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What to say when you need more time or money
Pick who you're asking and what you need. You get a call script, an email or a text with your details filled in, in the tone you choose, and what to try if they say no.
Scripts by who you're asking
My landlord
Ask before the rent is late, name the exact date you can pay, and get the answer in writing.
My electric, gas or water company
Most utilities offer payment arrangements if you call before the shut-off date. Here is what to say.
A hospital or medical bill
Before you pay or set up a plan, ask for the hospital's financial assistance policy and an itemized bill.
My credit card company
Card issuers often have hardship programs they don't advertise. Ask for one by name, and ask what it changes before you agree.
My car lender
Call before the payment is late and ask about a deferral or extension. Ask what it costs before you agree.
My phone or internet company
Most carriers offer a payment arrangement that keeps your service on. Ask before the due date.
The IRS
Two scripts: asking the IRS to remove a penalty, and setting up a payment plan. This is general information, not tax advice.
My boss or employer
Ask privately, name the exact amount and how it comes back out of your pay, and offer to put it in writing.
Family or a friend (I'm asking)
Name the amount and the date you'll pay it back, make it easy to say no, and write it down if they say yes.
Someone asking me to lend (I'm the lender)
How to say no kindly, or yes with clear conditions, without damaging the relationship.
Someone who owes me money
Ask early, privately and specifically: the amount, the date it was due and a new date. Here is what to say.
These are templates for general information, not legal or tax advice.