The Debt Team wants to welcome you!

** You may work anytime between the hours of 10:30AM -7:45PM EST Monday-Friday. 20
hours required for the work week (Mon-Fri). You must sign in 2 hours at a time. You are
required to provide your weekly schedule to your manager no later than the 2nd day of training.

** Customers went online and filled out a form in order to receive a call. You will pre qualify the
customer and then transfer them to a debt consultant. Every lead is a strong lead!

** You must have a Windows 7 or newer or MAC device, USB headset and a high speed internet
connection. A SATELLITE CONNECTION NOR HOTSPOT WILL NOT WORK. Also, it is
required of you to have a quiet place to take calls. There should be no distractions or background
noise.

** You will receive a 1099 IRS form at the end of each year. When the hiring process is
completed, you will receive an I-9 that will need to be filled out and returned with a copy of the
1 form of identification, and we will need your banking information. If you have any questions
about these items, they need to be directed to Jessica at [email protected]. Her
hours are Mon-Fri 9AM-4PM eastern.

** All tapes will be checked to ensure proper procedures are being followed. It is important to
read your script and rebuttals how they are written. We also expect all representatives to treat all
customers with respect and integrity. Failure to do so will result in termination.

**If you are unable to complete both days of training consecutively, you will have to re-apply.
This also applies if something happens during training and you drop off the meeting. We are not
allowed to let anyone back into the meeting due to being unsure of what material you are
missing. Training is very important and there are no exceptions.

Pay

** Pay is paid out every business day and you can expect to have it 48 BUSINESS hours after
it has been SENT. For Friday sales are paid on Monday.​
​
** If you earn game money, it is only paid out on Monday of the following week and it is only
sent if you have a minimum of $20 being sent that day.​
​
$20 per transfer that stays on the phone with a debt specialist for 10 minutes (Upside Legal )

$20 for credit if they purchase their services (Credit Pros, Credit Repairmen, Credit Captain)

This means your job is to get the customer to understand the importance of why they should get
debt help. It's not what you say, but how you say it.
1
 Debt Script

Outbound(1 beep)

Hi [[First Name]] ? Hi [[First Name]] this is __________ on a recorded line with

CashCenter.ai. I show you are looking for a personal loan and credit info, is that right?​
​
Inbound(blue dot) 2 beeps

CashCenter.ai this is ________. (Pause for the customer's response.) Is this [[Customers
name]] ? [[Customers name]], I am so glad you called me back. This is ______ on a
recorded line and the reason for my call is that I show you are looking for a personal
loan. Is that right?

Great! Let me see if I can help you find what you are looking for. First, I’m going to
email you a list of links to our personal loan lenders that might be helpful to you. Just to
confirm, your email is [[{Email}]] Correct?

[[{Send Loan Email}]] (Click once and continue)

Now. I have a few questions so I can point you in the right direction to find what you are
looking for. Sound fair enough?

●​ First, What is the loan amount you are looking for?

○​ [If not looking for a loan] What was your reason for checking credit?
●​ What would you say is a rough estimate of your household’s monthly income?
(If under $2,000: "Oh, I meant the total combined income of everyone in
your home.")
●​ Do you have an active bank account and use credit or debit cards?

2
Low Debt
OK, and could you give me an idea of the total debt you’re currently facing from all of
your Credit Cards, Payday Loans, Personal Loans, Medical Bills, Department Store
Cards and Judgements? This will help us figure out the best way to assist you.
​

If they answer with debt that is $3,000 or more:​

On a scale from 1 to 10, how much do you think your credit score is holding you back
from getting a loan?
(Select from the drop down and then choose the correct button: you must follow the
correct path UNLESS it is unavailable due to the state.)

Upside Legal-$3,000

$3k or more in collections

Since you have [[Debt in Collections]] in qualified debt, and based on your current
situation, there’s a great option to help you get out from under those monthly payments
and start fresh.

We’re partnered with Upside Legal/Relief Now, a company that specializes in getting
people out of debt. Here’s how it works: they create a personalized plan tailored to your
unique financial situation by combining all of your credit cards and unsecured debts into
one very affordable monthly payment. They’ll negotiate directly with your creditors to
settle your debt for less than the full balance, so you end up paying back only a portion of
what you owe.

Their team has helped thousands of Americans reduce high monthly payments, eliminate
overwhelming interest, and avoid bankruptcy—making it easier to manage debt and
regain financial control. They’ll even provide you with ongoing support and guidance, so
you feel confident in reaching your financial goals.

And just to clarify, this isn’t about taking out a new loan. It’s a strategy to manage and
reduce the debt you already have, helping you save time and money while giving you a
clear path toward financial freedom. Sound fair enough?

