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When speaking with a debtor, many debt collectors (especially those who are inexperienced) will utilize a script that contains a pre-written introduction, request for payment, and has various branches to follow, depending on how the debtor responds. If a particular debtor is taking up too much time, without making arrangements to pay, the collector will be inclined to move on to other accounts. Any information that the debtor gives about his/her financial situation (e.g. income or current employment, etc.) will be noted on the file’s record and used to estimate the probability of a recovery, the advantage of legal action, and so forth.