Debt Settlement Leads · Buyer guide
What happens after delivery decides whether a lead program improves or stalls. This framework covers acceptance criteria, consistent dispositions, evidence, dispute review and turning outcomes into feedback. Keep one principle in mind: a rejected record does not automatically mean the provider was at fault.
Key takeaways
The process runs from campaign criteria to delivery, acceptance, disposition, review and optimization. It applies to both lead records and live transfers, although the evidence and timing differ. The first step is always to establish what happened and whether it matches the agreed criteria.
Tie acceptance to your real program: debt profile, accepted debt types, target states, required contact fields and delivery model. Track acceptance separately from qualification and enrollment so your reporting stays accurate.
| Disposition | Evidence to record |
|---|---|
| Duplicate | Matching identifiers and original delivery date |
| Invalid or incomplete | Field values and validation results |
| Unreachable | Contact attempts, times and channels |
| Outside criteria | The agreed criterion and the record value |
| Failed transfer | Offer time, connection result and agent availability |
| Routing issue | Queue, assignment and timestamps |
| Accepted for follow-up | Assigned agent and next action |
Share your states, volume and criteria and we will send availability and pricing.
Every dispute should link to a specific record, a delivery event and an agreed criterion. For live transfers, include the offer time, the connection result, your team's availability and why the call was not completed. Failed contact, a short conversation or non-enrollment does not on its own prove a record was invalid.
Credit and replacement terms vary by campaign and provider, so agree the process before launch. Not every rejected record qualifies, and requests should be judged consistently against the agreed terms and the evidence.
Review patterns by source, campaign, state, delivery model, debt profile and time period. A recurring pattern may point to criteria, a qualification mismatch, source quality, routing, timing or your own handling, rather than one bad record. Share findings with your provider so both sides can make targeted changes.
No. Review the agreed criteria, your own handling and the delivery evidence first.
No. Eligibility depends on the agreed campaign terms and the evidence provided.
Duplicate, invalid or incomplete, unreachable, outside criteria, failed transfer, routing issue and accepted for follow-up.
When similar dispositions recur by source, campaign, state, timing or another meaningful dimension.
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Tell us your states, volume and qualification criteria. We will reply with availability, pricing and a recommended setup.