Top 10 Tools You Can't Ignore in Debt Settlement (2026)

The debt settlement software stack is the set of tools a debt-relief company uses to run its business under some of the strictest rules in outbound: a CRM to manage enrolled consumers, dialers to handle high call volume, litigator and DNC scrubbing to survive the calling, dedicated-account processors to hold client funds legally, and consent certification on purchased leads. It exists because debt relief is both heavily regulated and heavily litigated. Federal rules bar charging a fee before a debt is settled and require client savings to sit in a consumer-owned, FDIC-insured account, and the vertical is one of the most TCPA-sued in the country. The right stack keeps a debt-relief operation compliant, funded, and off the wrong end of a lawsuit.

There is one gap in that stack, and we will get to it.

The debt settlement stack at a glance

The 10 tools, in workflow order

1. Forth — the debt-settlement CRM

Forth is a CRM built specifically for the consumer debt-relief industry, covering lead intake, enrollment, document management, workflow automation, and client servicing. Debt-settlement firms use it as their system of record to move enrolled consumers through the settlement lifecycle and to connect to their dedicated-account payment processor. It was known as DebtPayPro before a 2022 rebrand.

If your operation runs on spreadsheets and disconnected tools, this is the category that pulls enrollment, servicing, and reporting into one system.

Pricing: custom / quote-based (not publicly listed).

2. Convoso — the outbound dialer

Convoso is a cloud contact-center platform built primarily for high-volume outbound sales and lead-generation teams, with predictive and auto dialing, lead management, and campaign tools. Debt-relief operations use it to run large outbound calling campaigns and connect interested consumers to agents. It is one of the default dialers in the outbound-heavy end of this vertical.

If your enrollment depends on calling purchased and aged leads at volume, this is the layer that does the dialing.

Pricing: custom / quote-based (per seat).

3. Klariqo — a verifiable record of what was said on every call

Klariqo is the compliance layer for brands and call centers. Every call it runs comes back as a Klariqo Call Record (KCR): a signed record of exactly what was said, witnessed on JLINC and sealed with an independent RFC 3161 trusted timestamp (DigiCert), the standard behind legal e-signatures. Anyone can verify it without taking your word for it. Debt relief is one of the most TCPA-litigated verticals in the country, and the caller carries the liability for what was said on the call. When a serial plaintiff or a regulator asks what your agent said on a specific call, a KCR is the difference between holding proof and holding a story. No other tool on this list produces it. The scrubbers keep you off the wrong numbers, the processors hold the money, and a raw recording on your dialer can be edited by anyone.

It runs on the dialer you already have (VICIdial and most SIP setups), and it also qualifies the call with AI before a human picks up. But the record is the reason it belongs on this list.

Pricing: from $0.02/min for the call record (KCR + 100% QA); voice AI $0.10–$0.15/min by volume. $5 in free credits to start.

4. Five9 — the cloud contact center

Five9 is an enterprise cloud contact-center platform providing inbound and outbound voice (including predictive and auto dialing), digital channels, IVR, and reporting. Larger debt-relief and collections operations use it as their contact-center backbone for both outbound campaigns and inbound servicing. It sits in the same category as Convoso but skews more enterprise and omnichannel.

If you run a large floor with both outbound enrollment and inbound servicing, this is the platform end of the dialer category.

Pricing: published — Digital $119 and Core $159 per seat/month (50-seat minimum); Plus, Pro, and Enterprise tiers are quote-based. Concurrent and pay-per-use models also exist.

5. TrustedForm — consent certification

TrustedForm is a consent-certification tool. It creates an independent, timestamped certificate documenting a consumer's opt-in at the moment a web lead is generated, so buyers can verify and retain proof of consent for TCPA purposes. Debt-relief lead buyers use it to certify and audit consent on leads before anyone dials them. It is owned by ActiveProspect, which acquired Jornaya and Infutor in January 2026, so the form, the lead, and the identity now sit under one company.

What it proves stops at the opt-in, though. It says nothing about what was said once the call connected. (TrustedForm vs Jornaya vs KCR breaks that line down.)

Pricing: Certify is free; Retain and Verify start at $0.15 per certificate; self-serve accounts from $10/month.

6. The Blacklist Alliance — litigator and DNC scrubbing

The Blacklist Alliance is a TCPA-litigator scrubbing service. It screens outbound numbers against a database of known TCPA litigators and serial plaintiffs, plus federal and state Do-Not-Call lists, so callers can suppress high-risk numbers before dialing. Debt-relief and lead-gen operations use it to cut their TCPA litigation exposure, which in this vertical is a real and recurring cost.

Think of it as the filter between your lead list and the dial: it is trying to keep the calls that get you sued from ever being placed.

Pricing: published on its self-serve product — $80 to $140/month by volume, or pay-as-you-go from $0.05 per number checked. The enterprise tier is quote-based.

