From a former debt collector

Your lender is calling. Here's what to say.

Short videos and fill-in cards that walk you through the call, from "hello" to a plan in writing. Watch tonight. Call tomorrow.

Get the Playbook: $279 short videos + 5 fill-in cards · on your phone

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Missed calls

Auto Loan Servicing

today

▶

Voicemail · 0:42

"Please return our call regarding…"

9:14 AM

Payment past due

Your account is 18 days past due.

Mon

✉

Late notice

Still on the counter. Not opened.

last week

Sound familiar?

Everyone says "call your lender." Nobody tells you what to say.

So the phone rings and you let it go. The letters pile up. You're scared you'll say yes to a payment you can't keep, or say something that makes it worse.

That's normal. And it's fixable. The people who get options are usually the ones who pick up, stay calm, and ask for the right thing.

Jeff, former debt collector

Who's teaching this

I used to make those calls.

I'm Jeff. Years ago I was a licensed debt collector. I sat on the other side of the phone, all day, every day.

Most lenders don't want your car. Taking it costs them money: the tow, the storage, the auction. What they want is a plan you'll actually keep.

The people I could help were the ones who called me, stayed calm, and told me the truth.

This course is what I wish those callers knew. The exact words. What to ask for. What to say when the answer is no.

Some course videos use an AI version of Jeff, made from his real face and voice. They're labeled.

A taste of what's inside

Small words change big calls.

Here are three swaps from the Say This, Not That card. There are more in the course.

Not that"I'll try to pay something."

→

Say this"I will pay $150 on the 12th."

Not that"Can you give me a deferral?"

→

Say this"What options do you have to help me catch up?"

Not that"Fine, I'll pay it." (when you can't)

→

Say this"I want to keep my word, so I can't agree to that."

What's inside

9 short videos. About 20 minutes. One idea each.

Every video ends by telling you which card to grab. Watch them in order, or jump to the one you need tonight.

1–2 minBreathe: you have timeWhat usually happens when you're late, and the 3 things to grab first.

2–3 minKnow your numbersThe payment you can really keep. Get your references ready.

2–3 minWhat to ask forThe 4 common asks, plus the question most people never ask.

2 minHow to open the callThe first 20 seconds that make a collector want to help.

2–3 minSay this, not thatWord swaps that change the whole call.

2–3 minWhen they say no4 calm moves to keep the talk going.

1–2 minGet it in writingLock in the deal so nobody forgets it.

2–3 minIf the car's already goneThe questions to ask today, and where free help is.

1 minTell us how it wentHelp the next person.

Plus 5 fill-in cards

Keep them in front of you on the call.

Print them, or save them on your phone. Big print. Lots of room to write.

The My Numbers card: money in, bills, what you can pay, your ask, your references — My NumbersYour real payment and your ask

The Call Script card: opening, what happened, the ask — The Call ScriptWhat to say, start to finish

The Say This, Not That card — Say This, Not ThatEvery swap on one page

The Call Log card — Call LogNames, dates, reference numbers

Is this for you?

Yes, if…

You're behind on a car payment, or about to be.
You want to talk to your lender but don't know what to say.
You'd rather watch a short video than read a long guide.
You're ready to make the call yourself.

No, if…

You want someone to call or negotiate for you. We don't do that.
You want a promise your car won't be taken. Nobody honest can promise that.
You want to hide the car or dodge the lender. It can make things worse, and in some states it's a crime.
You need legal advice. Talk to legal aid or a lawyer. We show you where to find free help.

Get the Playbook tonight.

The Playbook

^$27

one payment · instant access

9 short videos you can watch on your phone
5 fill-in cards to print or save
Email questions answered in 2–3 business days

Get the Playbook: $27

Playbook + Letters & Scripts

^$39

everything in the Playbook, plus:

Fill-in hardship letter
Copy-and-paste emails: move a payment, new due date, confirm your plan
"If they say no" comebacks + hardship-team script
Full after-repo question list
Bonus: Pay early, pay less. On simple-interest loans, paying a few days early can mean more of your money goes to what you owe.

Get both: $39

14DAY
REFUND

Watch it. Use the scripts. Then decide.

If you don't feel more ready to call your lender within 14 days, email us and we'll refund every penny. No questions asked. (This is about the course, not a promise about what your lender will do.)

Free · 90 seconds

What to say when the lender calls.

The first few lines to say when the phone rings, and the one thing not to do. Plus a mini call card you can keep by the phone.

No spam. A few short tips over the next week. Unsubscribe anytime. Privacy policy.

Questions

Will this stop my car from being repossessed?

We can't promise that, and you should be careful of anyone who does. The FTC warns people about companies that charge to "stop a repo." This course teaches you what to say and what to ask for, so you can work with your lender yourself. What your lender does is up to them.

Do you call my lender for me?

No. You make the call and you pay your lender directly. We never contact, negotiate with, or pay your lender, and we never hold your money.

Is this legal advice?

No. It's education from a former collector about how these calls usually go. Rules are different in every state and with every lender. For legal advice, talk to legal aid or a lawyer. We list free places to start.

My car was already taken. Will this help?

Video 8 and the "If the Car Is Gone" card cover the questions to ask right away, and where to find free help. Time matters, so call your lender today.

How do I get the course?

Right after you pay, you go straight to your course page with all the videos and cards. Bookmark it. Your Stripe receipt is emailed to you too.

What will I see on my bank statement?

A charge from NEXT STEP SALES. Save Your Car Now is a course by Next Step Sales Solutions LLC.

How do refunds work?

Email us within 14 days of buying and we'll refund you. No questions asked.

Is the person in the videos real?

Jeff is real. Some course videos use an AI version of Jeff, made from his own face and voice, and they're labeled. Example phone calls use AI voices and are labeled too. All lenders and people in the examples are made up.

Still have a question? Email info@nextstepsalessolutions.com. We reply in 2–3 business days.

Get the Playbook: $2714-day
refund