Call scripts
The calls nobody wants to make, with the words ready. Each script covers who to call, what to have in front of you, what to say, and the traps to avoid. The word "hospitalized" opens more doors than you'd expect — use it.
Bank: get recognized on the account
Register a power of attorney or ask what the bank needs from you
Call scriptCredit card: make a payment by phone
Pay the bill when you can't access their online account
Call scriptHardship program: reduce or pause payments
Credit cards, personal loans, and medical bills often have one — but only if you ask
Call scriptUtilities: prevent shutoff
Medical and hardship protections for electric, gas, and water
Call scriptInsurance: stop a policy from lapsing
Health, homeowners, auto, and especially life and long-term-care policies
Call scriptHospital billing: slow down and ask for help
Never pay a big medical bill on the first phone call
Call scriptMortgage servicer: hardship options
Forbearance and payment plans for the biggest bill of all
Call scriptSocial Security: managing benefits
POA is not enough for Social Security — they have their own system
Call scriptCare facility: the first conversation
What to ask a skilled nursing / rehab / assisted-living facility before saying yes
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