When pay-per-call live transfers beat data leads for debt relief buyers, and when they don't.
What you're buying
A data lead is a consumer's contact record, delivered in seconds, for your team to dial. A live transfer is a pre-qualified consumer already on the phone, handed to your closer.
How billing differs
Data leads are billed on delivery ($15–$95). Live transfers are billed per qualified call ($75–$175) only after the call passes a 90-second minimum — short or dropped calls are never billed.
Staffing math
Data leads need dialer capacity: expect to work each lead multiple times. Live transfers need answer capacity: a closer available during your transfer hours. Many buyers run data leads off-hours and transfers when closers are staffed.
Availability
Data leads are self-serve for every buyer. Live transfers are rolling out to approved buyers — request access from your dashboard.