Settlement leads seek help negotiating unsecured obligations; consolidation leads seek a new loan to repay existing debts. Both require assessment, but settlement buyers emphasize hardship and payment status while lenders review income, credit and underwriting. Buying either record does not establish eligibility or promise a consumer outcome.
| Buyer consideration | Settlement leads | Consolidation leads |
|---|---|---|
| Consumer intent | Negotiated creditor agreements | A new loan to repay existing debts |
| Primary filters | Debt types, hardship, payment status, states | Income, credit band, debt amount, states |
| Buyer | Settlement company or law-firm resolution team | Licensed consolidation lender |
| Decision | Program and creditor eligibility review | Lender underwriting |
| Data pricing | $35–$95 exclusive | $35–$95 exclusive |
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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