Lesson 1: What is a bill collector? The duties and objectives of bill collectors

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

Before we begin, take a few minutes and reflect on what you hope to accomplish for yourself or maybe your family from debt collecting? Do you want a full time career or do you want an intermittent career that aids you in your other goals and dreams? Are you experienced or is this your first collection job? Whatever your individual reasons may have been, you will find the job of debt collecting can be of aid to you.

 

This lesson has been designed to aid both experienced and beginning collections’ professionals make the most of their study time and optimize their learning so they can maximize their earnings and commissions, and to aid the collector to make use of their job to help them meet their career and personal goals.

 

Please go to the lesson objectives.

 

Lesson Objectives

To familiarize the new employee or collector with the basics of:

1. The importance and value of debt collecting
2. The rewards of debt collecting
3. The debt collection environment
4. The goals of debt collection
5. The work of debt collectors

 

Please go to the required readings page next.

 

Required Readings

http://www.bls.gov/oco/ocos143.htm

Bill and Account Collectors - found online on the Bureau of Labor Statistics Occupation Outlook Handbook. This covers the duties and goals of the collector, as well as the work environment. (449 words)

 

http://careermatters.tvo.org/careers/display.phtml?job_id=429&type=alpha#specific

This web page is taken from the bureau of labor statistics site above, but it is laid out differently, with bulleted lists. This alternate view of the same material can deepen one’s understanding. (568 words).

 

Please go to the lecture page next.

 

Lecture

The rewards of bill collecting

Most professional debt collectors get into the industry by accident.  They take a job as an in between job, find out they can make a good living, and stay.  That one can make a good living from debt collecting surprises many people, especially people new in the industry, some of whom begin their career at or near minimum wage.

 

Successful debt collectors get commissions as well as salary. Even if a collector gets minimum wage to start, a commission check of two or three thousand dollars per month can turn a minimum wage job into a coveted profession. The author of this lesson personally knows people in the business who earn over $60,000 per year and has heard of others who earn a hundred thousand dollars a year.

 

Another reward of successful bill collecting comes from the internal satisfaction of helping people solve their financial problems in ways the debtor did not even know existed. Many people are not aware of the options available to them to resolve their debts until a knowledgeable debt collector informs them of these other options.

 

Many collectors also find the atmosphere, friendships, and the team effort in collections as fun and interesting. Collection agencies and other employers of debt collectors tend to treat collectors with respect and dignity. To help collectors stay motivated and focused, many provide bonuses, contests, and games that can add fun and can add extra money into the collector’s bank account. Not many jobs reward employees and give as much recognition for successful performance as debt collecting.

The importance of debt collecting

Next, why do you think debt collecting is important? Or do you think it is important? What would happen if there were no debt collectors?

 

Debt collecting is a job with important value to society. That is why there are around 400,000 people employed in the field. Without bill collectors and the means to efficiently collect debts for creditors, our economy would be much weaker than it is today. The cost of goods would rise to offset the additional bad debts losses. In addition, the

 

Another important value of collections is that of educating and informing the debtor or consumer of available options when he or she has a delinquent debt.  You will be surprised at the misconceptions that people have concerning delinquent debts and credit consequences. Over time, if you are not already a seasoned professional, you will learn and know more than virtually any of the debtors you contact concerning the consequences of their debt.

The goals of debt collecting

The goals of debt collecting are quite straightforward. In general, the collector wants to collect as much money per each account that one collects on as one can, while obeying company policies and applicable laws.

The debt-collecting environment

The debt-collecting environment was touched on earlier in this lecture. As a debt collector, you will work in a pleasant office environment with other collectors, management and support staff. You will sit in a comfortable chair at a desk with a computer monitor on it. You will have a telephone to use to talk with debtors. You will also probably have some means of recording your calls, such as in the computer. Although a few companies are going paperless in this digital age, you may also have calendars and reminders on your desk as well.

