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My start was similar. 55%, as earned, all fully underwritten. No such thing as bought leads. I was assigned a non collecting debt area to work. We were taught to prospect. Class room for a week or so then ride alongs for a month or so. Did not know I could buy leads for about 10 years. Tried it and did not like it. Just ordered a batch of DM and TM FE leads as filler.
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