Save $100K/month with smarter targeting - how Faraday’s predictive AI agents are reshaping debt settlement

What if you could save over $100,000 every month, just by avoiding outreach to the wrong leads?

That’s exactly what one debt consolidation firm achieved with Faraday. Facing skyrocketing direct mail costs, they came to us looking for a smarter way to reach the right people without blowing their budget on low-intent leads.

To solve their problem, we helped them enrich their lead list with consumer data from the Faraday Identity Graph and built a predictive AI agent to score each lead on likelihood to convert. With this in place, they started suppressing just the bottom 10% of their mailing—a segment they could confidently predict wouldn’t take action.

That small change made a massive impact:

• Over 600,000 fewer mailers sent each month
• $100,000+ in monthly savings
• And an extra $20,000 in revenue thanks to their reps focusing on better leads.

That’s a 10x ROI, without changing the offer or creative. Just smarter targeting.

But here’s the thing, this experience isn’t unique to this client. The debt settlement space is evolving fast. Rising lead costs, stricter compliance requirements, and shifting consumer expectations are pushing companies everywhere to find smarter ways to grow, target, and personalize. That’s where data and AI make all the difference.

Faraday helps companies identify and integrate the data their business needs to anticipate how their customers will behave. Whether you’re trying to maximize the value of your call center, prioritize leads, personalize outreach, or just reduce wasted spend, Faraday’s platform enables you to understand your audience more holistically and to act on accurate, validated predictions rather than just past performance. For you, that means more money, and less hassle.

Core use cases for debt settlement and financial services clients

Comprehensive data services

Nearly every Faraday project begins with data. Our platform enriches your customer or lead records using the Faraday Identity Graph (FIG)—a comprehensive, consented, and privacy-safe dataset covering over 1,500+ attributes on 240 million U.S. adults and their households. These data points include a range of industry relevant indicators like debt load, household composition, mortgage status, and even shopping habits.

Whether you're working with new leads or existing customers, this enrichment process not only fills in the gaps but it also adds new actionable data that ensures you’re ready for AI modeling. This data layer is the foundation for everything that follows. Without it, predictive scoring, segmentation, and personalization simply wouldn’t be possible.

Learn more about our comprehensive data services.

Predict who’s ready to engage

Faraday’s lead prioritization tools help firms move beyond instinct. Using advanced AI, we help brands optimize their lead conversion process by scoring based on their likelihood of converting. This starts the moment a lead identifies themselves—when they first share their contact information—and continues throughout the entire lead-to-customer journey. By enriching each new record with FIG attributes, Faraday also avoids the classic cold-start problem, delivering confident predictions from day one.

Learn more about how we predict who’s ready to engage.

Suppress unqualified or risky leads

Faraday helps teams reduce acquisition costs and improve ROI by identifying leads that are unlikely to convert—or may raise compliance concerns—before any outreach occurs. Suppression models ensure that reps and budgets stay focused on higher-quality prospects. This approach is especially powerful in direct mail, predicting which households are most likely to respond, cuts costs without sacrificing performance.

Learn more about how we suppress unqualified or risky leads.

Segment smarter with behavioral Personas

Faraday’s AI-driven Personas group individuals based on lifestyle, values, and behavior patterns—not just age or income. These insights help with personalization and allow you to tailor messaging, tone, and timing to improve campaign performance across email, phone, SMS, and direct mail.

Learn more about how we segment smarter with behavioral Personas.

Recommend the right product, at the right time

Whether promoting a debt relief offer, a loan product, or financial counseling, Faraday can predict what product someone is most likely to engage with next. This allows teams to match offers to individual needs and improve adoption rates.

Learn more about how we recommend the right product, at the right time.

Get in touch

Whether you’re a large national brand or a smaller operation, Faraday helps make every customer interaction count. Reach out for a personalized walkthrough.