The work of debt collectors

 

The primary duty that collectors are usually hired for is to collect money from debtors by talking on the telephone and motivating or persuading the debtor to pay.  The main reason companies hire collectors to call on the phone is that it is cheaper than the alternatives, such as taking legal action against a consumer. Moreover, calling on the phone is much more effective than just sending letters to collect a debt.  The author of this lecture once estimated that his collection calls were about 10 times more effective than letters.

 

The typical work day for a collector consists of coming into work on time, clocking in to work, and then a maybe the company has a short motivational and/or informational meeting before the day’s work begins. One then does any organization necessary of the workflow on one’s desk, such as placement of the phone, calendar and computer. Many times one has some priority accounts that should be called at a specific time of day, and these should be scheduled either in the computer, or by hand if the computer does not have scheduling capabilities.  The rest of the day will consist primarily of calling debtors on the phone and attempting to secure payments from them.

 

Please go to the assessments page next.

 

Optional Readings

There are no optional readings for this lesson.

 

Assessments

 

1. Most bill collectors keep records of the debts they service by recording the information on index cards kept in file boxes.
1. True
2. False

 

2. The number of jobs for bill collectors decreases during recessions.
1. True
2. False

 

3. What actions does a bill collector perform first?
1. Offer the customer advice on how to pay their debts
2. Locate and contact the debtor
3. Notify the debtor that you are calling about a past due account
4. Request payment

 

4. How do bill collectors contact debtors, according to the Occupational Outlook Handbook from the United States Bureau of Labor Statistics?
1. Knocking on doors
2. Letter
3. Telephone
4. B and C

 

5. From the readings and your personal experience, what do you think is the primary goal of bill collecting?
1. Give excellent customer service to customers with delinquent accounts.
2. Speak authoritatively to debtors about consumer debt matters.
3. Collect as much on each delinquent account in your care as you possibly can, while obeying company policies and applicable laws.
4. Monitor overdue accounts

 

6. According to the Occupational Outlook Handbook from the United States Bureau of Labor Statistics, “In house” collectors work for collection agencies.
1. True
2. False

 

7. Skip tracing means finding debtors who may have moved or don’t have a telephone number.
1. True
2. False

 

8. Debt collectors sometimes ask the reason why an account has not been paid.
1. True
2. False

 

9. Employment opportunities are expected to increase at least until the year 2010 in the collections field.
1. True
2. False

 

10. Which is more effective, collection calls or collection letters?
1. Collection letters
2. Collection calls

 

11. If there were no debt collectors, it is likely that the cost of goods in our country would go down.
1. True
2. False

 

12. What do the primary duties of a debt collector consist of?
1. Sending letters
2. Record keeping
3. Skip tracing
4. Calling people on the telephone

 

13. Most bill collectors work outdoors, knocking on debtor’s doors to inform them of their overdue debt and collect payment.
1. True
2. False

 

14. Debt collecting environments can be fun.
1. True
2. False

 

15. Many collectors like the camaraderie of the teamwork in debt collecting environments.
1. True
2. False

 

 

Please go to the conclusion page next.

 

Conclusion

 

For you seasoned professional collectors, this has been a quick refresher course. For the less experienced and new collectors, this lesson had been an overview of the collection environment and why your new job is important. We have outlined some of the rewards of bill collecting, and the goals of collections. We have also discussed the work that bill collectors actually perform on a daily basis.

 

This lesson was meant to be only a stepping-stone for the lessons that follow, and many of the items covered in this lesson will be covered in greater detail in the other lessons.

 

Please go on to the next lesson. If your company would schedule a break for you at this point, please enjoy your break before coming back.

 

Lesson 2: Limitations and constraints of bill collecting – company, FDCPA, ethics, legal.

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

Lesson Introduction

 

Please go to the lesson objectives page next.

Lesson Objectives

1. To become aware of the role of the company in aiding and limiting what the debt collector does by the company’s and management’s policies.
2. To become aware of the role of the client in collection agencies in constraining the activities of the collectors.

