Phone Scripts If you become nervous and freeze up when speaking with creditors and debt collectors about delinquent accounts, you’ll find these scripts handy. They walk you through what to say, and how to say it.If you find it difficult to ask creditors or debt collectors to accept a payment plan or a payment lower than what they are demanding, use the free sample scripts listed below (or draft your own using these as a template). These are especially helpful when you need to discuss delinquent accounts or negotiate lower payments.You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter, simply submit the FREE Request Form and I’ll send you a copy absolutely FREE! Responding to Debt Collection Calls Complaining about Poor Products & Services Negotiating Lower Payments With Your Creditor Rather than spend time copying or requesting individual letters, I offerall letters in one convenient package.