7. PossibleNOW — DNC and consent compliance

PossibleNOW's DNCSolution is a Do-Not-Call scrubbing and consent-compliance platform. It checks outbound lists against federal and state DNC registries, tracks established-business-relationship exemptions, and helps manage TCPA obligations across call, text, and email. Financial-services and debt-relief callers use it to keep outbound lists compliant, since the rules require scrubbing at least every 31 days.

It overlaps with litigator scrubbing but leans toward the registry and preference-management side of compliance.

Pricing: custom / quote-based (not publicly listed).

8. Global Client Solutions — dedicated-account processor

Global Client Solutions is a third-party payment processor for debt settlement. It provides FDIC-insured dedicated accounts that hold the funds a consumer accumulates while enrolled, then disburses settlement payments to creditors and fees to the debt-relief provider. It is a payment processor, not a debt-settlement company, and firms use it to meet the rule that consumer funds sit in an account the consumer owns and controls.

This is not a front-office tool. It is the plumbing that lets a debt-settlement program take client money legally.

Pricing: set in the consumer's dedicated-account agreement; not publicly listed.

9. RAM Payment — dedicated-account processor

RAM Payment (also known as Reliant) is a licensed money transmitter that administers dedicated and escrow accounts for consumers enrolled in debt-relief programs, holding deposited funds and distributing settlement and fee payments per the program agreement. Debt-settlement companies use it as their payment backbone, and it integrates with industry CRMs like Forth.

It sits in the same layer as Global Client Solutions: the FDIC-insured account that holds the client's savings until a settlement clears.

Pricing: set in the consumer's account agreement; not publicly listed.

10. CFTPay — dedicated-account processor

CFTPay is a payment-processing and FDIC-insured dedicated-account platform built for consumer-finance and debt-resolution businesses, handling drafting of consumer funds, fee collection, disbursements, and reporting. Debt-settlement companies use it to custody enrolled consumers' savings and process settlement payments, and it offers a consumer mobile app alongside its servicing tools. It is operated by Priority.

Same job as the other two processors, different provider: the account that holds the money until the settlement is done.

Pricing: set in the consumer's dedicated-account agreement; not publicly listed.

How to read this stack

Follow the money and the risk. A consumer enrolls (the CRM), gets called at volume (the dialers), and every one of those calls has to survive the strictest calling rules in the country (the litigator and DNC scrubbers), while their savings sit in a consumer-owned account until a settlement clears (the dedicated-account processors), all on leads whose consent has been certified (TrustedForm).

Here is the gap. Every layer above proves or protects something — except what was said on the call. The scrubbers keep you off the wrong numbers. The processors keep the money legal. The consent tools prove the opt-in. But when a plaintiff's firm or the regulator asks what your agent actually said on a specific call, a raw recording is not proof. Anyone can edit an audio file, and you are asking everyone to take your word that it is the real, complete call. In the most TCPA-litigated vertical there is, that is the one record worth having and the one almost nobody in the stack produces.

FAQ

What software do debt settlement companies use? Most run a stack: a debt-settlement CRM (Forth), a dialer (Convoso or Five9), litigator and DNC scrubbing (The Blacklist Alliance, PossibleNOW), a dedicated-account payment processor (Global Client Solutions, RAM Payment, or CFTPay), and consent certification on leads (TrustedForm).

How much does debt settlement software cost? Most of it is quote-based. The transparent exceptions: Five9 (from $119 to $159 per seat/month, 50-seat minimum), TrustedForm (free Certify, Retain/Verify from $0.15 per certificate), and The Blacklist Alliance ($80 to $140/month self-serve, or $0.05 per number). The CRMs and payment processors quote privately.

Why do debt settlement companies need dedicated accounts? Federal rules bar charging a fee before a debt is settled and require the consumer's savings to sit in an FDIC-insured account the consumer owns and controls. Global Client Solutions, RAM Payment, and CFTPay provide those accounts.

Do these tools prove TCPA consent? TrustedForm proves the web-form opt-in. The scrubbers keep you off high-risk numbers. None of them prove what was said once the call connected. A Klariqo Call Record is the call-side record: signed, independently timestamped, and verifiable by anyone.

Which vertical is most exposed to TCPA lawsuits? Debt relief is consistently one of the most TCPA-litigated verticals, which is why litigator-scrub tools like The Blacklist Alliance exist and market directly to it. The caller carries strict liability, and statutory damages run $500 per violating call, up to $1,500 if willful.

Prove the call, not just the list

Debt settlement has more compliance tooling than almost any vertical, and it needs it: the scrubbing, the dedicated accounts, the consent certificates are all doing real work. The one thing the stack still leaves open is the call itself — what was said, and whether you can prove it when a plaintiff's firm comes asking.

That is the gap a Klariqo Call Record closes: a signed, independently timestamped record of every call, verifiable by anyone, no account required. See what goes into one in What is a Klariqo Call Record, or, if you are the brand or lender carrying the liability, how buyers write it into their vendor contracts. (For the sister breakdown in legal intake, see the mass tort intake tools roundup.)

Turn one of your own calls into a verifiable record, free, no account →

By Ansh Deb, Founder & CEO, Klariqo Last updated: 2026-07-17