Skip to content

Debt settlement CRM consulting

A debt resolution platform built on Salesforce, with HubSpot for lead capture and routing. You work with the team you meet.

Enrollment, client deposits, creditor negotiations and settlement payments on one client record, reconciled with your dedicated account processor and built for TSR and state recordkeeping rules. We unified a national debt resolution firm with 250+ employees in 90 days and are building a second firm’s sales, servicing and settlements operation now.

● Three debt relief and settlement clients since 2019 · 1 published case study · 1 platform in delivery

 

What a debt settlement firm needs from its CRM

A debt settlement CRM has to carry a client from the first call through enrollment, deposits, creditor negotiation and the last settlement payment, with the money trail and the compliance record attached to the same client the whole way. Most firms run that across a sales CRM, a servicing or settlement system, a payment processor portal, a dialer and spreadsheets. Our work is putting it on one platform.

How we build for debt settlement

Icon SVG-20

Enrollment to settlement on one client record

Contact details, credit pull, co-applicant, underwriting notes, enrolled debts, deposits and settlements on one record, so sales, servicing and negotiations work from the same data instead of three systems and a spreadsheet.

Icon SVG-29

A money trail that stays auditable

Every client draft, settlement payment, fee and reversal in one ledger with running escrow and fee balances, reconciled with the dedicated account processor on a schedule instead of by hand each morning.

Icon SVG-16

Compliance in the workflow, not in a report

Bank account validation, KYC, credit pull with bureau failover and TCPA do-not-call automation embedded in enrollment and dialing, with Shield encryption, field audit trail and event monitoring behind them for five-year TSR recordkeeping.

Icon-06

Phased delivery that respects your licenses

Highest-value team first, then the next, and Salesforce seats bought when they can be used. The national firm we unified went live with its service team in one phase and its negotiations and settlements team in the next, with full unification 90 days after the first go-live.

Salesforce or HubSpot

We implement both. For most debt settlement firms Salesforce runs enrollment, servicing, settlements and the money trail, and HubSpot runs lead capture, affiliate attribution and marketing with real-time routing into Salesforce. Smaller firms and counseling organizations can run the whole operation on HubSpot.

Salesforce

Best for: firms with 25 to 500 staff, multi-state operations, affiliate networks, and anyone replacing Forth, Debtonator, LeadTrac, NuDebt, QuickBase or spreadsheets

  • Client record with credit pull, co-applicant and underwriting on one page
  • Debt calculator, draft scheduling, transaction and credit item ledgers, settlement schedules
  • Dedicated account processor integration with automated reconciliation and payment clearance
  • Service Cloud for servicing and retention, replacing Zendesk or email queues
  • Shield encryption, field audit trail and event monitoring for TSR and state recordkeeping

HubSpot

Best for: lead capture and marketing in front of a Salesforce enrollment floor, or the whole CRM for smaller debt relief firms and credit counseling organizations

  • Web, call and affiliate lead capture with source attribution
  • Real-time lead routing into Salesforce so the enrollment team calls within minutes
  • Enrollment and retention sequences, SMS and email with consent capture
  • Pipeline tracking for enrollment and settlement stages where HubSpot is the CRM
  • Closed-loop reporting from lead source to enrolled debt

What the platform looks like

Six screens from a debt resolution platform we built on Salesforce, in the order a client moves through the program. Enrollment, program design, deposits, the money trail and creditor settlements all sit on one client record.

Debt resolution platform on Salesforce: client record screen (test data)

1. Client record

Contact details, the credit pull, underwriting messages and the debt calculator on one page, with the client and co-applicant profile alongside. SSN and date of birth sit in dedicated fields that can be encrypted at rest with Salesforce Shield.

Debt resolution platform on Salesforce: debt calculator screen (test data)

2. Debt calculator

Reps pick which tradelines to enroll from the credit report and model the program live with the client: term, payment frequency, down payment, program percentage and fees. Estimated settlement, program fees, total cost and savings recalculate as terms change, with a max-settlement guardrail that keeps quotes consistent across reps.

Debt resolution platform on Salesforce: draft scheduling screen (test data)

3. Draft scheduling

Once a client enrolls, servicing creates the full schedule of client deposits in one action. Each draft carries its amount, fee portion and escrow allocation, and a date that has already passed rolls forward automatically.

Debt resolution platform on Salesforce: transaction ledger screen (test data)

4. Transaction ledger

Deposits in, settlement payments out, fees, and running escrow and fee balances in one grid. Filter by inflows, outflows or status, see skipped payments and NSF counts at a glance, and export to Excel in one click.

