Skills and words of debt collection

The skills and words of dunning are as follows:

First, if you collect debts.

1. The customer said there was not enough money this month. Next month.

Testimony: Mr./Ms. X, you are in serious breach of contract now. If you continue to postpone repayment until next month, the overdue fine will only increase, which will have a very serious impact on your personal credit information, including your future house purchase, loan, children's education and career prospects. I suggest you handle the repayment as soon as possible.

The client said that he hasn't found a job and has no income.

Speech: Mr./Ms. X, we can't wait until you find a job and get paid. Late payment will only lead to the accumulation of late fees and bad credit records. I hope you understand that. I suggest that you raise money from friends and relatives first, make repayment and pay it back later.

The client said that you should stop pushing, and I will try my best to turn around.

Speech: Please make good use of the time given by our company, otherwise, you will be at a disadvantage in the process of personal credit or the company's subsequent collection for you. This matter has reached the point where it can't be delayed any longer. No matter what you think, you must return the money to me within a week. We can't give you any more time, so please hurry these days.

4. The customer said that he would pay back if he had money, but now he has no money.

Speech: Mr./Ms. X, you can't wait until you have money to pay back. If you are sincere in repaying some funds first, I will apply for a few days' grace for this. You must borrow money from relatives and friends through other channels and deal with the repayment as soon as possible.

Second, the skills of debt collection

1, the collection work is reasonable and legal, and the work of the collector should be neither humble nor humble.

If the debtor has a bad attitude, its purpose is to scare the collection staff into making fewer or afraid to make phone calls. When you meet this kind of person, you can adopt the principle of three stops and remind the other person to pay attention to the way of speaking for the first time; Inform the other party for the second time that both parties have equal status; The third time will be a serious warning that "for borrowers with lower quality, other ways will be taken to collect loans".

2. Collectors should master the skills of "seeing, listening and asking".

Look: Look at each other's differences in occupation, age, identity and region, and classify them accordingly. Smell: Know each other, distinguish between true and false, and catch the loopholes between each other's words. Q: Peer-to-peer understanding and detailed discussion of doubts are intended to break the lies and make customers feel wronged. Find problems, change the pace of negotiations and determine solutions.

3. Grasp the degree.

Collection is the most taboo, so it is very important to master the "degree" and leave room for communication for future collection work.

4. Know how to exert reasonable pressure.

The key to exerting pressure is to hit the debtor's weaknesses and key points to exert pressure. The more advanced the information collected, the more important it is to identify customers' weaknesses for key attacks. Common pressure, on the one hand, is external pressure, that is, through the people and environment around the debtor, on the other hand, is internal pressure, which makes the debtor understand that non-repayment will lead to serious consequences.

5, know a little psychological tactics.

Restore the debtor's psychology and find out the real reason and psychological motivation of the debtor's non-repayment.