Product walkthrough

A real report, and the person reading it

This is the actual review screen, not a picture of one. The call, the client and the recording are invented; everything else works exactly as it does in the product. Click through at your own pace.

Possible program flip. The client describes a prior consolidation loan through another company. Whether those accounts are being enrolled here is worth confirming.

[4:12] Speaker B (Client): “It was a consolidation loan through another company. Never went anywhere.”

Requirements below are graded as normal. If the client was already enrolled elsewhere, some disclosures — credit impact on accounts already in default, for instance — may not apply the same way. That call is yours.

Marcus Webb

DEMO-4417

Change agent

Aug 10, 2026 · 6:19 · (555) 014-2200 · 20260810-0914_5550142.mp3

FAIL

0:00 / 6:19

Speaker A · 59% talk Speaker B · 41% talk Disclosure covered Auto-fail

1 requirement came back without a verdict from the grader and is counted as not covered. They are marked Not assessed below — re-run the call if you need a determination on it.

Prohibited phrases heard — none count against the agent

heard 1× from the client, 1× disclaimed by the agent

Phrase & quote	At	Speaker	Violation
guaranteed I do want to be clear — none of this is guaranteed.		Speaker A (Agent) disclaimed	Not a violation — the agent is disclaiming a guarantee.
consolidation loan It was a consolidation loan through another company.		Speaker B (Client) client	Spoken by the client about a prior arrangement.

Compliance score

PDF Fails only

71% 5 of 7 items covered

Approval Script 3/4 Post-Enrollment Script 2/3

Marcus Webb covered the credit impact and the fee, and disclaimed a guarantee without being prompted. The cancellation policy was never stated. The client referred to a prior consolidation loan through another company, which is flagged below for review.

Approval Script

3/4 covered

Requirement & evidence	Status	At
Disclose that enrollment may affect credit rating Enrolling in this program may adversely affect your credit rating, and results vary by creditor.	Covered
State the fee as a percentage of enrolled debt Our fee is twenty-two percent of the total enrolled debt.	Covered
State the cancellation policy Not mentioned at any point in the call.	Missing	—
Set expectations on program length Most people are looking at thirty-six to forty-eight months.	Covered

Post-Enrollment Script

2/3 covered

Requirement & evidence	Status	At
Explain what happens to existing accounts Your accounts will go delinquent while we build the settlement fund.	Covered
Confirm the client understands the risk of legal action The grader returned no verdict for this requirement.	Not assessed	—
Confirm the monthly payment amount It's built into the monthly payment — nothing separate.	Covered

Transcript

Follow playback

Speaker A Thanks for holding, Ray. I've got your file up now.

Speaker B Appreciate it. I just want to know what this actually does to me.

Speaker A Of course. Let me take you through it properly before you decide anything.

Speaker A Enrolling in this program may adversely affect your credit rating, and results vary by creditor.

Speaker B That's what I figured. How much is it going to cost me?

Speaker A Our fee is twenty-two percent of the total enrolled debt, and it's built into the monthly payment — nothing separate.

Speaker B Okay. And how long are we talking?

Speaker A Most people are looking at thirty-six to forty-eight months, depending on how quickly the account builds.

Speaker B My brother did something like this and it took longer than they said.

Speaker A That happens. The timeline moves with what the creditors agree to.

Speaker A I do want to be clear — none of this is guaranteed. No one can promise a creditor will settle.

Speaker B Right. So what happens if I stop paying them directly?

Speaker A Your accounts will go delinquent while we build the settlement fund. That's the part that shows up on your credit.

Speaker B And I've already got one of those consolidation things from before.

Speaker B It was a consolidation loan through another company. Never went anywhere.

Speaker A Understood. We'd only enroll the accounts that aren't tied up in that.

Speaker B Alright. What do you need from me?

Speaker A I'll send the agreement over and walk you through the questions.

Speaker A You'll get an email in the next few minutes. Take your time with it.

Your decision

You don't have to touch every requirement. Correct any the grader got wrong above — then record what happens to this call.

← Review queue · Call history

Monday, 9:14am I'm Dana. I review calls for a debt settlement firm — the kind that gets audited. Forty calls landed over the weekend. I used to listen to four of them and hope I picked the right four.
The answer first Every call arrives already graded against our own checklist. This one failed, and I can see that before I've listened to a second of it.
The whole call on one line Speaker A is the agent, Speaker B is the client. Every diamond is a moment the grader found something. I can skip ten seconds at a time, or run it at 2× — these calls are rarely short.
What was said, and when The credit disclosure was made at 0:32. It's not a checkmark — it's the sentence he actually said, with the second it happened. I click the timestamp and hear it.
What wasn't The cancellation policy never came up. No timestamp, because nothing happened to point at. This is the line I'd be asked about in an audit.
And what it wasn't sure about This one came back without a verdict. It's shown separately rather than counted as a miss — the agent shouldn't lose points because the grader was unsure.
Context before judgment The client mentioned a consolidation loan through another company. That isn't a violation, but it changes which disclosures matter — so it's flagged for me rather than decided for me.
Prohibited language, in context Marcus said the word “guaranteed” — while disclaiming a guarantee. The client said “consolidation loan” about his own old account. Neither counts against him, and both are shown so I can check.
When the grader is wrong It does get things wrong. I approve the item and the score recalculates — on this report, and on Marcus's scorecard.
Then I'm done with it I record what happens to the call and it leaves my queue. Signing off doesn't change anyone's score — that's what the overrides are for. Everyone assumes the opposite, so it says so right there.
Forty calls, not four That took me about ninety seconds. The other thirty-nine are waiting, already graded, sorted worst first.