Buy bankruptcy leads from consumers who asked for help, as live transfers or aged opt-ins, or compiled bankruptcy lists filtered by chapter and state.
Bankruptcy leads are consumers who have asked for information about bankruptcy or debt help, sold to attorneys, debt relief firms and lenders who want to speak with them. The term is also used for something different: compiled lists of consumers with a bankruptcy marker on file. Both are sold under the same name, and they behave nothing alike, so decide which you need before you request a quote. Buyers searching for bankruptcy leads with live phone transfers want the first kind.
An intent lead is a person who raised a hand. They filled in a form, answered a campaign or called, and said they wanted to talk about their options. You reach them as a live transfer, a real-time exclusive lead or an aged opt-in lead, and your opening line is honest: they asked. A compiled list is a targeted data list built from filters such as filing chapter, location and income. Nobody on it asked you for anything, so it suits patient outbound programs, direct mail and lenders, not a closing desk expecting warm conversations.
The right file follows your business. A consumer bankruptcy attorney or a firm handling filings wants intent leads, because the call has to start with a consumer who is already weighing a filing. A debt relief company working the wider picture may want the same intent file, plus a clean way to separate bankruptcy-minded consumers from settlement prospects. Our debt settlement leads are built for settlement offers, a separate file with its own filters. Lenders who serve consumers after a case closes usually want a compiled list with chapter and state filters.
We have supplied wholesale leads since 2005, with 300+ custom data filters to apply before delivery. Phone records are DNC-screened with consent documentation, and you can send a suppression list to run first. For the full range of debt offers and how they differ, see our debt relief leads overview.
We tell you whether a file is consumers who asked for help or a compiled list, so you never pay intent pricing for a list or dial a list as if it were warm.
On compiled files you can filter by filing type such as chapter 7 or chapter 13, along with location and income, so your outreach fits the consumer's actual situation.
Aged opt-in files can be built for phone, email or direct mail, so one campaign can reach consumers by the channel you are set up to run, subject to the consent and opt-out rules for that channel.
Aged intent leads are typically 30 to 90 days old. Tell us how old you will accept and we price the file accordingly.
Attorney licensing and advertising rules differ by state, so files are built for the states where you are authorized to practice or operate.
Phone records are DNC-screened with consent documentation, files carry an accuracy guarantee with replacement for verified bad records, and your suppression list runs before delivery.
Begin by writing down what a qualified consumer looks like for you: states, income range, and whether you want consumers who are behind on payments or already in a case. Those answers become filters. A short specification beats a long one, because every extra condition shrinks the count and raises the price. Ask for a count first through the contact page and tune the filters against it.
Choose the format by how your intake works. A live transfer puts a consumer on the line with your agent immediately, which suits firms with staffed intake; see live transfer leads for how transfers are handled. Real-time exclusive leads reward fast callbacks. Aged opt-in leads suit follow-up queues that work consumers over days. Compiled lists belong in phone, mail or email programs that can absorb a low response rate.
Compliance sits on the buyer side and is worth settling before the first call. If your firm is a debt relief agency under the Bankruptcy Code, section 528 requires a written contract with the consumer and a clear statement in your advertising that you help people file for bankruptcy relief; where advertising speaks to debt pressure and the help may involve bankruptcy, it must say so. Attorney advertising is governed by state bar rules, which generally bar false or misleading statements about a lawyer or the lawyer's services. Telemarketing calls fall under the FTC's Telemarketing Sales Rule, including the National Do Not Call Registry and a calling window of 8 a.m. to 9 p.m. local time at the consumer's location. Have counsel review all of it.
Keep your agents honest on the phone. A bankruptcy discharge covers most debts but not every category of debt, so a script should describe options and leave the outcome to the attorney. No agent should promise that debts will be erased. If the consumer's situation looks better suited to a repayment plan or to credit work, route them accordingly: our credit repair leads serve consumers focused on their reports.
| Format | Cost | Conversion | Best For |
|---|---|---|---|
| Live Transfer | $$$$ | Highest | Firms with staffed attorney or paralegal intake |
| Real-Time Exclusive | $$$ | High | Teams that can call back within minutes |
| Targeted Data List | $$ | Volume play | Mail, phone and email programs, post-bankruptcy lenders |
| Aged 30-90 Day | $ | Moderate | Follow-up queues and high-dial outbound floors |
Sources: 11 U.S.C. 528, requirements for debt relief agencies; New Hampshire Rule of Professional Conduct 7.1 (one state example); 16 CFR 310.4, Telemarketing Sales Rule; US Courts, Chapter 7 basics; US Courts, Chapter 13 basics. This is operator guidance, not legal advice.
Every record carries date captured, lead reference, first and last name, phone, email, street address, city, state and ZIP. Intent leads add what the consumer reported: estimated unsecured debt, debt types, income band, employment status, whether payments are behind, and whether they have filed before.
Compiled lists carry the identity block plus the attributes you filtered on. Chapter 7 is a liquidation case, while Chapter 13 is a repayment plan over time, so the filing chapter is the field that most often decides whether a record fits your offer. Fields vary by file, so confirm the layout when you request your count.
Phone records arrive DNC-screened with consent documentation, and intent leads carry the capture timestamp so you can see how old the request is. Send your suppression list before delivery and we will remove existing clients and opt-outs from the file.
The three tabs below show the filters a Bankruptcy Leads order can be built on, a sample qualification script your agents can adapt, and one sample record. Contact details in the sample are placeholders that show the layout, not a real person.
Hi, may I speak with (First Name)? This is _______ with (Firm Name).
Mr./Ms. ______, you asked for information about options for dealing with debt, which may include bankruptcy. I'm following up on that request. This call may be recorded.
Did you ask for information about debt help, including the possibility of bankruptcy, and do you have a few minutes to talk? (Must be "YES")
I understand, and I'm not here to push you toward anything or promise any result. An attorney can explain the options, including ones that are not bankruptcy, and you decide what to do. Would a short conversation help you compare them?
Thank you. I'll connect you with an attorney who will explain your options, and any fees will be set out in a written contract.
Contact us today to get a free count and quote. Quick delivery, competitive pricing, and unmatched quality.
Contact Us →A live phone transfer connects a consumer who asked about bankruptcy or debt help to your agent while they are still on the call. You skip the callback chase. They cost more than other formats because the consumer is qualified and present, and they suit firms with staffed intake. Request a free count and quote for your states.
Bankruptcy leads are consumers who asked for help, so they expect your call. Bankruptcy lists are compiled data, filtered by things like filing chapter, location and income, where nobody has contacted you. Leads suit closing desks. Lists suit direct mail, outbound phone or email programs, and lenders working consumers after a case.
Chapter filters are available on compiled lists, along with state, income and other attributes among our 300+ custom filters. Chapter 7 is a liquidation case and Chapter 13 is a repayment plan, so the chapter often decides which offer fits. Ask for a count with your chapter and state filters before ordering.
If you plan to call them, yes. Telemarketing calls fall under the FTC Telemarketing Sales Rule, which includes the National Do Not Call Registry, so screening matters. Our phone records are DNC-screened and consent documentation travels with each record. You can also send a suppression list. Have counsel review your calling practices.
Bankruptcy Code section 528 requires debt relief agencies to use a written contract and to include a statement in their advertising that they help people file for bankruptcy relief. Attorneys also follow state bar advertising rules, which generally prohibit misleading statements. This is general information; have counsel review your marketing.
There is no public price list. Price depends on whether you want an intent lead or a compiled list, the format (live transfer, real-time, list or aged), exclusivity, filters and volume. Live transfers sit at the high end and aged or compiled files at the low end. Ask for a free count and quote.