Let’s get you to the right place:
I’m an individual looking to resolve accounts.
I'm a lender, debt buyer, collection agency, or collections law firm.
I’m an Advisor looking to advocate on behalf of consumers.
Third-party engagement has long been a friction point in debt settlement. Many lenders and servicers hesitate to collaborate with debt settlement companies or law firms, citing concerns over authorization, compliance, and data security. That hesitation is understandable, but it's also becoming unsustainable.
As consumer reliance on debt settlement grows, the opportunity isn’t to avoid these entities altogether. It’s to structure oversight that enables scale without compromising trust.
Much of the resistance to engaging debt settlement companies or law firms stems from historical inconsistencies: missing power-of-attorney forms, vague documentation, and unclear consumer consent. These issues introduce operational risk and complicate account-level decisions.
But the root problem isn’t necessarily bad actors. Often, it’s the lack of standardized systems to validate and audit the engagement itself. When lenders lack clarity into who is negotiating, with what authority, and on whose behalf, hesitation is a rational response.
The solution isn’t rejection; it’s verification.
To enable structured, compliant collaboration with third-party negotiators, lenders need frameworks that do three things well:
When these structures are in place, oversight becomes scalable. And trust becomes earned, not assumed.