Debt-relief calls sit under three regulators at once: the TCPA, the FTC Telemarketing Sales Rule, and the CFPB. Klariqo turns every debt-relief call on your dialer into a signed, tamper-evident record, scored against your compliance rules, so when a complaint lands you can show exactly what was said, that it wasn't altered, and when.
Debt relief runs on financially distressed consumers and promises that are easy to overstate, which is why the FTC's Telemarketing Sales Rule, the TCPA, and the CFPB all police it. A single TCPA violation is $500 to $1,500 per call, and the TSR's advance-fee and misrepresentation rules carry their own teeth. The exposure isn't only the call you shouldn't have made. It's the call you can't prove went right.
"We'll cut your debt in half" on a recorded line is a misrepresentation claim waiting to happen.
Overstating savings, or how long the program takes, is exactly what the TSR polices.
Sounding like a bank, a government program, or a nonprofit is a deceptive-practices complaint.
The moment a person opts out and the call continues, you have a do-not-call violation on tape.
None of it shows up in a two-call QA sample. It shows up in the one call you never reviewed, in a demand letter.
You already certify the opt-in with TrustedForm or Jornaya. The other half is what your agent actually said on the call, and that half has been a recording no one can prove wasn't edited. Klariqo closes the chain.
TrustedForm and Jornaya prove the lead consented and the disclosure they saw.
A Klariqo Call Record (KCR) proves what your agent actually said once the phone connected, signed and tamper-evident.
The opt-in is certified at the form. The conversation is proven at the call. Together, you can defend the whole interaction.
You define the scorecard for your debt-relief campaigns. Klariqo scores every call against it and flags the moment with the exact transcript line. A typical debt-relief scorecard catches:
An agent guaranteeing debt reduction.
An agent misrepresenting fees or savings.
An agent implying a bank or government affiliation.
An agent quoting an advance fee the TSR prohibits, or ignoring an opt-out.
When something slips, you find it the day it happens. When an agent did it right, you can prove that too.
The call ends and Klariqo seals it as a vCon: transcript, a SHA-512 fingerprint of the audio, and the exact time, under a digital signature. Change one byte and the seal breaks.
Every call is scored against your debt-relief scorecard, not a sample, each flag pinned to the transcript line that triggered it.
Drop any call into the public verifier and confirm, in your browser, that it's intact and which key signed it.
Klariqo plugs into VICIdial natively, in about ten minutes. Your agents and your campaigns stay exactly as they are. The signed records just start showing up.
Bring your dialer. We'll show you an audit-ready record of your debt-relief calls, and you can verify one yourself.