Here's Why You Need to Answer That Collection Call

​I just heard you groan reading that title.  Collection calls are a part of my job.  Here's what some people don't seem to understand.  When I call you, it's our chance to work in partnership to create a contingency plan for your payments.  It is truly a courtesy call to help you get ahead of a potential problem.  You will be treated with respect and we will have a collaborative convo.  Avoid my calls or refuse to  return my calls and the red flag goes up.  When you avoid me, you give me no choice but to speculate on your intent and that speculation will not lean in your favor.  

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The problem you're avoiding will only blow up in your face later by adding on additional fees, interest, suspensions, annual charges and in some cases jail time.  Parts of your life will be tied up in tangled web of red tape.  Proactively address problems, don't pretend they aren't happening.  Proactive trumps reactive.  Every.  Single. Time.
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1) Take my call or RETURN my call promptly.  
2) Be willing to have an honest conversation with me about your finances.
​3) Do not make promises you can't keep, it will only exacerbate the situation.
4) Be sure you live up to your promises/commitments once we've come to an agreement.

Do these things and you will find I'm your biggest ally.  I will use every resource I have available to come up with a payment contingency plan that works for you and the business.  We all run into financial hardships and when I call you it's not to rub it in, heckle you or treat you with disrespect.  I'm no monkey on your back, I'm a life line.  I'm calling with the hope we can talk through options to bring relief and prevent you from spiraling too far behind.  We'll both be better for working together.  So when you see my business calling you, do us all a favor and grab that life line I'm throwing you.