Asking questions with precision and making the transition to the payment arrangement is critical when making collection calls. You are calling to collect your money, never forget this. All your questions should be clear and to the point with silence after each question.
Example:
Customer: I can't pay, I don't have any money.
Collector: Are you working?
Customer: Yes, but I just started a job and don't get paid for two weeks.
Collector: What day will you get paid?
Customer: Friday.
Collector: Great, then you can mail a money order for $25 on Saturday.
This example can go in so many different directions depending on the customers responses. It is your job to be positive and to get them to agree to make a payment. Once you reiterate what is going to happen, send them a confirmation letter with a payment envelope. Then call them on Friday to remind them to mail that payment on Saturday.
It is alot like babysitting and most people get really tired of this quickly so hopefully they will pay without you having to contact them each week.
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