AI for Debt Relief Lead Qualification.

If you're running debt relief campaigns, you're fighting rising media costs and picky buyers. You can't afford to have your enrollment floor spending half their shift on "junk connects"—people with $2,000 in debt, people already in bankruptcy, or people who thought they were calling about a loan.

At $55-$270 per qualified transfer, every bad transfer is a direct hit to your margin. And even if you're using offshore screeners, you're still paying $0.25-$0.35/min for them to talk to voicemails and non-qualified leads.

Klariqo puts an automated pre-qual layer directly on your dialer. It screens every connect before your closers ever hear the phone ring.

The AI runs through your exact qualification script in a natural conversation. It handles the "is this a scam?" pushback and the "how'd you get my number?" questions just like your best screeners.

Financial Eligibility:

• Confirms total unsecured debt amount (credit cards, personal loans, medical bills).
• Verifies it meets your buyer's threshold ($10k, $15k, $20k+).
• Filters out secured debt (mortgages/auto) that buyers won't pay for.

Current Situation:

• Confirms financial hardship (struggling with minimums).
• Checks for active bankruptcy or plans to file.
• Filters out those already enrolled in another settlement program.

Intent & Transfer Readiness:

• Verifies the caller is the decision-maker for the debt.
• Confirms they want to explore a settlement/negotiation program.
• Ensures they are ready to talk to an enrollment specialist now.

You don't need a dev team or a new SIP trunk. Klariqo integrates with VICIdial, or any SIP-compatible dialer in three steps:

1. Register the Extension: We give you a SIP address. Your admin adds it as a remote agent (the same process as adding a human agent).
2. Load Your Script: We configure the AI to follow your exact qualification flow, objections, and transfer rules.
3. Protect the Floor: Your dialer routes answered calls to the extension first. Qualified leads get warm-transferred to your closers. Junk connects get dropped politely.

Every minute your closers or screeners spend on a non-qualified call is a tax on your business.

Human rates include wages, dialer licenses, QA, management, and the cost of turnover.

Beyond the raw minute cost, you're saving $60+ on every avoided bad transfer. The AI detects voicemails in 4 seconds and handles DNC requests instantly—keeping your numbers clean and your buyers happy.

We built this for the high-scrutiny world of debt relief.

• TSR Compliance: The AI never discusses fees or specific settlement percentages. It handles intake; your licensed closers handle the math.
• Full Audit Trail: Every call is recorded on dual channels with full transcripts available in your dashboard.
• DNC & TCPA: Instant DNC flagging and recording. No "robocall" patterns—the response time is sub-500ms, so callers don't feel the "AI lag."
• State Filtering: We confirm ZIP/State before transfer to ensure your buyers only get calls they are licensed to take.

Pay-Per-Call Agencies: Protect your buyer relationships. Stop sending bad transfers that lead to chargebacks and paused campaigns.

BPO Operators: Scale your volume without scaling your headcount. Handle the screening spike of a new campaign without hiring 20 new agents.

Lead Buyers: Filter your inbound traffic at the source. Pay only for the calls that have a 90%+ chance of closing.