Debt Negotiation Phone Scripts

Act as a consumer debt negotiation expert. Generate word-for-word phone scripts I can use to call my creditors.

My situation:
- Creditor: [CREDIT_CARD_COMPANY / MEDICAL / COLLECTIONS]
- Current balance: $[AMOUNT]
- Current interest rate: [X]%
- Payment history: [GOOD / MISSED_1-2 / BEHIND_3+_MONTHS]
- How long I've been a customer: [X] years

Generate these scripts:

**Script 1: Interest Rate Reduction Call**
- Opening line, what department to ask for
- Exact phrases that work ("I've received offers from competitors at X%...")
- How to handle "no" — escalation script
- Closing to lock in the new rate

**Script 2: Late Fee Waiver Request**
- Best time to call
- Key phrases for first-time vs repeat requests

**Script 3: Hardship Program Request**
- When to use this (job loss, medical emergency)
- What to say and what NOT to say
- What programs to ask for by name

**Script 4: Debt Settlement Negotiation** (if behind on payments)
- Opening position and target settlement percentage
- Counter-offer strategy
- How to get the agreement in writing before paying

Include: what to say, what NOT to say, and red flags to watch for.