07/22 cc is 55

Minimal call duration: 90 sec

Call limit: uncapped

Call hours: Monday - Thursday:11am - 11pm 
Friday: 9:30am - 8pm
Saturday 10am - 5pm
Time Zone: EST

Calls sent outside of working hours are not billed

Concurrency cap: 55

11am - 2pm CC is 40
2pm - 6pm CC is 55
6pm - 10 pm CC is 40
10pm - 11pm CC is 20

On Saturdays cc is 25

Call approval/refusal time (hold period): 8 days

GEO: US Nationwide (except OR)

Puerto Rico is not accepted

Repeat callers: repeat callers are not paid

Definition of a qualified call: Callers interested in Debt resolution, with a current source of income. Caller needs to have more than $15K-$20K of unsecured debt. Credit card debt is most desirable. Customers should not be looking for loans or checks. Callers should be interested in A FREE CONSULTATION about possible debt forgiveness through ATTORNEY-BACKED PROGRAM

- Greater than $15,000 in credit card debt or unsecured debt
- Callers must be employed or have income to pay for services.
- Callers need to be able to make monthly payments $250 - $300
- Сallers must be US citizens
- Callers need to be younger than 80y.o
- Сallers should have email address, SSN 

The advertiser CAN take medical debt if medical debt is less than 50% of their total debt amount

Allowed types of traffic: - Social, Native, Paid, Facebook ads, TikTok, Snapchat ads, Instagram ads

Definition of non-qualified call: Non US Consumers; Consumers did not meet Minimum Debt or Income Amount requirement;

Call did not meet Billable Duration requirement; Duplicate calls or lead; Incentivized calls or leads:

Consumers that are already enrolled in a program; Consumers that did not want to speak about debt;

Consumers that did not have debt issues or are not able to pay monthly payments.
Older than 80 y.o

No Secured Debt, No Federal Debt, No Looking for Loan/ check, No Vehicle debt or goverment help

Merchant is not allowed to reject calls

Requirements for the ad creatives:
In the ads it's forbidden to use the phrases "eleminate debt", "forgive debts", "get rid of 100% of debt" and the word eliminar and indulto in terms of debt.
You can use tho:
Eliminar interes
Reducir deuda
Congelar la deuda
Borrar el interes
Erradicar el interes

It's forbidden to use any images of politicians or government meetings to avoid callers who think it's a government program.
Don't use pictures of Banks, name of  Banks, checks.
It's strictly forbidden to mention any Personal loans in the ads.

Creative must contain only 15K debt or more.

Suppression list: https://docs.google.com/spreadsheets/d/1z-1Zd_LJ70bLiMcBYs5KiHOTUZ9_cs5seMni80wsqvo/edit#gid=0

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