How do you verify lead quality before transfer? (credit score, equity position, loan amount)

Our Reps are all trained as per the experience, they ensure they ask all these questions from the customer to verify we have the right prospect.

What specific refinance criteria do you screen for? (rate reduction threshold, cash-out needs)

The Criteria is based on the Minimum rate, Balance, they should not have late payments in 1 year, No Refinance in the last 1 year, No Bankruptcy or foreclosure in 3 years, and should be interested to pull some cash, credit, and monthly payments.

What percentage of transferred leads are serious borrowers vs. rate shoppers?

It all depends on the proposal given, but we try to have the highest percentage of serious buyers.

How recent are leads when transferred? (minutes/hours old)

They are minutes and seconds old.

What channels generate these refinance leads? (paid search, social media, organic)

These are all opt-in leads from all social sources.

What percentage of leads come from rate-and-term vs. cash-out refinance interest?

Depends on the market. Right now we focus on the cash-out refinance.

How do you differentiate between purchase and refinance intent?

We only do refinance intent and not purchase.

Can you provide case studies from lenders with similar business models?

You can visit our website for various references.

What's your pricing model? (per transfer, per qualified call, per closed loan)

It all depends on the module—FHA, VA, or Conventional—and also on the filters from the buyers.

Do you offer performance-based pricing or money-back guarantees?

All leads are based on the per call price, and any lead that does not match the pre-decided filters is not counted as billable.

Are there volume-based discount tiers?

No, for us the price remains the same, as we do not hamper quality whether you buy 1 or 100 leads.

How do you handle disconnected numbers or wrong parties?

These are all live transfers, hence no disconnected numbers.

What's your refund policy for non-qualifying leads?

Any lead not matching the filters is not qualified.

How do you ensure TCPA/FCRA compliance for live transfers?

All leads we dial are opt-in, ensuring we have the consent needed to call them and take details.

What disclosures do consumers receive before being transferred?

We inform consumers that this is not a sales call and that we are offering a quote to help them get the best deal.

How do you handle Do Not Call list compliance?

We are registered with the National DNC and have our own SAN Number. Anyone who requests to be added is passed to our internal DNC team.

What's your service level agreement for lead transfers?

We have an IO and Master Agreement that we send to buyers.

How do you handle after-hours leads?

Before we set up the campaign, we ensure leads are transferred according to the buyer's hours. No lead is sent after hours; if any are, they are not billable.

What reporting do you provide in real-time?

Customer details are passed via API so that once the call gets transferred, loan officers have all the details.

Debt Settlement Transfers – Heritus Algorix

Mortgage Live Transfer

Home Security Leads

Pre-Underwriting AI

Mass Tort live transfers

Debt Settlement transfers

Inbound Transfer

Motor Vehicle Accident Case

Heritus Algorix

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Debt Settlement Transfers

Heritus Algorix, we deliver exclusive, voice-verified, live transfer calls from individuals actively seeking debt settlement services. Our proven process connects your sales team with high-intent prospects who are already pre-qualified and ready to discuss their options.

Over the last 25+ Years we made an impact, we have long way to go.

Debt Settlement Live Transfers are real-time phone calls routed directly to your call center or sales reps after a lead is qualified through a combination of digital inquiry and live agent verification.

What Are Debt Settlement Live Transfers?

📞 Inbound and exclusive to your campaign

✅ Qualified based on your filters (debt amount, hardship, income, etc.)

🔒 TCPA and DNC compliant

1. How Can Debt Settlement Leads Work for Your Business?

Debt settlement leads help your business connect with high-intent prospects actively seeking relief from unsecured debts. These pre-qualified leads save time, reduce outreach costs, and increase conversions—allowing your team to focus on closing deals and growing revenue efficiently.

2. What distinguishes your firm from others in the industry?

Heritus Algorix, what sets us apart is our commitment to quality over quantity. Unlike firms that rely on generic data dumps or cold traffic, we deliver high-intent, pre-qualified leads backed by smart targeting, compliance, and real-time verification. Our deep industry knowledge across verticals like debt settlement, mortgage, and mass tort allows us to build tailored campaigns that convert.

3. Do you offer services tailored to specific industries?

Our campaigns are custom-built based on industry regulations, buyer requirements, and consumer behavior — ensuring you get leads that are not just interested, but ready to convert. Whether you need live transfers, form fills, or inbound calls, we align our strategy to your vertical’s unique goals.

Service Options

High-Intent Consumers Connect with individuals actively seeking debt relief — not cold data, but real people ready to act.

Pre-Qualified Leads Each lead meets specific criteria like $10K+ in unsecured debt, financial hardship, and willingness to enroll.

Multi-Channel Acquisition Leads generated via inbound calls, landing pages, paid ads, and SEO for better coverage and diversity.

Live Transfers or Web Leads Get leads delivered how you want — live calls, scheduled callbacks, or verified form fills.

Improved ROI Save your team from chasing unqualified prospects and close more deals with ready-to-convert leads.

Scalable Growth Whether you're a solo attorney or a large settlement firm, scale your client base with a consistent lead pipeline.