Phone Script for When SRS and Associates, Inc.*

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Your blood pressure immediately rises when you hear the following sentences: “Hello, I am calling for SRS and Associates, Inc. in regards to an outstanding personal loan balance. When do you plan to take care of this debt?”

It is bad enough you received a phone call from SRS and Associates, Inc. Fear and anxiety rule the day, which can lead to some poor decisions. You might disclose too much information to a debt collection agency or lose your cool when pushed to answer questions.

The best way to ease your mind after receiving a phone call from a third party debt collector involves reaching out to a licensed consumer protection lawyer.

A consumer protection lawyer knows about every provision written into the landmark federal law called the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collection agencies from making threats or using abusive language in attempts to collect outstanding debts.

Bill collectors cannot use deception to coerce consumers into taking care of credit account and personal loan balances. Moreover, the FDCPA spells out legal guidelines for debt collection agencies to follow during phone calls with consumers.

Say the Right Things to SRS and Associates, Inc.

Right from the start, your FDCPA lawyer will explain you do not have to say anything to a representative from SRS and Associates, Inc. In fact, your lawyer can draft a certified cease and desist letter requesting a third party debt collector refrain from contacting you.

If you decide to engage a debt collection agency, your lawyer will coach you on what to say, as well as when to say it during a phone conversation. Representatives from debt collection agencies read from polished scripts that follow a logical sequence of questions.

Seasoned third party debt collector representatives also go through comprehensive training programs. You need to work with an accomplished consumer protection lawyer to have a chance against an experienced and well-trained representative from SRS and Associates, Inc.

Phone Script for When SRS and Associates, Inc.*

How to Handle a Phone Call from a Bill Collector

The start of a phone conversation with a debt collection agency is the most important part of the entire phone call. Refer to the following exchange to get your phone call off to a good start with SRS and Associates, Inc.

  • Debt Collection Agency: “Hello, I am So and So representing SRSD and Associates, Inc. I am calling about an outstanding debt you owe on a credit card issued to you by credit card. When do you plan to settle the balance?”
  • You: “Please wait one moment while I get a device to record this conversation.”

By taping a phone conversation with a debt collection agency, you ensure the representative tows the legal line by asking questions that conform to FDCPA guidelines. You also need to know about the information you do not have to divulge.

Here are some questions you do not have to answer:

  • “What is your net monthly income?”
  • “How much does your spouse earn?”
  • “Where do you bank?”
  • “Do you own a home or rent an apartment?”
  • “How much do you owe on a car?”

Speak with a licensed FDCPA lawyer today to receive the coaching you need, before talking with a representative from SRS and Associates, Inc. over the phone.

Additional Resources

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against SRS and Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.