Pros
-Work from home -Training Bonus
Cons
If you don’t come out the gates swinging it’s sink or swim. Their “training” is absolute garbage after the first week. It is so boring after you pass your first role play. You literally just sit there and deal with a trainer who cannot maintain control of the class and will even go along with the class clown and keep from being productive on learning the industry. After that you just regurgitate all the info from week one which is very straightforward and easy to learn but then after three weeks of repeating something so simple it starts to become useless. Think Law of Diminishing Returns you first take the info learn it then let it sink in and you would eventually put it into play to apply it but nope training is just a bunch of goofing off. This company is so cheap with their technology they use Salesforce/Bedrock it is absolute garbage for being the “LaRgEsT DeBt ConSoLiDaTiOn CoMpAnY iN ThE US” which is a huge load of BS. Most of the people you speak to have never ever heard of the company and think you’re a scammer. Then you have to sometimes fight them to pull credit so you hit “confirm” contact and guess what happens *BOOM* duplicate lead and now the system won’t let you proceed so you have to get a mgr to assign a new lead to you meanwhile the customer is just waiting there with you for 5-10mins and then the higher ups will just be like “just set a call back” and if you’ve ever been in phone sales before you know letting a client off the phone is a big no no because chances of getting them back on the phone are slim to none. The company will feed you a bunch of garbage penny leads from marketing companies that target financially illiterate people who click on clickbait such as “Find out how I put $7500 in my pocket today and took care of all my debt!” Or people with <600 FICO looking for cash loans (which we don’t offer) on Loansforbadcredit.com or whatever the website is called. Basically the job is to bait & switch people and they call it “Loan Flipping” and if you can’t do that this company will put you on a performance plan and kick you to the curb when you don’t meet their metrics that not only are inaccurate due to all the IT and poor tech issues but also for things outside your control such as not dispositioning a lead that is looking for cash correctly so you don’t get hit for it. (Metrics also affect your pay) My favorite part was having a time limit of 1:30 seconds to determine if I want to waste my time on a garbage lead who wants something we’re not able to offer such as a consolidation loan which is just a facade I’ve only had 1 person get approved for the loan and they accepted it and I didn’t even get paid for it but yeah you have about 1:30 to get the client off the phone if they’re looking for cash for rent, utility bills, moving expenses, etc all but you have to do it in a nice way and can’t hang up on them otherwise they’ll fire you if you hang up on clients even though they tell you to get this people off the phone. Basically this company is garbage you’re better off working for Freedom or National you know the actual big players in the game not this Wish.com version of those companies. Leads are garbage when you’re in General or GeneralA queue unless you know someone or get lucky enough to get to the promised land which is Group2 where you get straight lay downs all day everyday which is what all the “top producers” get funneled and praised for even though it’s so easy it’s clearly favoritism and all a facade because they make the most money of those who actually work their butts off and close the crap penny leads which can be down but it takes 100 outbounds to find someone who is slightly interested. In other words you can close deals daily but if your E/Q is below 30% you’re done and keep in mind these penny leads a majority don’t qualify nor have they been around the block yet to know that they don’t have other options and you have to bait and switch them and hope they’re desperate enough to finally say yes to debt settlement