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 3: The beginning of a collection call

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

 

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 4 Elements of a Collection Call

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

1.     Make the call

2.     Ask for debtor

3.     Make certain you are talking to the debtor

4.     Identify yourself

5.     Identify your company

6.     Identify purpose of call

7.     Identify client if your company collecting for a third party

8.     Inform debtor of balance of account

9.     Give the Mini Miranda if you are collecting for a third party and you are not collecting business accounts.

10. Ask debtor for balance in full and/or ask about intentions

11. Listen to what the debtor has to say.

12. Ask the debtor questions that may help you collect the debt.

a.      Is your social security __________? (This prevents the debtor from later saying you never talked to them, or that they don’t owe the debt because you talked to the wrong person.

b.      What is your present address? Is your present address __________? (This helps prevent against later stall against the question of whether or not debtor has received initial demand letter.)

c.      Where do you work?

d.      How much are you earning there at Xyz Company?

e.      Do you have a 401k? To check for a potential source of funds. Many debtors can borrow against their 401k to pay or settle their debts.

f.        Do you own or rent your home?

g.      Is that a condominium or an apartment you live in?

h.      Do you own that business?

i.        What’s your job title?

j.        How much are you getting an hour there?

k.      Do you like your job? (The idea is just to get them talking about their job in a non-threatening way, then get the other real information, such as job title and salary.

l.        How much is your house worth?

m.    How much do you have left on the mortgage?

n.      Do you have a second mortgage?

o.      How much is your car payment?

p.      Do you have dependents, such as children?

q.      Do you have kids?

r.       Are you married?

s.       Does your spouse work?

t.         

13. Negotiate with debtor

14. Enter the outcome of the call, and any dispute, attorney, or bankruptcy information in appropriate computer data fields

15. If the debtor is deceased, ask for copy of death certificate

16. Go on to next call.

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 5: Basics of the FDCPA

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 6: The “talk off”

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 7: Drivers of Success in Collections

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 8: Common Objections

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

1. To learn which are the most common objections debtors state as reasons not to pay.
2. To gain understanding of the process of thinking when one
3.  

 

Please go to the required readings page next.

 

Required Readings

 

There are no required readings for this lesson.

 

Please go to lecture page next.

 

Lecture

 

The 73 major objections

 

 

1.                  Bankruptcy objection. This is more than an objection not pay, so maybe it shouldn’t be listed here as an objection. However, the effect of non-payment is similar to any objection or reason not to pay. In general, the proper course for the collector depends on whether the bankruptcy has already been filed or not. If the bankruptcy has been filed, the collector gets the attorney’s name and telephone number, and does not ask for payment. If the bankruptcy has not been filed, most experienced collectors will try to talk the consumer into paying or settling the account instead of bankruptcy but in a very nice way. Usually, one starts immediately offering a settlement in this situation.

2.                  Attorney objection. This is similar to the bankruptcy objection. If the debtor has an attorney, get the name and number of the attorney, and present a settlement offer

3.                  Out of work objection. This is a serious problem and one of the prime causes for bankruptcy in the United States. However, some of these debtors have assets that can be converted to cash, spouses that work, or friends or relatives who can loan them money.  Settlements can be useful motivators to these people since they have temporary cash flow problems due to drops in income.  Sometimes one has to remind the debtor that they still owe the money, even if they are out of work.

4.                  Divorce or marital problems objection. This is another major cause of bankruptcy in the United States, but divorce does not absolve a consumer from paying their just debts. Some times one has to remind the debtor of this. Find out if there is alimony payments or child support payments if the debtor is a female.

5.                  About to be out of work objection.  Frankly, this may be real or only imagined. In other words, an anxious person may be internally exaggerating their chances of being out of work.

