CRM for Debt Help, Credit Repair & Financial Coaches | IN ONE CRM
CRM for debt help & credit repair

Run Debt Help Programmes
With Zero Loose Ends.

IN ONE gives debt help teams, credit repair firms and financial coaches a single hub for leads, assessments, documents, plans, instalments and score reviews – with every touchpoint tracked.

See a Debt Help Workflow
From first WhatsApp enquiry to “congrats, your score improved” – all on one client spine.
Who we built this for

One system for debt help, credit repair and coaching.

The programmes differ, but the backbone is the same: structured steps, trusted communication, and clear promises on both sides.

Debt help firms
Score-fix, debt restructuring & relief services.

Manage high-volume programmes with confidence: from intake to score review, every action is tracked and repeatable.

  • Lead capture from ads, landing pages and WhatsApp.
  • Assessment scripts and affordability checks in one place.
  • Plan steps and promises logged on the client timeline.
Credit repair & consolidation
Document-heavy, workflow-heavy teams.

Stop drowning in loose emails and spreadsheets. Use IN ONE to drive document collection, follow-ups and bureau interactions from a single hub.

  • Smart document requests with auto-reminders.
  • Templates for bureau disputes and creditor letters.
  • Case status visible by client, creditor and outcome.
Financial coaches
Coaching programmes and money clinics.

Keep clients on track with structured check-ins, tasks and milestones – without losing the human relationship.

  • Programmes, sessions and homework tasks in one view.
  • WhatsApp check-ins tied to clear goals and dates.
  • Notes and wins logged for reviews, referrals and upsells.
Client journey

From “I’m drowning” to “I can breathe again” – as one workflow.

IN ONE maps the real debt help journey: not just a “deal pipeline”, but a series of steps your team and client walk together – with structure, safeguards and clear outcomes.

How a debt help programme behaves inside IN ONE

Every stage becomes a workflow with owners, automations and audit trails. The sequence is flexible, but the logic is always clear.

Lead
Enquiry from ad, referral or website captured into CRM.
Assessment
Affordability & fact-find via script and smart form.
Documents
ID, payslips, statements requested, uploaded and ticked off.
Plan
Monthly instalment, dates and commitments agreed.
Instalments
Reminders, nudges and missed-payment flows handled.
Score review
Check-in after X months; celebrate wins, adjust where needed.

Because every step writes to the client spine, anyone on your team can open a record and see the full story: what was promised, what was paid, what’s outstanding, and what happens next.

Workflows your niche loves

Structured, human workflows – not spammy bots.

Debt clients need calm, clarity and trust. IN ONE automates the admin and follow-through, while keeping real humans in the right places.

Documents & KYC
Collect the right docs without chasing blindly.

Smart document flows save your team hours and reduce the back-and-forth that frustrates clients.

  • Send tailored doc requests based on client type and product.
  • WhatsApp/email reminders for “missing” or “expiring” documents.
  • Upload links that attach files directly to the client record.
Plans & instalments
Keep every client on their agreed path.

Once a plan is agreed, IN ONE helps you keep it on track – kindly but firmly.

  • Instalment schedules visible per client, cohort and programme.
  • WhatsApp/SMS nudges before due dates, not after missed payments.
  • Escalation flows for “at risk” clients with human review.
Check-ins & reviews
Turn progress into retention and referrals.

Use automation to support long-term relationships – not replace them.

  • Scheduled “how are you coping?” check-ins at key milestones.
  • Score-review prompts when enough data has changed.
  • Requests for testimonials or referrals once clients see wins.
Governance, POPIA and audit trails built in.

Debt help and credit repair are sensitive. IN ONE is designed so you can show, at any point, what you did, why you did it, and which consents you relied on.

  • Every template, script and workflow versioned – with timestamps and owners.
  • Every important message logged: what was sent, to whom, when and via which channel.
  • Consent, preferences and “do not contact” flags respected by your automations.
  • Clear separation between education, options, and any commitments or promises.
Before vs after IN ONE

Less chaos, more calm – for your team and your clients.

Before IN ONE
  • WhatsApp groups, Excel sheets and inboxes all telling different stories.
  • No single place to see documents, promises, payments and issues.
  • Leads and clients slipping through the cracks when staff are off.
  • Answering complaints and regulator queries by digging through “evidence”.
After IN ONE
  • Every client has one spine: assessment, docs, plan, instalments, notes.
  • Structured reminders and workflows reduce missed steps and confusion.
  • New staff can open a record and instantly see where to pick up.
  • Defending your process is easier – everything is timestamped and traceable.
Questions from debt help teams

IN ONE CRM for debt help, credit repair & coaching.

We already use tools like Debt Winner. Does IN ONE replace them? +
IN ONE is the operational and communication hub. It can sit alongside existing products and processes, giving you one place to manage leads, workflows, documents and messaging. Over time, we can consolidate or integrate where it makes sense.
Is this going to feel like “more admin” for our case managers? +
The goal is the opposite. We design workflows so the work you already do – sending messages, collecting documents, updating plans – automatically keeps the system up to date. Fewer manual spreadsheets, fewer “please update the pipeline” meetings.
What about POPIA, consent and vulnerable clients? +
IN ONE makes it easier to respect consent and act responsibly. You can capture preferences per client, restrict which teams can trigger which messages, and keep a clear trail of everything said and sent – critical when you work with vulnerable people and regulators.
Can we start with one programme or branch only? +
Yes. Many teams start with one product (for example, a specific score-fix plan or coaching programme), prove the workflow, and then roll it out to the rest of the business. We reuse what works instead of re-inventing it each time.

Want to see your debt help workflow running inside IN ONE?

Book a 15-minute session and we’ll walk through your current journey – from lead to score review – and show how IN ONE can turn it into a single, auditable flow for your whole team.

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