Give your counselors consumers who want a structured repayment plan and budget help, filtered by hardship signals, balance and state, for nonprofit agencies and for-profit DMP providers.
Federal Reserve G.19 data shows Americans carrying more than $1.1 trillion in credit card balances. Behind that figure are households whose cards, store accounts and bills all come due on different days. Some of them do not want to negotiate a reduced payoff or open a new loan. They want to repay what they owe on a schedule they can keep, with someone to build that schedule alongside them. That consumer is the debt management lead.
A debt management plan, or DMP, is the structured-repayment route a credit counseling agency offers: a counselor reviews the budget, organizes the accounts into one plan, and the consumer repays through it. Settlement negotiates a reduced payoff, and our debt settlement leads serve that offer. Consolidation means a new loan or a managed program, and our debt consolidation leads serve that one. Debt management leads serve agencies whose first deliverable is counseling.
A plan candidate shows hardship and still has income. Hardship signals such as payments running behind or several card accounts carrying balances matter most when income and employment status show the consumer can fund a monthly plan. Hardship without income is a different conversation, while hardship with income is where a plan works. Our 300+ custom data filters let you set both sides of that line.
Two kinds of buyer use these files, and their needs differ. Nonprofit credit counseling agencies tend to schedule sessions around counselor capacity, so they want steady daily volume and intake that reads as help, not a pitch. For-profit DMP providers tend to run enrollment desks, so they want speed and scale. We have supplied wholesale leads since 2005 across 20+ verticals, and we set spec, format and pacing around which buyer you are.
Filter on payment status, income, employment and the number of card accounts carrying balances. Read together, the signals surface consumers under real pressure who can still carry a plan.
A repayment plan needs income behind it, so employment, income and bankruptcy status are all filterable. Counselor time goes to consumers who can use a plan, and the income field gives the counselor a head start on the budget.
Records come from consumers who asked for help organizing repayment. Your call answers a request instead of interrupting a day, so the first sentence can be about their budget, not about why you are calling.
Tell us whether you run counseling sessions or an enrollment desk. Daily volume, format and delivery are set to match your intake capacity.
State rules and agency authorizations differ, so you list the states and files go nowhere else. A consumer outside your footprint never reaches a counselor who cannot serve them.
Every phone number is DNC-screened with consent documentation attached, and verified bad records are replaced under our accuracy guarantee, so counseling sessions are not lost to dead numbers.
Begin with capacity. Count your counselors or enrollment specialists, work out how many new consumers a day they can serve properly, and send that volume through the contact page with your states, balance range and hardship filters. Match the format to your calendar: live transfer only works when a counselor is free the moment the call lands, so if you book sessions, take real-time exclusive and schedule the appointment. Aged 30-90 day files suit appointment setting. Remind the consumer of the request they made, ask what has changed, and offer a booking instead of a pitch.
Test before you scale. Our 14-day vendor test covers the spec, a small batch, tracked dialing, a replacement check and a decision. For debt management files, add one measure: how many consultations end with a plan started versus a consumer who leaves informed but undecided. The second group is not a failure; it is your follow-up pipeline, so tag those consumers and schedule a check-in instead of dropping them.
Run the first conversation as education, and treat intake as a budget interview rather than a qualification screen. A settlement desk tends to open with the size of the debt and how far behind the consumer is. A counseling desk should open with monthly income, essential expenses and what the consumer can realistically put toward debt. Explain what a repayment plan asks of them each month and what it does not do, and name the alternatives, including ones you do not offer. A consumer who understands the plan is more likely to keep to it.
Promise no outcomes, and put fees in plain words before enrollment. Say nothing about cost on the call that your written disclosure does not also say. Compare your script with the consumer guidance on credit counseling from the federal consumer-finance regulator, the CFPB, linked below. If you charge any fee before services are delivered, ask counsel how the FTC Telemarketing Sales Rule, which restricts advance fees for debt relief, applies to your model. We supply DNC screening and consent documentation, and the rest of the compliance stack is yours.
| Format | Cost | Conversion | Best For |
|---|---|---|---|
| Live Transfer | $$$$ | Highest | Counselors ready to take a budget conversation the moment the consumer is on the line |
| Real-Time Exclusive | $$$ | High | Intake queues that can answer while the consumer is still reading about repayment plans |
| Targeted Data List | $$ | Steady | Scheduled outreach built on hardship, balance and state filters |
| Aged 30-90 Day | $ | Lower per record | Appointment-setting floors and follow-up programs with spare counselor capacity |
Card debt data: Federal Reserve G.19 Consumer Credit. Credit counseling: CFPB overview of credit counseling. How counseling differs from settlement and consolidation: CFPB consumer guidance. Advance fees: FTC debt relief guide for business.
Each record opens with who and where: name, email, state and ZIP, plus a phone number that has been DNC-screened with consent documentation and the date of the request. Use the date to keep follow-up on a schedule, and use the state to route each consumer to a counselor who can serve it.
Next come the hardship and fit fields: months behind on payments, employment status, income, number of card accounts, estimated unsecured balance and debt type, plus bankruptcy status. Read them together. Late payments with steady income describe a consumer who may be able to carry a plan. Late payments with no income describe a different conversation. Many cards with no missed payments describe someone early who may want budget help first.
These fields prepare the counselor and do not replace the counselor. The balance on the record is an estimate, so build the budget from what the consumer tells you. A record that fails verification goes back to us and comes back replaced.
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Contact Us →A debt management lead is a consumer who wants help organizing unsecured debt into a structured repayment plan with counseling support. They expect to repay what they owe. That separates them from settlement prospects, who want a reduced payoff, and from consolidation prospects, who want a new loan or a managed program.
Our records can include payment status (months behind), employment status, income, the number of card accounts, estimated unsecured balance and bankruptcy status. Read the signals together: the goal is consumers under real pressure who still have income to support a repayment plan.
Yes. Tell us which you are and how your intake works. Nonprofit agencies usually need volume sized to counselor capacity, while for-profit providers often want faster formats such as live transfer or real-time exclusive. We set pacing, format and states to match, and you remain responsible for your own licensing and disclosures.
Consumers asking for structured repayment want to understand a plan before they commit to it. Starting with the budget, explaining what the plan asks of them each month and naming alternatives gives the consumer something real to decide on and gives your team cleaner notes for follow-up.
Send it back with your dialing notes. Our 100% file accuracy guarantee comes with a replacement policy for verified bad records, so a record that fails verification is replaced instead of costing your counselors a session.
Order a small batch and score it on contact rate, consultations held, plans started and replacements honored. Our 14-day vendor test on the blog lays out the method. Judge the vendor on plans started per dollar spent, not on lead count.