Debt settlement & credit repair
Power dialer for a 3-person debt relief company
Last updated 27 August 2026
Short answer
A 3-person debt relief company on DialSheet pays $29 a month for software (1 three-seat packs at $29) plus roughly $99 of usage billed by its own Twilio account — about $128 a month all in, or $1,536 a year, which works out at $0.010 per dial across roughly 12,600 dials a month. The same 3 seats on Dialpad cost about $45 a month in licence fees alone, before telephony.
Debt relief calling is high-volume, long-conversation and among the most heavily regulated consumer outbound there is, so the two requirements are cost per dial and a complete recorded record of every call. DialSheet is free up to 500 leads and $29/month per three-seat pack after, records by default into your own Twilio account, and bills talk time at roughly $0.014 a minute. A twelve-consultant floor is $116 a month plus about $180 in telephony.
The numbers for 3 reps
- Software, per month
- $29 (1 × 3-seat pack)
- Twilio, per month
- ≈ $99
- All-in monthly
- ≈ $128
- All-in yearly
- ≈ $1,536
- Dials per month
- 12,600
- Cost per dial
- $0.010
Assumes 200 dials per rep per working day, a 9% connect rate and 6-minute average conversations over 21 working days — working estimates for debt consultants on a power dialer, not a quote. Telephony is billed to your own Twilio account at ~$0.014/min plus ~$1.15/month per number.
Why the usual dialers misprice debt consultants
This is a trade where regulators read call transcripts. The value of owning your recordings outright — in your own carrier account, on your retention schedule — is much higher here than the difference in seat price, and most per-seat platforms keep your recordings on their infrastructure.
What 3 seats costs elsewhere
List prices as of August 2026 for the tools a small debt relief company actually shortlists. Per-user figures are approximate and several vendors quote rather than publish.
| Tool | Per user | 3 seats/mo | Trade-off |
|---|---|---|---|
| DialSheet | $9.67 effective | $29 | you connect your own Twilio and pay carrier rates |
| Dialpad | ~$15–25/user/mo | $45–$75 | built as a phone system first — the sales dialer sits in higher tiers |
| JustCall | ~$19–89/user/mo (annual) | $57–$267 | the dialer is gated above the entry plan, and the team tiers carry a two-user minimum |
| RingCentral | ~$20–45/user/mo | $60–$135 | a business phone system rather than an outbound sales dialer |
| CallHub | ~$25+/user/mo plus usage | $75–$150 | credit-based billing on top of the seat makes the real cost hard to predict |
| Aircall | ~$30–50/user/mo | $90–$150 | seat minimums apply and the power dialer needs the Professional tier |
Against Dialpad at list price, a 3-seat debt relief company on DialSheet Pro saves roughly $192 a year in software — about 2× the licence cost — before adding your Twilio usage of roughly $1,188 annually.
How debt consultants actually run it
The list is debt-qualified consumer lists and inbound respondents; the scoreboard is enrollments. This is the loop between them.
01Qualify on the call, record the whole thing
Debt calls are long and consequential. Recording is on by default, notes save to the record as you type, and the transcript and AI summary attach to the same call — so the qualification conversation is documented rather than remembered.
02Keep suppression absolutely current
The internal DNC list blocks a scrubbed number account-wide and permanently. In a trade where a single dialed opt-out is a real problem, suppression that applies before the call connects matters more than a feature list.
03Track the long path to enrollment
Enrollment rarely happens on call one. Tasks with due dates, permanent call history and pipeline stages carry a prospect across the weeks between first contact and first draft.
One of the most regulated forms of outbound calling
Debt relief and credit repair are governed in the US by the FTC Telemarketing Sales Rule — including specific restrictions on advance fees for debt relief services — alongside the TCPA, the Do Not Call Registry, the Credit Repair Organizations Act for credit repair, and a layer of state licensing and telemarketing statutes. Recording rules vary by state and several require all-party consent. Recordings are stored in your own Twilio account so retention is under your control. This is orientation only and emphatically not legal advice: get counsel who knows this sector.
Questions debt consultants ask
What does a dialer cost for a debt settlement company?
Twelve consultants is $116 a month on DialSheet — four three-seat packs — plus roughly $180 of Twilio usage, which is higher than most trades because calls run long. Twelve seats at $129 a user is $1,548 a month.
Are all calls recorded and can we keep them?
Yes. Recording is on by default and files are stored in your own Twilio account rather than ours, so you set retention and keep everything if you ever move. Several states require all-party consent — confirm the rules where you call.
How does DNC suppression work?
Numbers added to the internal Do Not Call list are blocked account-wide before a call connects, permanently. Scrubbing against the national and state registries remains your responsibility.
Can we see what a consultant actually said on a call?
On Pro, recorded calls are transcribed and scored against a script you define, with per-call coaching notes and a compliance percentage per rep on the team leaderboard.
Start dialing free
500 leads and 1 seats at no cost, on your own Twilio account. Pro is $29 a month per 3-seat pack when you outgrow it — never priced per user.
Other debt relief company team sizes
- Dialers for debt settlement & credit repairthe trade overview, any team size
- debt relief company with 10 reps$116/mo software
- debt relief company with 25 reps$261/mo software
- debt relief company with 50 reps$493/mo software
Compare against what you use now
- DialSheet vs Dialpad~$15–25/user/mo · per-seat
- DialSheet vs JustCall~$19–89/user/mo (annual) · per-seat
- DialSheet vs RingCentral~$20–45/user/mo · per-seat
- DialSheet vs CallHub~$25+/user/mo plus usage · per-seat plus credits
Similar trades
- Final expense insuranceAgents calling direct-mail and aged leads to place small whole-life policies.
- Financial advisorsAdvisors prospecting for assets and booking discovery meetings.
- Medicare agentsAgents working Medicare Advantage and supplement leads around the enrollment calendar.
- Mortgage & loan officersLoan officers working rate-driven lead flow and past-client databases.
Guides worth reading next
- What a power dialer actually costs2026 price survey across 10+ tools
- Twilio cold calling costthe wholesale maths behind these numbers
- DNC and TCPA basicsthe regime consumer dialing sits under
- AI call scoring and coachinggrading recorded calls against a script
- Warming up a new numberkeeping answer rates up as volume climbs
- Cold call script templatesscripts new reps can follow on screen