3
Great! I’ll transfer you to a specialist from Upside Legal/Relief Now who can walk you
through the next steps and answer any questions you have about the process.

Hold on one moment while I connect us.

LOGIC / ROUTING
If Yes, initiate the call transfer to Upside.

If no, after using rebuttal 23, go to Earnin

If under 3K in Collections (no debt)

Are you aware of any negative items or anything preventing you from qualifying for an
auto, home, or personal loan?

(If Yes:)-continue the call

(If No:) Do you know your current credit score?

(If Over 650: Not Qualified)-Go to Earnin

Now, it does seem like credit is holding you back from personal loans as well as
impacting other aspects of your life like auto and home loans. So, I would like to help
you take the first step by getting you on the line with a credit consultant at Credit
Captain/Credit Pros to see what they can do to help you out with your credit. They
may have the ability to work to remove and dispute any inaccurate negative items on
your credit history as well as strategies to build your credit which is a major part of what
lenders look for when approving a loan request.

Again, working on your credit may be the single most important step for long term
financial success. Current and future lenders may need to see your willingness to
4
address your credit and working with The Credit Repairmen/Credit Pros is a great way
to do that.

Now [[First Name]] , of course, we can’t guarantee you a higher credit score or that
you will get any specific loan. However, clients normally see results quickly, so make
sure that you are following the proper steps to improve your score. Are you good if I go
ahead and connect you now for that free credit consultation?

Ok, stay on the line and I’ll introduce you once we are connected.

If no to Credit Repair, after using rebuttal go to Earnin

Personal Loan and Earnin

Now [[First Name]] , I’ve already sent you a link so could you check your email to see if
it came through? It will be coming from CashCenter.ai.

[IF THEY DON’T SEE IT] - If you don’t see it in your inbox, please check your spam
folder.

[IF THEY SEE IT] -Now, go to the email and you will see two links. Click on the first
link to take you to CashCenter.ai. It is our website that presents our hand-picked personal
loan offers for our customers. There are usually three loan offers, and we encourage our
customers to apply for all three. They make the approval decisions based on your
information as of today, so even if you didn’t get approved yesterday, today’s result might
be different. But first, go ahead and click the second link.

This link will take you to Earnin. With Earnin you can access up to $750 of your
paycheck early per pay period, and today you should get instant access to $150 dollars
after your account is set up.

This step only takes a minute so go ahead and click the Earnin link and it will walk you
through verification.

Just let me know when you get to the page where you submit your first and last name. I'll
be here if you need any help. (Once they are to the page where they enter their name)

5
Go ahead and enter your name and then click continue. (This will bring them to a page
that says "Link the account".)

(Earnin will ask them if they currently have a job and then verify their email and phone
number. Lastly, it will ask them for their first and last name. After that they put their
name in it and ask them to link their account. At this point continue with the script)

Great! The last step is to connect your account. After you have done that you can come
back to the CashCenter.ai tab to apply for your loan.

Thanks for your time and have a great day.

6
(No dead air while waiting. Make sure you have at least 30 seconds of convo
BEFORE pressing the green transfer button. Keep the customer engaged and build
a friendly rapport with them. This keeps them engaged and relaxes them.)
​
​
Examples of Conversation Starters
1. What are you having for dinner?​
2. What weekend plans do you have?​
3. Do you have any pets? How many do you have? What are their names? Talk
about your pets or what pet you would like to have.
4. What sports do you like?​

Convos should not be about the weather, politics, religion, their credit/debt/loan, the
wait for the consultant, or how their day is going.​

(When you hear the beep say)-Here’s our call. Let me introduce you.

Transfer Handoff:

Hello. This is _____ with CashCenter.ai. I have [[First Name]] [[Last Name]] on the
line. [[First Name]] has __________ in qualified debt and is interested in His/Her debt
relief options. I feel He/She is a great candidate to speak with you about how your
program works and to determine if it's a good fit.

Now [[First Name]] , I’m going to drop off the line for your privacy. It was a pleasure
speaking with you. Have a great day!​

(Read phone number as XXX-XXX-XXXX)

Click “Leave Conference call”. Great Job! If you can get someone on the phone within 5
mins of getting off a transfer your chance of transferring that customer goes up 50%!!!
So, disposition your call asap!!!

