Hello how may I help you? Can you pull up my account for me? Sure, I can help What is your name John Doe What is the account number associated with your account 2568597628 How did I get so many late fees? You are concerned with your fees. I see have five different debts Can I get my debt erased? Do you want to pay them off now Sorry. I cant erased them. When can discuss payment arrangements if you like We can That's okay nevermind Is that all? Yep