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30 Debt Quotes: Showing

Empathy and the Burden of
Debt
August 13, 2019

HEWHOISQUiCK
TOBORROW,
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GERMANPROVERB

People can accrue debt in many ways. Some take out loans for houses, cars and school.
Some overspend on restaurants or travel. Others rack up debt due to medical expenses
insurance won’t cover. Whatever the reason, most end up in collections the same way –
an aspect of the consumer’s life changed, leaving them unable to pay a bill.

This fact makes debt collection one of the most unique industries around. As a collection
agency, you work in a business-to-business model, serving the client creditors who
originally helped your consumers. However, if you don’t treat consumers with care while
collecting the debts they owe, you’re not likely to see much success.

Download a Free Guide on Tactics to Overcome Objections

Quotes About Getting Into Debt

1. "Debt is like any other trap, easy enough to get into, but hard enough to get out
of."

HENRY WHEELER SHAW

2. "Many delight more in giving of presents than in paying their debts."

SIR PHILIP SYDNEY

3. "Don't let your mouth write no check that your tail can't cash."

BO DIDDLEY

4. "Good times are when people make debts to pay in bad times."

ROBERT QUINLIN

5. "Some debts are fun when you are acquiring them, but none are fun when you
set about retiring them."

OGDEN NASH

6. "Debts are like children - begot with pleasure, but brought forth with pain."

MOLIERE

7. "This would be a much better world if more married couples were as deeply in
love as they are in debt."

EARL WILSON

Debt Can Be Stressful

Money is a personal topic for most people and can stir up many emotions. Using empathy
in collecting debt is essential to validating the feelings that accompany a consumer’s
debt. Experts in debt collection have covered many reasons why this emotional tool is so
important.

A central part of collecting is to overcome any stalls and objections a consumer may
bring up during your conversation. While they may not realize it, a consumer’s negative
emotions can act as one of these stalls. Put yourself in their situation to gain insight into
how they are feeling. Once you understand where a consumer is emotionally, you can use
empathetic language to validate their feelings and make them feel heard.

Empathy can also be used to pave the way toward overall conversational intelligence,
where you gain a better understanding of how and when to address difficult situations.
Begin by understanding your unique role in the debt collection process, where you can
become an advocate for each consumer. Then build upon the understanding that every
consumer wants to resolve their debts. They just need your help to understand how.

Quotes About the Burden of Debt

8. "Debt is the slavery of the free." - Publilius Syrus

9. "There are four things every person has more of than they know: sins, debt, years,
and foes." - Persian Proverb

10. "Chains of habit are too light to be felt until they are too heavy to be broken." -
Warren Buffet

11. "Many a man thinks he is buying pleasure, when he's really selling himself to it." -
Benjamin Franklin

12. "Wars in old times were made to get slaves. The modern implement of imposing
slavery is debt." - Ezra Pound

13. "Home life ceases to be free and beautiful as soon as it is founded on borrowing and
debt." - Henrik Isben

14. "Remember this: debt is a form of bondage. It is a financial termite." - Joseph P.

Wirthlin

15. "Debt can turn a free, happy person into a bitter human being." - Michael Mihalik

16. "Buying on the installment plan makes the months shorter and the years longer." -
Unknown

17. "Who goes a borrowing, goes a sorrowing." - Thomas Tusser

18. "Here is an equation worth remembering: Five dollars earned minus seven dollars
spent equals an unhappy life." - Jon Morrison

Human Connection and Empathy

In the end, the human connection empathy creates can help you to better understand
and build trust with your consumers, making it easier for your agency to collect
payments from any generation.

The job can be difficult but helping consumers ease a financial burden is also rewarding.
And remember, in such a uniquely challenging field of work, it’s important to look at the
lighter side of life.

Humorous Quotes About Debt

19. "The only man who sticks closer to you in adversity than a friend is a creditor." -
Unknown

20. "There are three kinds of people: the haves, the have-nots, and the have-not-paid-
for-what-they-haves." - Earl Wilson

21. "Those have a short Lent, who owe money to be paid at Easter." - Benjamin Franklin

22. "A man who pays his bills on time is soon forgotten." - Oscar Wilde

23. "Debts are like children: the smaller they are the more noise they make." - Spanish
Proverb

24. "Creditors have better memories than debtors." - Benjamin Franklin

25. "A billion here, a billion there, sooner or later it adds up to real money." - Everett
Dirksen

26. "If you think nobody cares if you're alive, try missing a couple of car payments." - Earl
Wilson

27. "Credit buying is much like being a drunk. The buzz happens immediately, and it gives
you a lift. The hangover comes the day after." - Joyce Brothers

28. "Some people use one-half of their ingenuity to get into debt, and the other half to
avoid paying it." - George Prentice

29. "Before borrowing money from a friend, decide which you need most." - American
Proverb

30. "We all think we're going to get out of debt." - Louie Anderson

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- ABOUT THE AUTHOR -

HANNAH HUERTA, MARKETING SPECIALIST

Hannah Huerta is a Marketing Specialist at PDCflow.
She creates content for the accounts receivable and
payment industry.

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