The Collections Excuse Terminator

Eliminate excuses. Is it possible?
Yes! You and any member of your team can be ready for ANY excuse that one of your customers is going to toss in your direction. Check in the mail? Boss or bookkeeper away? Someone off ill or another person out of work? Bankruptcy being considered or maybe a storm, flood or hurricane?

It doesn’t matter, not with The Collections Excuse Terminator © – your collection coach is there with you, ready to help – 24/7 – with the best questions and most effective statements.

This software product may be run on an individual lap or desktop or it may be set up on a server, accessed by a full team.

  • Consumer and commercial versions (included)
  • Special versions for 3rd party, French, Spanish available on request. Portuguese and Arabic available soon!
  • You can tailor all the information! Add new questions, excuses!

From “Commercial Excuse Terminator”

This unique product is available for immediate download at only $39.95 per user

New Pricing! Only $25.00 for first user. Each additional authorized user is $5.00
and we cap at $250.00 (unlimited use in your firm).

One time fee – no annual charges.

The Excuse Terminator is working well for us. It is easy to access and simple to modify to our needs.

Brandy Warner

Conn Credit Corporation

If a picture is worth a thousand words, what about a video?

The Collections Excuse Terminator ©

  • Created and developed by experts in the field
  • Modified and sharpened over many years
  • Custom-built & tailored – Add, edit & delete
  • Add logo & clip art – chance to be creative
  • Include policy & procedures, other important information
  • Add files! Create your own
  • Teams have all the right information – immediately
  • Price per unit is lower with a volume order
  • Available for unlimited use within your firm – and you may want to install and run several versions – Customer Service, Sales


My compliments on the debtor excuses which you partnered with Michelle. I’ve been in collections a long time, trained, hired and fired too many collectors to count and this is one of the best training tools I’ve seen. Keep up the good work.

Harmon Perryman

Perryman Business Services, Rockwall, Texas

Manual Version

(The old fashioned way with the original ‘excuse terminator’):

Technical ‘stuff’ (for software version)

SAGE (aka The Excuse Terminator) was developed as a Windows native application using Delphi.

  • Runs in windows and is very simple to install. Just a couple of clicks and it’s there.
  • Install via zip file Get it now! After order approval, you can download, install with a couple of clicks and your‘good to go’!
  • Available on a CD for installation as an option or a backup (slightly additional cost)


"I have operated in this field for more than 12 years thru many accreditation courses, workshops and sessions…I found it rare to see someone within your caliber in terms of professionalism and dedication."
Jean Chidiac,
Collection Manager,
Bank Audi
"As a Gold Advanced Toastmaster, I can't help myself - I am very picky about speakers – always conducting my own evaluation. Mr. Paulsen was fantastic. He was relaxed, exhibited great timing and demonstrated a wonderful way to get a message across to us. It was Impressive!
Thanks very much."
Carol Crouse,
Credit Manager,
"No excuses! The right training and the right tools and you can eliminate all excuses for being the best you can be, doing the very best you can do. No excuses."
Tim Paulsen
"You delivered a very dynamic, comprehensive collection-specific seminar. Our team continues to use the many techniques provided in your presentation. Your program was a real win for our collection team!"
Craig Burkhard,
Vice-President, Lending,
MacDill Federal Credit Union.
Learning about collections is sometimes as misunderstood as collecting itself. Tim Paulsen's approach leaves the learners motivated and confidant, two essential elements to making effective collections."
Gilles N. Therrien
Manager, Process Excellence Customer Relationship Support
Canada Post

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