Debt Relief Rebuttals

Disclaimer:
The information and materials provided by Loop Marketers are intended for general informational purposes only and do not constitute legal advice. All recommendations should be reviewed and approved by your legal counsel or compliance team to ensure they meet the specific regulatory requirements applicable to your organization. Loop Marketers assumes no responsibility for any actions taken based on the information provided.

Debt Settlement Scripts


Consolidation/Loan Hardship Inbounds Opening – Build Rapport & Create Hope

Hi, this is [Agent Name] with the Financial Hardship Assistance — thanks for reaching out. Are you calling today to explore your options through one of our loan hardship relief programs?

Awesome. Let’s take a few minutes to walk through what’s going on and see how we might be able to help.

To start, what’s your main goal right now — are you looking to get some monthly relief, pay things off faster, or just stop falling behind?

Got it. The good news is, we have some flexible options that may really help. I’ll just ask a few quick questions to understand your situation better — sound good?

Facebook Inbounds Opening – Build Rapport & Create Hope

Hi, this is [Agent Name] with Emergency Debt Relief Assistance — thanks for reaching out. Are you calling today to explore your options for getting out of debt?

Awesome. Let’s take a few minutes to walk through what’s going on and see how we might be able to help.

To start, what’s your main goal right now — are you looking to get some monthly relief, pay things off faster, or just stop falling behind?

Got it. The good news is, we have some flexible options that may really help. I’ll just ask a few quick questions to understand your situation better — sound good?


2. Discovery – Connect Through Conversation

  • About how much unsecured debt are you dealing with right now? (credit cards, personal loans, etc.)

  • Are you keeping up with payments, or have you fallen behind?

  • What would you estimate your total monthly debt payments are?

  • Are you currently working, on a fixed income, or somewhere in between?

Thanks for being open — I know these conversations aren’t always easy. You’re not alone in this. We talk to people every day facing the same kind of stress.

Just a couple more quick ones:

  • After bills, do you typically have at least $300 left over each month?

  • Do you have a checking or savings account in your name?

With your permission, I’d like to run a quick soft credit check — it won’t affect your score at all. Is that okay?


3. Credit Pull – Keep the Vibe Casual

Great. I’ll need your full name, date of birth, and the last 4 of your Social.
You’ll get a 6-digit code by text — let me know when it comes through.
While you check that, I’ll start pulling your info. No rush.

Perfect. Got the code — thank you. Let’s take a look at what we’re working with.


4. The Letdown – Ease the Blow, Show Empathy

Alright — here’s what I’m seeing:
Some balances are pretty high, and a few accounts are already in collections. That makes traditional loan approval tough right now.

But listen — this isn’t your fault. The system’s stacked against people carrying heavy debt loads. I’d rather help you fix it than have you keep applying and getting declined — that only makes things worse.


5. The Light – Offer a Better Path

Here’s the good news: based on what I’m seeing, you qualify for a debt reduction program that can lower what you owe by up to 40–60% — and we stop the interest from piling up.

Most people who go through this program start seeing financial breathing room quickly, and many are back in good standing with lenders within a year or so.

Let’s focus on wiping out this debt — not digging the hole deeper.


6. Present the Program – Clear and Confident

Here’s what you’re eligible for:

  • One simple monthly payment that fits your budget

  • We negotiate your balances down with each creditor

  • No upfront fees — you don’t pay until we settle

  • Your funds go into a secure escrow account that only you can authorize

  • Creditors are notified within 48 hours — most collection calls slow down after that

  • Many clients see settlements within 60–90 days and credit rebounds around month six

Now, your score might dip a bit early on — especially if it’s already in the 500s or 600s — but it typically recovers stronger once the debt is cleared.


7. Reassure with Real Talk

I know it’s hard to trust anyone with your finances — especially if you’ve tried other options before. That’s why we keep things transparent.

You’ll get access to your own portal with real-time updates, and you’ll always have my direct line if you have questions.

We’ll never settle a debt without your go-ahead — you stay in control at every step.


8. Common Concerns & Easy Rebuttals

“Will this ruin my credit?”
Your credit might dip early on, but it’s already under pressure from high debt. Settling debt is the first step to recovery.

“Is this a government program?”
Nope — this isn’t a government handout. We work directly with your creditors to negotiate lower payoffs and create a real solution.

“Do I have to pay it all back?”
You’ll still make monthly payments — just like you are now — but the difference is, you’ll likely pay significantly less each month, which puts money back in your pocket. Even better, through negotiation, you may end up paying back less than what you currently owe overall. That’s the power of a well-structured debt relief plan.

“What if I get sued?”
Lawsuits are rare, especially when a settlement is in progress — most creditors would rather get paid.

