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Exclusive vs Shared vs Aged Debt Relief Leads

October 24, 2026 · 6 min read

How the three main lead products differ on price, competition, speed and expected performance.

Exclusive: the only conversation

Exclusive real-time leads are sold once, to you, for $35–$95 by debt band. No race to the phone, no other agent pitching the same consumer. Best for smaller teams and longer sales cycles.

Shared: volume at a lower price

Shared leads cost $15–$35 and go to at most three buyers at once. They reward fast dialers with strong scripting and produce volume for call centers.

Aged: bulk inventory at $1–$8

Aged leads are more than 24 hours old and sold in bulk (25-lead minimum) by age tier, with bulk discounts up to 30%. Contact rates are lower, but the cost per enrollment can be excellent with a multi-touch cadence.

How to choose

Match the product to your speed and staffing. If you can dial in under 60 seconds, shared leads stretch budget. If your closers book appointments, exclusive wins. If you have nurture capacity, aged leads are the cheapest raw material.

Common questions

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