"Call me back / I want to think about it" (score under 680)

(client name) it's important to remember that your score is (their score) and I got an exceptional approval on your file because of your hardship. Normally we need a score of (15 points higher than their score) or else it is denied. So we have the approval but it is not open ended. The best thing you can do is enroll now which doesn't cost anything to start so that you have a team that can protect you legally and you will have a payment that you can afford before this gets any worse for you. Once your creditors sue you it gets very expensive and eventually they can garnish your wages and go after assets legally. You do not want to find yourself in that position, trust me. This is perfect timing to take control of this plan before it is too late. We are on your team and will work hard for you and always have your best interest in mind. I will walk you through the next steps to enroll every step of the way, so from here…. (go to next closing steps)

"I only want a loan"

I hear you (client name) but here is the reality of your situation. The only way to get out of debt is get your debt paid off with a payment you can afford, and that is exactly what this debt relief program will do. With your credit score at (their score) there just is not a loan that exists for that score and a loan would not save you any money at all, it would only bury you deeper. You can't borrow your way out of debt, it doesn't work that way. It is a blessing that this program was created and you will have certified debt experts negotiating your debts down for you. We are going to remove all future interest payments, cut at least 10 years off the current payback path you are on and save you (monthly savings) every month! The options available for you are determined by your credit score and so this program is the best and only option and fits your goals perfectly! So I will walk you through each step and remember we are on your team to get you out of debt once and for all! So from here….

"I'm not interested"

As you mentioned earlier, getting out of debt and having your monthly budget under control is a big goal of yours. This program was designed for people in your exact situation. Not only is this your only option but it is your best option that saves you the most money! You will no longer be wasting your hard earned money to your high interest payments and you will be shaving off at least 10 years of your life with this debt draining your finances every month! Your team will renegotiate your payments and balances so you can pay a fraction of what you are currently paying per month. If our program can renegotiate your balances, reduce your payments by more than 40% and get you debt free faster, this will work perfectly for you and is the smartest decision you can make, I promise you that! … That's exactly how this service works, it's real simple. (back to script)

"I don't know who you are"

I hear you and I am a real person with a real company and am happy to prove that in a few different ways. We have been doing this for more than 12 years and have helped more than 400,000 Americans nationwide. But before we move forward let me give you all of our information. Once again my name is (say first and last name) and I'm with UpTurn. Our telephone number is (855) 887-8876 and we can be reached there Monday thru Friday between 8am and 5pm PST. Our website is UPTURN.COM. We will also be sending you an email with all of this information — what's the best email to send this to?

"Do I stop paying my credit cards / personal loans?"

That's a great question and I'm glad you asked! Once you are enrolled you will stop paying your creditors directly and will keep that hard earned money in your bank account! I'm not in a position to provide "legal advice," which I'm sure you can appreciate. Having said that, the purpose of the program is for us to renegotiate your payments and balances so we can help get you out of debt a lot faster. I can say that all of our clients do stop paying their creditors once they enroll into the program, they stop making those payments of course. Does that answer your question? Great!

"I don't want to close my credit cards"

(name) let me ask you a question — are you currently using the cards? (if yes) How much available credit do you have on those cards to use every month? How long have you been in this position for?

(if no — cards are maxed out, only making minimum payments) And how long have you been in this position for?

The point of this program is to get you out of debt and be in charge of your finances! Think about it this way: as soon as you start the program with us, your credit cards will completely reset within 2 years and your credit score will be refreshed. So, you'll have great credit and new cards with zero balances. This situation is extremely common, millions of Americans are in this position at the moment, and the only way to really end the cycle is by having an immediate and substantial increase to your income so you can pay down the cards, or to enroll into a relief program where in 2 years from now you are debt free with a fresh start, new cards and a clean credit report. Make sense?

"I don't want to close my credit cards" — version 2

(name) many people are trying to end the cycle and get out of debt on their own but can't afford to. While people may eventually make more money over time, it's often not enough to keep up with living expenses and pay down their credit cards. As a result, they get stuck in a cycle of only making minimum payments (which the credit companies love). This results in years of maintaining a low credit score and paying compound interest on cards that are maxed out, offering no additional credit or serving their intended purpose. Once you enroll in the hardship program, we set a 24-month goal to completely transform your credit standing. By then, you'll be able to use credit cards with zero balances, qualify for car leases, mortgages, refinancing, and enjoy all the benefits of a healthy credit score. The sooner we start, the sooner you'll be out of this situation. This is the quickest and easiest way to get out of debt with no interest charges or credit score requirements. Let's get started!

"I don't want to close my credit cards" — version 3

I'm sure you can see the value in lowering your payments, reducing balances, and being debt free faster, right? So, what's really holding you back from taking advantage of this today?

"What will happen to my credit score? Will it drop? When will it go back up — how long before I am lendable again?"

Great question, (name). We understand how important your credit score is, and improving it is a key benefit of our program. Here's how it works: once you enroll, our team, including a senior negotiator, will start working with your creditors right away. Initially, you might see a small drop to your credit score within the first 90 days as we stop payments while negotiating your debts. However, your score will begin to improve as we settle those balances. Currently, your high credit utilization is negatively impacting your score and making it difficult to get approved for credit. By reducing your debt through our program, you'll reset your credit and improve your score within 24 months or less. This is the quickest and easiest way to get out of debt. The sooner we begin, the sooner you'll be debt free and your credit score will be where it needs to be. Does that make sense?

"I had this call before"

I'm not sure who called you in the past, but our company hasn't called you before. Our service is very different and this is the quickest and easiest way to get out of debt with zero interest charges and no credit score requirements. I'll explain… (back to script)

"How much is this all going to cost?"

The cost is the best part of our service! We are here to save you thousands of dollars each year, not add any money to the burden. In order to qualify for our program, you must pay significantly less than what you are currently paying. There is no upfront cost and you will be saving money immediately from day one! Let me explain… (back to script)

"Put me on the do not call list"

I will put you on our do not call list ☺ Thank you for your time, have a great day.

"We are almost paid off; balances are really low"

Congratulations! Happy to hear you are almost paid off and soon to be debt free ☺ Before I let you go, what are your current balances as of today on your credit cards? Do you have any personal loans or any other unsecured debt — we can help with those too!

"I'm not interested"

I know you get a lot of calls. What we offer is the quickest and easiest way to get out of credit card debt with no interest charges and no required credit scores. I'll keep this brief…. It's real simple how this works… (move to display)

"Call me back / send me some information"

Happy to schedule a time to call you back at a more convenient time, but before I let you go, I would like to run your file through our 60 second analyzer to determine if you qualify for our program. I'll explain, it's real simple. (move to display)

"I don't have time"

I'll keep this brief, it's real simple how this works. (move to display)

"Someone already called me"

I'm not sure who called you in the past, however, what we offer is very unique, effective and the easiest way to get out of credit card debt fast. I'll quickly explain how it works. (move to display)

"I'm already working with someone else"

Great! We don't want you to take away anything that's currently working for you, our goal is to ensure you are getting the best outcome. We have a proprietary technology that will evaluate more than 100 points of public data and provide you with an approval to the latest programs within seconds and let you know what your new payment will be for free! It takes no more than 60 seconds to get the results with no obligations. It's real simple how this works. (move to display)

"How much is this going to cost me?"

That's the best part, I'll explain the service and the cost, it's real simple… (move to display)