Debt resolution platform on Salesforce: credit item ledger screen (test data)

5. Credit item ledger

Every enrolled debt with its original balance, settlement amount and remaining to settle, plus the negotiator, negotiation status and settlement status. Current creditor and alternate payee fields track accounts that move to collectors or debt buyers mid-program.

Debt resolution platform on Salesforce: settlement schedule screen (test data)

6. Settlement schedule

Expanding a creditor shows each settlement payment against that debt, scheduled and posted, with check numbers, fees and a running balance to settle. A reversed payment posts as a negative entry and the balance adjusts on its own.

Systems we have connected for debt settlement firms

Named here only if we have delivered the integration for a debt settlement or consumer-finance client.

Processor and payments

Global Holdings (account provisioning, draft scheduling, ad-hoc payments, scheduled reconciliation), MobileLend

Identity and credit

Giact gVERIFY, LexisNexis, Experian Connect with Equifax failover, Array

Contact center and messaging

NICE CXone (CTI, IVR, dialer, TCPA DNC automation), RingCentral, Vonage, Twilio, Sinch, Drips

Documents and mail

DocuSign, AlphaTrust, Metasource inbound mail digitization

Lead sources and marketing

HubSpot, ActiveProspect, Balboa Digital, Acoustic, nightly lead scoring

Data, middleware and migrations

MuleSoft, Fivetran and Snowflake, Salesforce Connect; migrations from QuickBase, Zendesk, Debt Tracker and LeadTrac

We connect to Forth Pay, RAM, CFTPay and creditor portals through their APIs, and migrate from Forth (DebtPayPro), Debtonator, Zenith, NuDebt and spreadsheets.

Proven results

Verified outcomes from our debt settlement engagements.

250+

Employees Unified
National debt-resolution firm

90

Days to Full Unification
Same engagement

12+

Integrations Delivered
Same engagement

150+

Users Onboarded
Same engagement

National debt-resolution firm · 250+ employees

Unified on Salesforce in 90 days

Sales and Service Cloud with 12+ integrations, including real-time payment-account provisioning, replacing a stack of siloed systems.

Read the case study →

National consumer-finance and debt-relief firm

Sales, servicing and settlements moving to one Salesforce platform (2026, in delivery)

Replacing a legacy sales CRM, a servicing and settlement system and a ticketing tool with Sales Cloud, Service Cloud and a custom finance and settlement layer: debt calculator, draft scheduling, transaction and credit item ledgers, settlement schedules and scheduled payment clearance.

“I’m loving the triggers. I love the automation. That’s something we struggled with for a really long time, with everything being so manual.”

National consumer-finance and debt-relief firm

Trusted by AAFMAA, Grayscale, Guggenheim, NewSpring, TrueNorth and Wilshire

700+ engagements · 175+ clients

Ways to start: Salesforce packages  ·  CRM Health Check  ·  Managed services

Who we serve

Debt resolution and consumer-finance organizations of every size:

Debt settlement companies

National and regional settlement firms managing thousands of enrolled clients and creditor accounts.

Debt negotiation firms

Negotiation teams that need offer history, deadlines and settlement terms in one workflow.

Consumer finance & consolidation lenders

Lenders that pair debt relief with consolidation loans and need both journeys connected.

Credit counseling organizations

Nonprofit and for-profit counselors running education, enrollment and follow-up at scale.

Debt management program administrators

Administrators handling payment schedules, creditor proposals and client communications.

Financial wellness providers

Programs that guide clients from enrollment to graduation with automated check-ins.

Related resources

Go deeper: the 90-day debt resolution case study, CRM for debt settlement firms: Salesforce or HubSpot, Salesforce for debt settlement in 2026, Agentforce for debt settlement, mortgage and consumer lending CRM, system integration and data migration.

Frequently asked questions

Common questions about CRM solutions for debt settlement companies

What CRM do debt settlement companies use?

Most mid-sized firms run a debt settlement specific system such as Forth (formerly DebtPayPro), Debtonator, LeadTrac or NuDebt, often with a separate sales CRM, a dialer and spreadsheets around it. The largest firms in the industry run Salesforce. We build debt settlement operations on Salesforce, with HubSpot in front for lead capture and marketing where that fits, so enrollment, deposits, negotiations and settlement payments share one client record.

Can Salesforce integrate with Global Holdings, RAM or another dedicated account processor?

