKAY, THAT'S ALL DONE. CONGRATULATIONS, . I'M REALLY GLAD I WAS ABLE TO HELP YOU GET THIS SET UP TODAY."
"THE VERY LAST STEP IS A QUICK WELCOME CALL WITH CORDOBA'S QUALITY CONTROL TEAM. THIS IS JUST A SHORT CALL TO INTRODUCE YOU TO THEIR TEAM AND CONFIRM EVERYTHING IS SET UP CORRECTLY."
"BEFORE I CONNECT YOU, I WANT TO GIVE YOU MY DIRECT LINE, JUST SO YOU HAVE IT MOVING FORWARD. AND OF COURSE, CORDOBA WILL ALSO PROVIDE YOU WITH ALL OF THEIR DIRECT CONTACT INFORMATION AS WELL."
"MY DIRECT NUMBER IS 323-444-5555, AND AGAIN, MY NAME IS ."
"IN A MOMENT, I'M GOING TO CONNECT YOU OVER TO CORDOBA. THEY'LL WALK YOU THROUGH A FEW QUICK CONFIRMATIONS, AND ONCE THAT'S DONE, YOU'LL BE ALL SET."
"I'LL GO AHEAD AND SUBMIT YOUR FILE NOW AND GET YOU CONNECTED."