6.                  Excessive medical bills objection. This is another major cause of bankruptcy. The collector wants to determine if there are assets and if the problem is temporary or permanent. When will the debtor go back to work? What other resources does the debtor have? What is their source of support during their illness?

7.                  On public assistance or welfare objection.  In most cases, people tell the truth about this, but occasionally, someone with a very good job will say this to slow down collection efforts.  If someone uses this as an objection, you might want to ask if the debtor was on public assistance when he or she incurred the debt. How long has the debtor been receiving public assistance? Is this their only source of income? Do they get renter’s assistance so that there is still money to make minimum monthly payments?

8.                  Deceased objection. Is there an estate? In many cases, the creditor will not pursue a deceased debtor’s estate, even when they have the right to do so. Sometimes the spouse will pay the debt for the deceased. In some cases, one can contact the probate court of the estate and file paperwork to be paid. Also, one may want to ask if there is an

9.                  Mental illness objection. Is the person hospitalized? Are they working? Is this a perceptual problem from someone with the means to pay? How are they living? What is their source of funds?

10.              Incarcerated objection. How long will they be incarcerated? Do they have assets? What kind of work do they normally do?

11.              The debtor moved objection. This is a tough one. Many debtors or family members claim the debtor moved so they can slow down or stop collection efforts by the collector.  Unfortunately, if it is true, the collector has no more reason to call that telephone number. Many collectors put this type of account on the back burner to be called again in a few weeks if they feel the information they got was false. Not surprisingly, many times the debtor answers the phone.  One should always consult company and management policy regarding this type of situation.

12.              The I don’t know the debtor objection. This type of situation is usually true, but in some cases, the debtor or a family member is trying to slow down collection efforts. Many good collectors take the person at their word in these situations to avoid complaints. Some key questions here are in order. How long have you had this phone? Why does this phone still show in this other person’s name (debtor’s name)?

13.              This is just a message phone objection.  If one thinks it’s true, leave the message and move on.  If one thinks it’s not true, one might schedule another call for a week or two in the future to see if one gets the same answer.

14.              The “I’m overextended” objection. Of course, the debtor is overextended. That is why the debt came to a collector’s desk.  Why is the debtor overextended is not nearly as important as how they can get funds to pay. The more times a person tells you why they can not pay, the more difficult it is to get them to pay. Try to steer the conversation into possible means of paying the account.

15.              On vacation objection.  A person who goes on vacation shows signs of having disposable income. People teetering on the edge can’t afford vacations. One should ask for balance in full.

16.              Not working today objection. In most cases, this is the truth and not an objection.

17.              Disability objection. Is it permanent or temporary? Is it short term or long term? Does the debtor get disability or workman’s compensation? What is the source of the disability or workman’s compensation? How much does the debtor get? While it may be less than the debtor is accustomed to receiving when working, it may be enough for the debtor to pay back their debts.

18.              Social security objection. Ask how much the debtor gets. Is this their only source of income? There can be quite a bit of difference between the upper amount of monthly social security checks and the lower amounts for other recipients. Is this regular social security or disability? Where do they live? Do they own their own home? If they have a long history of good bill payment, they may make payments. Also, see the public assistance objection for ideas.

19.              Pension objection. This one is almost identical to the social security objection, but one wants to ask if they get social security as well as a pension. Many people do.

20.              Workman’s compensation objection. This one is about identical to the disability objection. See that discussion.

21.              No sources of funds available objection. How is the debtor living? What sources of income and assets does the debtor have? The real issue though in all of these objections is that the debtor owes the debt. How is the debtor going to resolve it?