7
Hours- They are only open Monday thru Friday currently

Upside Legal- 10:30AM-8PM (Deals with Unsecured debt of $3k+)

Relief Now- 10:30-7PM (Lunch from 2-3)

​
Credit Pros- 9:30AM-9PM

8
Dispositions
Not interested- Only used when the customer says they are not interested, you ask
probing questions to understand their situation and use all the rebuttals you can, and the
customer is still not interested.,IF THEY SAY THEY ARE NOT INTERESTED AND
HANG UP

Does not qualify - Does not have credit card/debit card, bank account, does not have at
least $2,000 in monthly income, is not at least 18 years of age, does not speak English,
they have a translator, bankruptcy not discharged for at least 6 months, if they are
currently working with a debt/credit company, if they do not have a social security
number, in a state that can’t be transferred

Wrong number - Used when the person who answers the phone says you have the
wrong number.

Response- Oh I apologize. I must have reached the wrong person, but I would like
to see if our program can be of benefit to you as well. Would you be interested in
financial freedom?

Do not call - When the customer says do not call me, stop calling me, put me on the do
not call list.

Answering Machine - Any voicemail or answering machine. Also, when you do not hear
a customer on the other end of the line at the beginning of the call. Make sure you wait
15 seconds and say hello three times before disconnecting. If the call is a robo-call, such
as Google Assistant or RoboKiller.​
​
Callback later - Anytime the customer is busy or says they can’t talk at the moment.
Also, anytime the call is disconnected during the script except the transfer.. WHEN IN
DOUBT, ALWAYS DISPO AS CALL BACK LATER.

Scheduled callback - If the customer is driving and can't talk at the moment or just gives
you a later date to call them back. If the customer is not ready/browsing, schedule them a
callback for the future.

Hang up in transfer - When the customer disconnects while you are in the process of
transferring.

Credit Pros Transfer-When you transfer to Credit Pros..

Upside Legal Transfer- When you transfer to Upside Legal

Tax Relief Advocates-When you transfer to Tax Relief Squad

9
Rebuttals
1. Any time they say not interested-
What’s changed since you filled out the form?​
Do you have any debt? How much debt do you currently have?

2. Im busy -
Okay, this will only take a few minutes.
I understand, but I want to get you on the path to speaking with a debt specialist so
you won’t receive any more calls from us.

3. I did not complete a form-

So, you did not complete a form to be assisted with your credit or debt concerns?
​ If they say they did: continue with script

If they say no they did not: Do you have any credit or debt concerns?
​ If yes- Okay. I want to tell you about our program…​
​ ​ If no- I understand. Thanks for your time and have a great day.

4. Wrong number
-Oh I apologize. I must have reached the wrong person, but I would like to see if
our program can be of benefit to you as well. Would you be interested in financial
freedom?

5. Where did you get my info from?

-We received your information through one of our partner sites. Let me explain to
you how our program works….

6. I have bad credit

I understand. The purpose of this call is to help point you in the right direction to
see what options are available to you.

7. Is there a fee for this? -

This is case by case based on your situation and the specialist will come up with a
plan for you.
8. Im looking for money today -
I understand. I have a few questions to help point you in the right direction.

10
9. I do not have any debt -
Do you have any credit cards with balances? Do you have any payday loans or
personal loans?
Yes-Based on what you told me they may be able to help you out.

No-There may be some things you are not aware of.

10. I’m already in a debt or credit program-

Have you signed a contract with them? Or agreement ?
If YES: then explain they could contact us in the future If NO: then you can
continue with the script.

11. Are you even offering a loan

We are trying to offer some other options to help you reach your goal and
hopefully free up some money for you. You will also receive an email with some
other great resources to check out after our call.

12. I only signed up for a house/car/loan

I understand. Are you aware of any debt or credit concerns that may keep you from
going forward in your search?
If Yes: continue with script If No: I understand. Thanks for your time and
have a great day.

13. Lead asks where are you located-

We are based in California. (Only if they ask what city -Goleta.) 6950 Hollister
Ave Suite 140 Goleta, CA

14. Bankruptcy-Chapter 7/Chapter 13

Has your bankruptcy been discharged for at least 6 months?
If yes: Pick up in the script where you left off. (We can transfer them as long
as they aren’t currently in bankruptcy.)​
​ If no: Call us back when you have been discharged for 6 months. Thanks for
your time. Have a great day. (NOT QUALIFIED)
15. Is this a scam?​
Absolutely not. The companies we partner with are the best in class and have been
helping people for years.

11
16. The customer asks specific debt/credit questions​
That's a great question to speak to the specialist about when you are transferred.​
​
17. What's your job/how can you help me​
I help get you pre-qualified to speak to a debt/credit specialist….

18. Customer isn’t receiving email

1.Ask the customer to check their spam folder
2. Check the spelling of the email and try to process it again
3. Say- “I can send it to your other email. What is your other email?”
4. If there is no other email or they still can’t find it say “Maybe it's lagging.
Make sure to check your email in a few minutes. Thanks for your time. Have
a great day.
​
19.If customer is already a member of Earnin​
Don’t forget to go back to cashcenter.ai to apply for your loan.

