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If you want to collect more money just shut up and listen. Many accounts receivable professionals and people who collect money from delinquent accounts talk way too much. In training people to improve their collection techniques, I have noticed that collectors, while on the phone or meeting with debtors face-to-face, typically do most of the talking while the debtor is not listening. The result is the collector does not get paid. One of the key principles of collection management is to get debtors to discuss their accounts. Once debtors are talking about their debts you are well on the way to collecting the money. windykacja