Praise for The Debt

“This book about credit collections reads like a short novel. The concepts presented go well beyond credit collections to the fine art of  “negotiation.” After reading the book on a Sunday, I used some of the principles enumerated in the book during a negotiation process on Monday. The book has made me examine several of  my long held fundamentals of  negotiation with belief  that maybe there is a better, more effective way.”

Bob Markley, Professional Negotiator


“Ask any collections professional—It’s a war out there.  The Debt is a fast read full of  practical tips and ideas that any debt collections professional can apply immediately to increase their rate of  recovery. In today’s challenging economic times every collector should read this book as it will give them a winning edge. I not only enjoyed the story but appreciated it as a “how to” treasure. Bill Arnold is to collections what Zig Zigler and Dale Carnegie are to sales and public speaking.  The Debt should not be limited to the world of collections. As a sales professional I found the book full of great ideas on how to use human relations and applied psychology to relate to the customer and identify a customer’s needs, how to use a consultative approach to establish the much needed win-win in order to get the sale, and how to close the sale by confidently asking for the business. When properly implemented, I am confident the important advice found in The Debt will have an immediate impact on the bottom line of  any collections organization and has the potential to transform the public persona of  an entire industry.”

Alec Knight, Sales Consultant


“Once I began reading The Debt I could not stop, I needed to see how Jake was going to make it through his day. I think the thing I enjoyed most is that this book does not only apply to the collection business. In our business life there are times when we must take a stand for what is right even when it might be easier to look the other way. When we take the time to allow people to tell us how they feel while building rapport and understanding their feelings we can keep a loyal customer. When we do not take time to follow the principles of this book we most certainly will not see that person again. Time and compassion are key to resolving disputes and this book gives good advice in those areas.”

Mike Biggers, Business Consultant


I think The Debt is a good read for teenagers.  It shows us things that we often just don’t see, mostly out of  habit. Money is something we usually spend on whatever we want.  We aren’t as concerned about going into debt or having to try and find a way to pay people back when we are completely out of  money, and they threaten to have everything we own taken away. I think that as a teenager, this habit of spending money so casually needs to be broken, because in most cases when you own a house, car, and have to pay taxes, the money won’t be there to spend so easily.  Also, this book shows us that the people who collect money from those who owe it are not all mean, gruff, and all about getting the job done as quickly as possible.  They can be kind, gentle, respectful, and fair.”

Cassie, age 15