20. I need a bigger value/more money than that(Earnin)​

I understand. Don’t forget to go back to cashcenter.ai to apply for your loan.​
​
21. Questions/Concerns about Soft Pull​
Its a soft pull which doesn’t affect your score.

22. Customer still doesn’t want to do earnin​

I understand. Don’t forget to go back to cashcenter.ai to apply for your loan.

23. If customer doesn’t want to speak to a debt specialist after being qualified
I understand. Speaking to a specialist can give you the clarity you need and the
opportunity to help you free up more money now. Does building your financial
future and putting more money in your pocket sound good to you? Now, this isn’t
about taking out a new loan but a strategy to help and reduce the debt you already
have. Sound fair enough? Hold on one moment while I get us connected.

24. Why are you calling from this number?

We have a contract with our phone company that switches it to a local number…

12
25. Refuse transfer for any other reason for credit repair
I know you are a bit hesitant right now but let me remind you its a FREE
consultation and there is no obligation. Having a good credit score can benefit you
in many ways like getting lower interest rates with higher limits and more
negotiating power. What I’m going to do is get you this free consultation today, so
you can start repairing your credit and get all these benefits to start securing your
financial future. So, are you good if I connect you now?

26. I don’t want to fix my credit now

I understand why you might think that but if bad credit is a concern, its going to
affect you regardless of whether you want to buy a home, car, or try to get a
personal loan. So you want to start working on it either way. At least if you’re
working on your credit now, it sets you apart from other people with similar credit.
(Continue script)

Not interested after all relevant rebuttals have been used

I understand. Thanks for your time and have a great day.

13
 Things to know

1.​ Translator response/Someone wanting to speak on their behalf

Is (customer name) there?
If yes, continue the call with the customer.
If no: We will try them back later.​
​
They use a translator: I understand. Thanks for your time and have a great
day. (NOT QUALIFIED)

2.​ Spanish Speaking

We currently do not have any spanish speaking reps at this time. Thanks for
your time and have a great day. (NOT QUALIFIED)

3.​ No info on the screen

This is _______ on a recorded line with cashcenter.ai. The reason for the call
is that we show you are looking for a personal loan. Is that right? Great!
Who do I have the pleasure of speaking with?​
​
​ Type their name into Convoso and continue with the script.

4.​ What to do when the transfer doesn’t go through.​

1. Do not bring this to the customers attention. Keep them engaged and their mind
off the wait.​
2. Click the red x on the second line or if the second line disappears-disregard​
3. Close the box​
4. Press the green transfer button again. Do this as many times as needed until you
get a specialist.

5.​ If the customer gets disconnected while in the transfer

1.​ If the consultant has came on the line let them know you lost the customer
and you will call back.
2.​ If you do not get the option to reconnect-Go on not ready, dispo as hang up
in transfer, go to the contact tab and click the green phone button to call the
customer back.
3.​ If they answer, make sure to say on a recorded line again and pick up where
you left off.

14
6. I do not have a social security number.​
I understand. At this time that is one of the qualifications. Feel free to reach back
out if you are able to get one. Thanks for your time and have a great day. (NOT
QUALIFIED)

*We do not own the debt consultants (ex: our consultant/specialist)

*The debt consultants do not help them get a loan
*We do not help them get a loan
*Do not guarantee them that they will get a loan
*We cannot use the debt values they give for Child Support, Student Loans, or
CAR LOANS.--the consultants can’t assist with them so we can’t include it in
their debt amount totals.​
*The customers MUST HAVE the right debt amount for the transfer and you
can only transfer them to the company that deals with that debt amount/type.

15
ADDITIONAL THINGS TO KNOW

●​ To log into Convoso you must have Google Chrome. Go to agent.convoso.com

●​ If you are in Tabitha’s class: your login is [email protected] (4 digit agent ID number goes
in the blank)
●​ If you are in Nakesha’s class: your login is [email protected] (4 digit agent ID number goes
in the blank)
●​
●​ *Password is (first name, last name, last 2 digits of agent ID and !--First letter is
capitalized and there are no spaces)​
​
**When logging into Convoso for the first time, it will prompt you to enter an email
to authenticate you. Use your personal email address. This must be a gmail or
hotmail email address.​
​
**When logging in, if it says user unassigned or no shared license,
simply log out and back in.

