This is a two-volume digital download that gives you the exact words to say — word for word — every time a debt collector calls. No freezing. No fumbling. No accidentally saying something that makes your situation worse.

Because here is what most people do not know:
One wrong sentence on a debt collection call can restart the statute of limitations on a debt that was too old to collect. One small "good faith" payment can revive a debt that was legally unenforceable. One missed court summons can result in an automatic judgment against you — giving a collector the right to garnish your wages without another hearing.

These scripts protect you from all of it.
 
WHAT IS INCLUDED IN THIS BUNDLE:
Volume 1 — First Contact Scripts
Six complete, word-for-word phone scripts for the most common first-contact situations:
Receiving the very first call without admitting the debt
A debt you do not recognize
A debt that belongs to someone else
A deceased family member's debt
When you are already represented by an attorney
Cell phone calls placed without your permission
 
Volume 2 — Rights Protection Scripts
Nine scripts for when collectors cross legal lines:
Requesting debt validation over the phone
Telling a collector to stop calling you
Stopping calls to your workplace or family members
Responding to threats and abusive language
Calls placed outside of legal hours
Lawsuit threats and wage garnishment threats

EVERY SCRIPT INCLUDES:
✦ Your legal rights explained in plain English — no jargon
✦ Full back-and-forth dialogue including the collector's likely responses
✦ Pushback responses for when they don't take no for an answer
✦ Numbered action steps for after every call
✦ A Quick Reference Card built to screenshot and keep by your phone
 
PLUS — 29 ATTORNEY-LEVEL ADVISEMENTS:
Before a single script, both volumes walk you through the things most consumers never find out until it is too late — including the 7/7/7 call frequency rule, the Mini-Miranda disclosure requirement, how to verify whether a lawsuit threat is real, the legal limits on wage garnishment, call recording laws by state, and how FDCPA violations can actually work in your favor.
These advisements alone are worth the download.
 
THIS BUNDLE IS FOR YOU IF:
✦ A debt collector has called and you had no idea what to say
✦ You have been threatened with a lawsuit, arrest, or wage garnishment
✦ You want to know your rights and use them in real time
✦ You are tired of being pressured into payments you are not sure you legally owe
✦ You want the exact words that put you back in control of every conversation
 
IMPORTANT — PLEASE READ:
This bundle is for informational and educational purposes only. It is not legal advice and does not create an attorney-client relationship. If you are facing active legal action, please consult a licensed consumer rights attorney in your state. Many FDCPA attorneys take cases on contingency — meaning they cost you nothing unless you win.

These scripts will not replace your attorney. They will make sure you never give a debt collector more power than the law allows.
 
INSTANT DOWNLOAD DETAILS:
✦ Format: PDF
✦ Delivery: Instant download after purchase — no waiting, no shipping
✦ Compatibility: Works with Word, Google Docs, and most PDF readers
✦ Volume 1: 6 scripts · 16 advisements · Quick Reference Card
✦ Volume 2: 9 scripts · 13 advisements · Quick Reference Card

Know your rights. Use your words. Protect yourself from the very first call.

LNC Consulting & Associates, LLC