Debt relief clients who qualify, and who stay enrolled.

How a debt lead becomes an enrollment

Six steps, and a rejection at any of them.

A record enters the floor as a name and a self-reported figure. It reaches your enrollment team only if it survives every step below, and most records do not.

The dial

A dedicated agent works the record on a cadence your team agrees to. Debt relief records go cold fast and they answer at specific hours, so the cadence is built around when your market actually picks up rather than a single attempt that gets marked dead.

The qualifying questions

Unsecured balance by creditor, roughly how far behind, what changed to cause the hardship, and what the household can genuinely put aside each month. Written down as the person says it, in their own figures, not rounded into something that looks better on a report.

The disclosure

Your required disclosures, read as written and captured on the recording. The agent explains what the program does and does not do, using your approved language, so the client who enrolls knows what they agreed to before your licensed staff ever pick up.

The handoff to a licensed voice

The floor stops where advice starts. Anything that is a legal or financial recommendation, the terms of a settlement, the consequences for a credit file, the alternatives to a program, goes to your own licensed staff. Agents qualify and schedule. They do not counsel.

The second voice

A separate verification team calls back and re-confirms the balance, the ability to pay and that the disclosures were understood, before the enrollment counts. A record that cannot be re-confirmed does not reach you and is not billed, which is the check that makes this pricing model safe for you to buy.

The rejection

Enrollments you reject come back to us with the reason. The reason goes into the next week of training and into the QA scoring, which is how the definition sharpens instead of drifting toward whatever is easiest to sell.

The line agents do not cross

Compliance is not a slide in the onboarding deck.

Debt relief is watched more closely than almost anything else sold over a phone, and the exposure sits with you rather than with your vendor. That is exactly why we run this the way we do: your framework, your language, our discipline in staying inside it.

Your scripts, your disclosures

Approved by your compliance team before launch and not changed without them. An agent who wants a better rebuttal raises it with the coordinator, who raises it with you. Nobody improvises on a recorded line in this category.

No advice from the floor

Agents do not tell anyone whether a program is right for them, what a settlement will look like, what it will do to a credit file, or how it compares to bankruptcy. Those questions route to your licensed staff, and the routing is part of the script rather than a judgement call.

Consent and suppression

We dial the records you provide on the consent basis you provide them under. Your suppression and do-not-call lists are applied as you supply them, and a number you pull comes out of the cadence.

Every call, not a sample

Every call is recorded, transcribed and scored by our AI QA system on compliance first and selling second. A five-person QA team calibrates those scores and reports daily. Flagged interactions are escalated the same day with the recording attached rather than surfacing in a monthly summary.

One client per team

The team and its coordinator work your program only. No shared pods, no blended queues, and nobody carrying a competitor's rebuttals into your calls on the next shift.

The months after the signature

The enrollment that leaves in month three was never an enrollment.

The hardest part of this business is not the sale. It is the twenty-fourth to forty-eighth month of a program, when the draft keeps coming out and the results are slow and visible progress is thin. That is when people stop paying, and a settlement firm's economics live or die on how many of them do.

The same floor can work that problem, because it is a calling problem. Welcome calls in the first week, so the first voice after the sale is not a collections letter. Draft reminders before a payment fails rather than after. Progress calls at the points in the program where people historically go quiet. And a save conversation for the client who has decided to leave, run with your retention offers and your approved language.

This is the same work described in our collections and retention lane, pointed at your own book instead of a creditor's. Most firms buy the enrollment side first and add this once they have seen what a month of held enrollments is worth.

What it costs

Per result. Not per seat, not per hour.

You pay against the number we agree to own, which for most debt settlement clients is the qualified enrollment. There is no setup fee, no seat fee, and nothing billed during recruiting and training, so the cost of building your team sits with us until the team produces.

The rate moves with how strict your definition is, the balance floor you will accept, the states you work and the volume you need in a month. A program that only takes high balances with documented hardship costs more per enrollment than one with a wide gate, because the floor dials longer to find each one. We quote it once we have seen your criteria, on the first call, not from a price list.

There is no minimum commitment. If it does not work, wind it down with notice. You will have paid for the enrollments you accepted and nothing for the infrastructure behind them.

The first thirty days

Live in three to ten days, calibrated in the first two weeks.

Recruiting against your customer profile and training on your program run in parallel, which is what makes three to ten days from signed terms possible rather than optimistic. Team size moves that number more than anything else, and in this category script and disclosure approval on your side is usually the longer pole.

Then a soft launch at reduced volume while scoring calibrates. The first two weeks are where the definition on paper meets the households on the phone: the balance floor turns out to be too high or too low, the hardship question lands wrong, a rebuttal your best closer uses turns out to be one the floor should not. Everything gets adjusted while volume is still small enough that adjusting is cheap.

After that you get a daily report against one number, and a floor you are welcome to visit. Sit behind your agents in Cairo, join a standup, listen to live calls. It is the fastest way to know what you are buying.