●​ TECH ISSUES: REACH OUT TO MANAGER FIRST!!​

CONTACT OUR TECH GUY (JUSTIN)​
When contacting him include your first & last name, agent ID or manager in charge, a
description of the issue. If you are out of the US you need to be using whatsapp to be
messaged. The whatsapp number to contact is 1(936 )244-9158.
If in the US, text that same number.​
Tech is open the following hours:
​
ARTO Windows Technical Support Guide ​
ARTO Windows Technical Support Guide

ARTO Mac Technical Support Guide

ARTO Mac Technical Support Guide

ARTO Chromebook Technical Support Guide

ARTO Chromebook Technical Support Guide

16
Phoenix Lead Company LLC

Cashcenter.ai Agent Compliance Agreement

This Agent Compliance Agreement ("Agreement") is entered into between Phoenix

Lead Company LLC, hereinafter referred to as "the Company," and
_____________________, hereinafter referred to as "the Agent," collectively
referred to as "the Parties."

WHEREAS, the Agent is contracted by the Company to perform services as a call

center telesales agent; and WHEREAS, the Agent provides identifying information
including but not limited to name, address, government-issued identifier card
(“Agent Info”)

; and WHEREAS, the Company manages a telephone call center and provides
training and specific scripts, rebuttal scripts, and written instructions (collectively
“Agent Material”) to Agents for the purpose of delivering compliant, consistent
service to customers; and WHEREAS, the Company utilizes an AI-driven Quality
Assurance (“QA”) system to monitor and assess the Agent’s compliance with the
provided Agent Material; and WHEREAS, the Parties agree that any
non-compliance with the Company's Agent Material may lead to detrimental
consequences for the Company, including legal damages, reputational harm and
financial losses;

NOW, THEREFORE, in consideration of the mutual covenants and promises

contained herein, the Parties agree as follows:

Agent's Obligations 1.1 Compliance with Instructions: The Agent will follow the
scripts and instructions in the Agent Material provided by the Company. The Agent
shall not say or imply anything about the service that is not included in the provided
materials.

1.2 AI-Driven QA Monitoring: The Agent acknowledges and agrees that their
compliance with the Company's Agent Material may be monitored using an
AI-driven Quality Assurance system. The Agent consents to the collection and
analysis of their Agent Info, calls, emails, performance metrics, and any other
relevant data by the Company for any and all purposes it deems necessary.

1.3 Examples of Violations: In addition to section

1.1 above, the following actions hereinbelow (“Violations”) constitute violations of

this Agreement and the Company’s policies. The Agent agrees to avoid committing
any of the Violations during any interaction with the customer, whether the Agent is
17
reading the script or responding to a customer’s question; or sending or replying to
emails. Furthermore, the Agent understands that the Company may add to or make
changes to this Violations list at its sole discretion, provided the Company notifies
the Agent by email.

A. Failure to announce company name and "on a recorded line" at the beginning of
each call. (Initials _______)

B. Insinuating that the Company owns or directly provides loans of any kind or that
the Company qualifies or approves for any loans or programs (Initials _______).

C. Assuring, assessing or insinuating any probability of the customer getting a loan,

savings on debts or qualifying for any loans or program (Initials _______)

D. Misleading the customer about what debt consolidation or credit repair can do
for them. (Initials _______)

E. Misleading consumer on price of services. (Initials _______)

F. Guaranteeing any results whether from services or getting a personal loan.

(Initials _______)

G. Displaying disrespect or rudeness towards a customer. (Initials _______)

H. Repeated failure to disposition calls accurately. (Initials _______)

Consequences of Non-Compliance 2.1 Penalties for Violations:

If the Agent breaks any of the rules in Sections 1.1 and 1.3, they will lose their
commission for one (1) signup. The exact amount will depend on the current
commission structure. (Initials _______)

2.2 Termination: If the Agent breaks the same rule again within 30 days, or breaks
any three (3) rules during any 12 month period, they will be terminated
immediately. Furthermore, the Agent shall forfeit their commission for three (3)
signups for each broken rule. (Initials _______)

2.3 Company's Discretion: The Company reserves the right to determine, at its sole
discretion, whether an agent's actions or statements constitute a violation of this
Compliance Agreement. The Company's decision shall be final and binding.
Governing Law and Jurisdiction

3.1 Governing Law: This Agreement shall be governed by and construed in

accordance with the laws of State of Colorado. Any disputes arising out of or in
connection with this agreement shall be subject to the exclusive jurisdiction of the
courts of Arizona. IN WITNESS WHEREOF, the Parties hereto have executed this
Agent Compliance Agreement as of the date first written below. Phoenix Lead
Company LLC By: Heather Heisler Title: Sales Manager ______________________
Agent Name: Date: Government Issued ID #:
18