Yes. For a national debt resolution firm we integrated Salesforce with Global Holdings for real-time account provisioning, draft scheduling, ad-hoc payments and hourly batch reconciliation; it was the largest single piece of that build. The same pattern applies to RAM, CFTPay and Forth Pay through their APIs. The result is a transaction ledger in Salesforce that matches the processor without anyone re-keying payments.

How does the CRM handle the TSR advance-fee rule and five-year recordkeeping?

Fees are tied to settlements in the data model, so a fee cannot post before the creditor settlement it belongs to. Call records, consent, disclosures and communications stay attached to the client record, and Salesforce Shield adds encryption at rest, field audit trail and event monitoring so you can show a regulator what was changed, by whom, and when, across the five-year retention period the 2024 TSR amendments require.

How do you avoid paying for Salesforce seats before go-live?

We phase the build by team and buy licenses when each team can use them. The 250-employee firm went live with its 60-person service team first, then its 90-person negotiations and settlements team, and was fully unified 90 days after the first go-live. We plan the Salesforce order with the account team so seats, Shield and any contact center licenses line up with those dates.

Can one platform run both debt settlement and consolidation lending?

Yes. Firms that pair a settlement program with a consolidation or graduation loan need loan origination and servicing objects next to the settlement objects, with one view of the client. We are building that model now for a national consumer-finance and debt-relief firm, with credit pull, underwriting and the lending partner connected to the same client record as enrollment and settlements.

See the platform on your own enrollment, servicing and settlement process

Talk to a senior consultant who has unified national debt resolution firms on Salesforce. We’ll walk through the six screens live, map them to how your firm works today, and recommend a phased plan and license order.

Ready to grow your company to the next level?

 

Elements Image

Client reviews

What debt settlement clients say

4.7/5 AppExchange rating (19 reviews)Read them →
“No over sell, no wasting hours. delivered just what we needed on time and under budget.”
Verified customer, Financial Services
Verified review on Salesforce AppExchange
“It's super easy to navigate, which is terrific. Mike asked me to reassign a lead to him, and I was able to find where to do that in like two seconds.”
National consumer-finance and debt-relief firm
“I'm loving the triggers. I love the automation. That's something we struggled with for a really long time, with everything being so manual.”
National consumer-finance and debt-relief firm

Quotes without a review link come from clients we work with and are shared without names.

Integrations & migrations

Integrations and migration paths for debt settlement

Practical guides from our senior consultants: what syncs, how data maps, and what to plan for.

Related integrations

Browse all integrations →
Productivity & CommunicationMicrosoft 365 and OutlookA Microsoft 365 integration connects Outlook email and calendar, and Teams, to Salesforce or HubSpot, so …Productivity & CommunicationGoogle Workspace and GmailA Google Workspace integration connects Gmail and Google Calendar to Salesforce or HubSpot so emails and …Productivity & CommunicationDocuSignA DocuSign integration lets users send agreements for eSignature from Salesforce or HubSpot and writes signed …Productivity & CommunicationSlackSlack integrations bring CRM records, alerts and approvals into Slack channels, so teams can see deal …Marketing & EngagementHubSpot and SalesforceThe HubSpot and Salesforce integration syncs contacts, leads, companies, deals and activity between the two …AI AssistantsClaude (via MCP)Connecting Claude to Salesforce and HubSpot through the Model Context Protocol (MCP) lets users ask questions …

Migration paths

Browse all migration paths →
Salesforce ModernizationExchange EWS to Microsoft Graph for Salesforce emailExchange Web Services (EWS) connections → Microsoft GraphCRM PlatformInsightly to HubSpotInsightly → HubSpotCRM PlatformSpreadsheets to a CRMSpreadsheets, Outlook and shared drives → Salesforce or HubSpotCRM PlatformZoho CRM to HubSpotZoho CRM / Zoho One → HubSpot

More resources: Docs · CRM, SI & AI glossary · Integration directory · Migration paths · FAQ

Teams we work with

How the work changes for each team in this industry. Every team page covers workflows, metrics and where to start.

Client serviceClient communication and enrollment service at volume.OperationsEnrollment, payments and negotiation workflows at volume.Compliance & riskClient consent, disclosures and communication records.
All solutions by team

Where we work with debt settlement firms

Market pages covering the local economy, the debt settlement firms that shape it and how we apply Salesforce, HubSpot, SI and AI there.

All 102 marketsTake the 3-minute SI and AI readiness quiz