22.              Complaint about product or service objection.

23.              Dispute of total debt objection.

24.              Dispute of partial debt objection.

25.              My wife/husband/spouse/child/niece did it. Collect from them objection.

26.              I have many other bills to pay objection.

27.              I’d rather spend it on vacation objection.

28.              They don’t need the money so badly objection.

29.              They should feel sorry for me objection.

30.              I’ll pay it back some day, trust me objection.

31.              When I get paid, you’ll be the first one I’ll pay back objection.

32.              I expect a big check soon objection.

33.              I’m refinancing my house objection.

34.              I’m selling my home objection.

35.              I’m looking for a loan objection.

36.              Why don’t you loan me enough to pay this objection?

37.              You don’t care if my family eats or not objection.

38.              You’re harassing me objection.

39.              You’re a moneygrubber objection.

40.              Don’t call me at work objection.

41.              Don’t call me here objection.

42.              I’m just the baby sitter objection.

43.              I’m the house sitter objection.

44.              I’m just a neighbor. What do you want objection?

45.              You can’t get blood out of a turnip objection.

46.              My mom will pay it next year objection.

47.              My dad is away objection.

48.              Anger at the original creditor for some real or imagined problems objection.

49.              The “part of this balance is incorrect, so I am not going to pay any of this” objection.  Ask questions. How much do you dispute of this? Why don’t you pay the part you owe while you are investigating the other part?

50.              I never got your bill objection. Do you still live at (here say the address the bill was sent to)? We sent one bill to the last known address provided by our client.

51.              Your computer is messed up. I don’t owe this objection.

52.              I have other bills to pay objection.

53.              I can’t pay anything now objection.

54.              Sue me. Do whatever you have to do objection.

55.              I’m on a fixed income. I only get x number of dollars a month to live on objection.

56.              The check is in the mail objection.

57.              I can send as much or little as I want, you have to accept it, and you can’t sue me if I’m paying something on this objection.

58.              My spouse handles all the bills objection.

59.              We can pay you when our customers pay us objection objection.

60.              My insurance will cover this objection.

61.              You better stop calling me or I’ll sue you objection.

62.              The can’t you call at a more convenient time objection.

63.              I’m on a long distance call objection.

64.              Sorry, no English objection.  Sometimes this is real, sometimes not. Does

65.              I’m divorced and the judge says my ex is responsible objection.

66.              Can I have an extension on this objection?

67.              Defective product dodge objection.

68.              I’ll send something soon objection.

69.              I’m not paying. Sue me, or do whatever you have to do objection.

70.              I can’t pay it all now objection.

71.              I can only afford tiny payments per month. Like $10 a month on this $20,000 account.

 

 

Please continue on to the assessments page next.

 

Optional Readings

There are no optional readings for this lesson.

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 9: Debate

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 10: Motivating and persuading debtors to pay

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 11: Asking questions

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 12: The five C’s of credit

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 13: Reading Credit Reports

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 14: Skip Tracing

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 15: Collection Skills

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 16: Negotiating

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 17: Record Keeping

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 18: The art of saying nothing, but saying it well - Rhetoric

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 19: Classifying Debtors

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.

 

Lesson 20: Classifications of Accounts

Assignments

Please complete the assignments in the following order. This order has been used to enhance your learning of the material while giving you the maximum opportunity to do so within your company’s prescribed time limits. The total time allotted to this lesson is one hour and forty-five minutes.

1. Start with the introduction first.
2. Read the lesson objectives, and reflect a few moments on what interests you about those objectives. What do you already know about the subject matter involved? What kind of experiences have you had that can aid you in understanding the subject matter?
3. Read the required readings.
4. Go to the lecture next.
5. Do the assessments
6. Read any optional readings if you have time and want to.
7. Finish up the lesson with the conclusion
8. After you read the conclusion, go on to the next lesson. If your company has scheduled a break for you now, go ahead and enjoy your break.

 

Lesson Introduction

 

Please go to the lesson objectives page next.

 

Lesson Objectives

 

Please go to the required readings page next.

 

Required Readings

 

Please go to lecture page next.

 

Lecture

 

Please continue on to the assessments page next.

 

Optional Readings

 

Assessments

 

Please go to the conclusion page next.

 

Conclusion

Please continue to the next lesson. If your company has a break scheduled for you now, go ahead and enjoy your break.