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Debt Management Sales Script

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Keep in mind, if anyone is in a part 9 Debt Agreement/Bankrupt or if the debt is younger than 1 year we cannot help.

Don’t Forget, you can always recommend someone to a Financial Counselor. If they are in extreme financial and emotional distress, this will be a better option for them.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text=”QUESTIONS TO ASK” google_fonts=”font_family:Cabin%3Aregular%2Citalic%2C500%2C500italic%2C600%2C600italic%2C700%2C700italic|font_style:400%20regular%3A400%3Anormal”][vc_column_text]

♢ Who is the Credit Provider?

♢ How much is the debt?

♢ How old is the debt? (Approximate age is fine)

♢ What type of debt is it? (Personal loan, Credit Card, Business Loan etc)

♢ How did they get the loan? (at branch or online?)

♢ What were/are your repayments? How frequent were the repayments
This will allow us to tailor our service fees payment plan to be more affordable for their current financial situation

♢ Is the debt overdue? If so, by how much?

♢ What’s the legal status? Is it in court?

♢ Is it with a Debt Collector?

♢ Are you a co-borrower? Or is it just you on the debt?

♢ Are there assets associated with this debt (ie business equipment, a car) that the individual is hoping to keep?

♢ Does the individual own any property? If so, what is the address?

♢ Do they have a recent copy of their Credit File? If not, do they need information on how to order a copy?

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Before we can send someone a quote we need the following;

  1. The names of the Credit Providers,

  1. the amount of debt and the reason (ie personal loan, credit card, business loan),

  1. the age of the debt,

  1. the repayments that are made per debt and how frequently (ie monthly, fortnightly, weekly),

  1. how overdue they are on those payments

  1. if there is ongoing legal action

if their credit file has been marked (if they’re unsure, just tell them they’ll need to get their credit file and check) and if they are in need of credit repair

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What we do is we lodge a dispute with these Credit Providers on your behalf, suspending collection activity.

This does four big things.

  1. First thing is, while the matter is in dispute, these Credit Providers should not contact you in regards to collecting on the debt. Any calls, texts, letters and emails from the Credit Provider must go through us. They may still contact you as we’re starting the process, but, if they do you just need to  let us know and we will get them back in line.

  1. Secondly, they should not mark your credit file. Recording Defaults or Repayment History Information is under the umbrella of collection activity, and should not be recorded on your file while the matter is in dispute.

  1. Third thing, because the matter is in dispute, you can choose to stop repayments.

  1. Finally, because the matter is in dispute, interest should not be added to the debt.

During the dispute process we’re trying to obtain specific documentation from the Credit Provider. Once we get these documents we test them for Responsible Lending breaches. We then use these breaches at the end to form the foundation of our argument when we negotiate your debt settlement.

This whole process takes about 6-12 months, but it can be a bit longer depending on the attitude of the Credit Providers, but during this time you get to take a breather.

It is quite slow in the beginning as we’re just going back and forth with the Credit Providers trying to get these documents, but, once we get them, we can start moving things along much faster.

Once we reach the end of the process, we negotiate the settlement offer for you and release you into the care of the Credit Provider; so you will go back to making direct payments to them on more agreeable terms. We do this so you know we’re not taking any money off of the top.

During this settlement negotiation process we make sure to keep you in the loop of all offers we get – good or bad – so you have full power over what offer is accepted. We’ll always give you our advice on the offer, but, in the end you get full say in what we pull the trigger on.

Once we have finished, with a copy of the settlement agreement in hand, you will pay off whatever the agreed upon amount is directly to the Credit Provider. We do this to ensure that you’re getting the best possible deal and you know we’re not taking anything off of the top.

If the Credit Provider ever breaks the agreement we negotiate for you, you can come back to us and we’ll help you free of charge.

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  1. We work under the assumption that you are telling us the truth, and the Credit Provider is misinformed. Because of this, whatever you say we will trust you. However, if you actively provide misinformation this means that we are not responsible for the outcome you receive as a result.

    If you’re ever unsure or uncertain of something, all you need to do is let us know. We prefer no information over misinformation.

  1. Whatever you pay us will be saved, two-fold. (We save 200% of what you spend with us, or 100% of your money back). If we cannot save you, at minimum, double of what you spend then you will get a full refund of what you spent.

  1. During the beginning of the process in particular, there is a chance that Credit Providers may attempt to contact you or – in some rarer circumstances – mark your Credit File. If this does happen, you need to let us know right away.

    It’s important to keep in mind that, while the matter is in dispute, Collection Activity must be suspended and they must speak directly to your authorised representative (us). Contacting you in regards to collection or marking your file while the matter is in dispute is a breach of ACCC Debt Collections guidelines.

    Because of that, we NEED to know. Not just so we can record the breach, but also so we can contact the Credit Provider to follow up on their conduct and get them talking to us and out of your life.

We’re not liable if YOU break the agreement with a Credit Provider. If we negotiate you a settlement and a Credit Provider breaks the agreement, it is our duty to you to help you renegotiate and get them back on track. If you however choose to break the agreement, CreditReboot will not be able to help you free of charge.

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