THE CALL — before you pick up the phone

  Who / what:  ______________________   owes  $__________   (___ days past due)

  My opening line (say it straight — no apology):
    "____________________________________________________________"

  If they push back or go quiet, my one move:
    "What date works to get this closed?"

  On the calendar:  ______day,  ______ (exact time).   Number in front of me.  Dial.