Debt settlement and collection both sit on regulators' front burner, so banks underwrite the money path more than the marketing. Client funds in a proper trust or escrow, licensed states listed, fees taken when the law allows — show that structure and the conversation changes from "no" to "which bank."
Licensed debt-settlement and collection agencies price ~3.9–5.5%, reserve likely at the start, released on written schedule.
State licenses/bonds, trust-account details, TSR-compliant fee timing for settlement, and your call-recording/consent practices.
Every aggregator, most banks. It's a licensed-operators-only vertical — which thins your competition too.