If you never got more than 24-28k, you likely still had an analog line.
The economical way to do that was integrated RAS systems like the Livingston Portmaster, Cisco 5x00 seriers, or Ascend Max. Those would take the aggregated digital line, break out the channels, hold multiple DSPs on multiple boards, and have an Ethernet (or sometimes another DS1 or DS3 for more direct uplink) with all those parts communicating inside the same chassis. In theory, though, you could break out the line in one piece of hardware and then have a bunch of firmware modems.
To get 33k6 up (or even just 28k8 - some ISPs had banks of modems that supported one the 56k6 standards but would not support more than 28k8 symmetric) you needed to force your modem to connect using the older symmetric standards.
56k modem standards were asymmetric, the upload rate being half that of the download. In my experience (UK based, calling UK ISPs) 42kbps was usually what I saw, though 46 or even 48k was stable¹ for a while sometimes.
But 42k down was 21k up, so if I was planning to upload anything much I'd set my modem to pretend it as a 36k6 unit: that was more stable and up to that speed things were symmetric (so I got 36k6 up as well as down, better than 24k/23k/21k). I could reliably get a 36k6 link, and it would generally stay up as long as I needed it to.
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[1] sometimes a 48k link would last many minutes then die randomly, forcing my modem to hold back to 42k resulted in much more stable connections
I always avoided WinModems, in part because I used Linux a lot, and recommended friends/family do the same. “but it was cheaper!” was a regular refrain when one didn't work well, and I pulled out the good ol' “I told you so”.
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[1] Big by the standards of the day, not today!
These were almost definitely 8k baud.
"Baud rate" refers to the symbol rate, that is the number of pulses of the analog signal per second. A signal that has two voltage states can convey two bits of information per symbol.
"Bit rate" refers to the amount of digital data conveyed. If there are two states per symbol, then the baud rate and bit rate are equivalent. 56K modems used 7 bits per symbol, so the bit rate was 7x the baud rate.
ISDN essentially moved that line card into the consumer's phone. So ISDN "modems" talked directly digital, and got to 64kbit/s.
56k only allowed one ad/da from provider to customer.
When I was troubleshooting clients, the problem was almost always on the customer side of the demarc with old two line or insane star junctions being the primary source.
You didn’t even get 33k on analog switches, but at least US West and GTE had isdn capable switches backed by at least DS# by the time the commercial internet took off. Lata tariffs in the US killed BRIs for the most part.
T1 CAS was still around but in channel CID etc… didn’t really work for their needs.
33.6k still depended on DS# backhaul, but you could be pots on both sides, 56k depended on only one analog conversion.