Debt Settlement Outbound Calling — Without Counting Minutes
Your negotiators dial hundreds of numbers a day. Voicemails, callbacks, multi-week settlement cycles — every attempt is metered when you're on per-minute billing. UnlimCall gives debt settlement firms flat-rate outbound calling across 33 live markets, with call recording built in and STIR/SHAKEN signing on every US and Canadian call.
From $5/agent/day ($99/seat/mo)
Why per-minute billing fights debt settlement
- Volume spikes are unpredictable. A new portfolio drops, a negotiation cycle peaks — your call volume jumps 30% and your telecom bill jumps with it. Cost-per-settlement becomes impossible to model.
- Most attempts don't connect. Rings-to-voicemail, disconnected numbers, consumers who need five callbacks before agreeing to terms — you pay per minute for all of it.
- Compliance documentation multiplies your call count. TCPA, FDCPA, and TSR requirements mean more documented contact attempts, more re-dials, more minutes burned before a single settlement closes.
The flat-rate fix
- One monthly fee covers every negotiation call. Dial as many contacts as your team can reach. Your telecom line item is fixed whether volume is light or running at capacity.
- Call recording and archiving included. Every outbound call is recorded and retained, supporting your firm's own TCPA/FDCPA/TSR compliance program — consult your legal counsel on retention requirements.
- STIR/SHAKEN signing helps calls get answered. US and Canadian outbound calls carry attestation headers, which can reduce the likelihood of carrier-level flagging on high-volume outbound.
What you get
| Feature | Detail |
|---|---|
| Flat-rate seats | Unlimited outbound minutes per seat, per month |
| Local caller ID | Provisioned on demand at onboarding for your markets |
| Call recording | Included; retained for compliance support |
| STIR/SHAKEN signing | US and CA outbound, every call |
| Coverage | 33 countries; full network map → |
The math: flat-rate vs per-minute
60-agent debt settlement team, 10,000 minutes/agent/month
| UnlimCall flat-rate | Per-minute (est. $0.0085/min) | |
|---|---|---|
| Monthly cost | $5,940 fixed | $5,100 — and climbing |
| At 15,000 min/agent | $5,940 | $7,650 |
| At 20,000 min/agent | $5,940 | $10,200 |
Break-even is around 11,650 minutes per agent per month. Above that, every minute your negotiators dial costs you nothing extra on UnlimCall. Per-minute rates from competing SIP providers vary; the estimate above uses a common US-outbound market rate — run your own numbers with your current invoice.
How it works
- Pick your markets. Choose from 33 countries; local caller IDs are provisioned for your account at onboarding.
- Connect your dialer. Standard SIP trunk — works with any compliant auto-dialer or predictive dialing platform.
- Dial flat. Seats activate, your team dials. No per-minute counters, no end-of-month surprises.
FAQ
Does flat-rate really mean unlimited outbound? Yes — each seat covers unlimited outbound minutes within your contracted markets. There are no hidden per-minute overages.
How does call recording work, and does it help with FDCPA compliance? Every outbound call is recorded and accessible in your portal. Recording supports your firm's internal compliance program, but UnlimCall does not provide legal advice and does not guarantee FDCPA, TCPA, or TSR compliance. Review your obligations with qualified legal counsel.
What is STIR/SHAKEN and why does it matter for settlement calls? STIR/SHAKEN is a carrier-level call authentication framework required in the US and Canada. Signed calls carry attestation headers that may reduce carrier flagging on high-volume outbound dialing. It does not guarantee delivery or answer rates.
Can I add or remove seats mid-month? Yes. Seat counts adjust on your next billing cycle. Speak with your account manager for prorated arrangements on larger portfolio surges.
Ready to settle debt without counting minutes?
Also relevant: Collections outbound calling →