“Can’t I just do this myself?”
You could try — but we have trained negotiators who do this every day and can usually get better results.

“What about the fees?”
Fees are success-based — you only pay when we save you money. And most clients still pay less overall.

“Will this stop the calls?”
Once creditors see you’re in a program, calls usually taper off. We can also coach you on how to handle them.

“Doesn’t this take too long?”
It’s not instant — but it’s usually way faster than paying minimums for years. Most clients finish in 24–48 months.

“Is this better than bankruptcy?”
For many, yes — no court, no 10-year credit hit, and no need to give up assets.


9. Closing – Simple, Warm, No Pressure

I’ll send over your documents by text and email. They’re short and secure — I’ll walk you through them if you like.

Your first draft payment won’t hit for about 30 days, so you’ll have time to plan.

And if something comes up, just give us 5 days’ notice to adjust — no penalties.

You’ve made a smart move today. Let’s finally get this weight off your shoulders.
Before I connect you to compliance, any questions?Fa

1. Concern: “Debt relief will ruin my credit score.”

Rebuttal:
Yes, your credit score may drop initially—especially if you’re behind on payments. But if you’re already struggling with debt, your score might already be impacted. A Debt relief program gives you a path forward to resolve your balances for less than what you owe, and many clients see their credit begin to recover once debts are resolved and balances are cleared.

 


 

2. Concern: “I heard debt relief is a scam or sounds too good to be true.”

Rebuttal:
That’s a valid concern—there are bad actors out there. That’s why it’s critical to work with a reputable, accredited company with clear disclosures, a strong track record, and client reviews. Make sure the company is transparent about fees, timelines, and expectations. Done right, it’s been a legitimate strategy for thousands of people in financial distress.

 


3. Concern: “Are you a government program or grant?”

Rebuttal:
This is sometimes confused with government forgiveness programs, such as student loan relief—but it’s important to understand that this is not a government program or grant.

Debt relief is a private financial service provided by experienced companies that work directly with major banks and creditors to reduce what you owe—often saving you thousands of dollars and in some cases, you will only pay back about half of what you owe. Unlike government assistance or grants, this is a structured program focused on negotiation and repayment, typically at a significantly reduced amount compared to your original balance.

 

 

 

4. Concern: “Do I have to pay it back?”

Rebuttal:
Yes and no. You’re still responsible for paying back a portion of your debt—but not the full amount. Our goal is to drastically reduce your monthly payments while we negotiate with your creditors so you can settle for less than what you owe—often even less than half. Settlements can be paid as a lump sum or through structured payments, depending on what works best for you and the creditor.

Once a debt is settled and paid, that account is considered fully resolved, and you won’t owe anything further on it. While it’s not forgiven like a government grant, this process can significantly reduce your total obligation and save you thousands of dollars.

 


5. Concern: “I’ll be sued by my creditors.”

Rebuttal:
Lawsuits can happen, but they’re not as common as many people fear—especially when you have experienced negotiators working on your behalf. Most creditors would rather settle than go through the legal process. If a lawsuit does occur, a good debt relief company can help guide your response and may even negotiate that account quickly to avoid further action.

 


 

6. Concern: “Why wouldn’t I just do this myself?”

Rebuttal:
You can try, but most people don’t have the time, leverage, or experience to negotiate effectively with creditors. A relief company has dedicated negotiators who understand how to get the best possible deals, track timelines, and handle all the back-and-forth—saving you stress and potentially more money in the long run.

 

 

 

7. Concern: “I’m worried about the fees.”

Rebuttal:
Debt relief fees are typically performance-based, meaning you only pay when a debt is successfully settled. Also, even after fees, most clients still end up paying significantly less than the total amount they originally owed. Make sure you understand the fee structure upfront—reputable companies are always transparent about costs.

 


8. Concern: “Will this stop collection calls and harassment?”

Rebuttal:
Debt relief doesn’t immediately stop calls, but once creditors see you’re working with a relief company and beginning to settle accounts, those calls typically slow down. Some companies can also coach you on how to handle or redirect those calls.

 


9. Concern: “It takes too long.”

Rebuttal:
Debt relief is not a quick fix—but it’s often much faster than trying to pay minimums for years with compounding interest. Most programs aim to resolve all enrolled debt within 24 to 48 months, and you’ll see progress as each account is settled, not just at the end.

 


10. Concern: “Is this better than bankruptcy?”

Rebuttal:
It depends on your specific situation. Bankruptcy has more long-term credit and legal consequences and can stay on your credit report for up to 10 years. Relief can be a less damaging alternative that avoids court and helps resolve debt for less, without completely shutting you out of future borrowing opportunities.

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