Credit counseling leads seek repayment-plan guidance; settlement leads seek negotiated creditor agreements. Counseling agencies emphasize affordable monthly repayment, income and current or modestly late payments. Settlement firms assess hardship, debt types and program fit. Neither lead category promises acceptance, lower interest, savings or a particular credit outcome.
| Buyer consideration | Credit counseling / DMP | Debt settlement |
|---|---|---|
| Service considered | Repayment plan administered by an agency | Negotiated settlement agreements |
| Payment profile | Current or one to two months behind, subject to assessment | Payment status and hardship reviewed by the program |
| Income review | Affordability of repayment | Suitability of program funding |
| Buyer | Nonprofit or for-profit counseling agency | Settlement company or law firm |
| Lead category | Existing unsecured debt categories plus filters | debt_settlement |
Use actual CPL, contact rate and enrollment rate in the ROI calculator. A lower purchase price or a phone conversation does not establish a lower cost per enrolled client. Keep separate campaign reporting and choose only the services your team is qualified to provide.
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