Debt collection tools for AI agents

Every DebtLayer tool with its status (Live, Sandbox or Coming soon), what it does and its price per unit.

• Accord and Satisfaction Check (Live): Got a "paid in full" check for less than the balance? UCC 3-311: discharged, refund-window open, or still owed.
• Account Closeout Check (Live): An account was paid, settled, recalled or discharged. Everything that must happen before you close it.
• ACH Return Rate Monitor (Live): Keep ACH payment returns under the Nacha limits and know which returned payments you may retry.
• ACH Settlement Date Calculator (Live): When does this ACH payment settle, does Same Day ACH apply, and until when can it still be returned?
• Address Candidate Ranker (Live): Which address do you mail? Ranks candidate addresses from skip results and marks each mail, verify first or do not mail.
• Address Standardizer (Live): Put mailing addresses into USPS Publication 28 form and flag PO boxes, military APO/FPO, rural routes, return-mail markers and ZIPs that don't match the state, with a dedupe key.
• Agency Knowledge Assistant (Sandbox): Answer collectors' questions only from your agency's policies and training docs, with citations, and say "I don't have that" when they don't cover it.
• Agency P&L Analyzer (Live): Turn a collection agency's bank or ledger rows into a monthly P&L, margin per client and cost per dollar collected, with client money never counted as revenue and commingling flagged.
• Agent Write Guard (Live): Check the database writes an AI agent wants to run against an allowlist before they run: allowed tables, columns and values, keyed WHERE clauses, no deletes or DDL, row caps.
• AI Calling Campaign Budgeter (Live): Budget an AI voice collections campaign before you turn it on: dials, minutes, voice-vendor and DebtLayer cost, promises, expected collections and ROI.
• Alabama Payday Loan Collection Check (Live): Collecting an Alabama payday loan? Ala. Code 5-18A-12/13: 17.5% fee cap, one rollover, one NSF fee, rights notice and 15 days before suit, no bad-check threats.
• Alabama Small Loan Collection Check (Live): Collecting an Alabama loan under $1,500? Unlicensed lender over 8% (6% unwritten) = void, nothing collectable or retained (5-18-4(d), 8-8-1).
• Alaska Payday Loan Collection Check (Live): Collecting an Alaska payday loan? AS 06.50: $500 limit, $5 + 15% fees, renewal limits, steps before assigning or suing, $30 bad-check fee, no threats.
• APR Calculator (Live): Reg Z Appendix J APR from the amount financed and payment schedule, with a check of the disclosed APR against the TILA tolerances.
• Arizona Consumer Lender Collection Check (Live): Collecting an Arizona loan of $10,000 or less? ARS 6-613: unlicensed = void; licensee over 36%/24% loses everything to $5,000, finance charges above.
• Arkansas 17% Usury Collection Check (Live): Collecting an Arkansas consumer or payday loan? Amend. 89: above 17% (fees count as interest) a non-bank loan is void as to principal and interest.
• ARM Adjustment Notice Check (Live): Adjustable-rate mortgage resetting? Reg Z initial and payment-change notice windows, exemptions, and notices sent too early or too late.
• Benford Anomaly Check (Live): Spot fabricated balances or payments in a debt tape or ledger: Benford first-digit test, repeated amounts and round numbers.
• Best Time to Call (Live): The best hours to reach each consumer, in their own time zone, ranked from your call history and always legal.
• Billing Error Dispute Gate (Live): Credit card billing-error dispute (Reg Z 1026.13): is it covered, what are the deadlines, and can you collect or report the amount?
• Bland Closer — Auto (Coming soon): Auto deficiency / auto loan overlay on the core Bland debt closer
• Bland Closer — Bank Overdraft (Coming soon): Bank and credit union overdraft (charged-off checking) overlay on the core Bland debt closer
• Bland Closer — BNPL (Coming soon): BNPL / buy-now-pay-later overlay on the core Bland debt closer
• Bland Closer — Buy Here Pay Here (Coming soon): Buy-here-pay-here auto overlay on the core Bland debt closer (no kill-switch, GPS or repo threats)
• Bland Closer — Commercial (Coming soon): Commercial (business-purpose) debt overlay with a consumer vs commercial screen on the core Bland debt closer
• Bland Closer — Credit Card (Coming soon): Credit card overlay on the core Bland debt closer
• Bland Closer — Government / Tax (Coming soon): Government, tax and municipal debt overlay on the core Bland debt closer (never impersonates the agency)
• Bland Closer — Medical (Coming soon): Medical/hospital overlay on the core Bland debt closer (FAP/insurance pause)
• Bland Closer — Payday (Coming soon): Payday/short-term loan overlay on the core Bland debt closer (same pathway, payday-safe language)
• Bland Closer — Rent / Landlord (Coming soon): Residential rent and move-out balance overlay on the core Bland debt closer (no eviction or lockout threats)
• Bland Closer — Student (Coming soon): Student loan overlay on the core Bland debt closer
• Bland Closer — Utility (Coming soon): Utility/telecom overlay on the core Bland debt closer (no shutoff threats)
• Bland Debt Closer (core) (Coming soon): Core Bland AI closer for outbound and inbound collection calls
• Broken Promise Recovery Planner (Live): A promise to pay broke. Why it broke and the compliant next step for each account.
• Business Day Calculator (Live): Business-day math that knows federal and Fed/ACH holidays: add or count business days, ACH settlement dates, Reg E stop-payment and notice deadlines, and Reg F mail-receipt and validation-period dates.
• California Financing Law Collection Check (Live): Collecting a California $2,500-$9,999 loan? Fin. Code 22304.5 caps at 36% + fed funds; excess = principal only, willful = void (22750).
• California Payday Loan Collection Check (Live): Collecting a California payday loan? Fin. Code 23036/23037: 15% fee cap, one $15 returned-check fee, no late fees, no Civ. Code 1719 damages, no arrest threats.
• Call → Payment Attribution (Live): See which dialing lane, caller ID and agent preceded payments: collected dollars, match rate and cents per 100 calls.
• Call Center Staffing Calculator (Live): Size an inbound collections queue with Erlang C: agents needed per interval for your service level, scheduled headcount after shrinkage, answer speed and occupancy.
• Call Compliance Audit (Live): Audit a collection call transcript: wrong number, deceased, dispute, attorney, cease, bankruptcy, hostile, missing debt-collector disclosure, third-party disclosure, threats.
• Call Event Normalizer (Live): Turn call webhooks from Twilio, Telnyx, Bland, Vonage, SignalWire and ElevenLabs into one clean outcome per call.
• Call Opener Check (Live): Check the first seconds of a collection call: who you are, who you reached, and what you may say.
• Call QA Scorecard (Live): Grade every collection call (AI voice or human) on 7 areas with a compliance pass/fail, an A-F grade, the one fix that matters most and exact suggested wording.
• Call Recording Consent Check (Live): Recording collection calls across state lines? Know when you need everyone's consent and what to say first.
• Callback Request Scheduler (Live): Turn "call me back tomorrow after 5" into a callback time in the consumer's own time zone, checked against legal calling hours, with the line your agent reads back.
• Caller-ID Pool Health (Live): Per-number delivery health, spam-risk score, status and today's safe call cap for your outbound caller IDs, with new-number warm-up.
• Card APR Increase Check (Live): Collecting a credit card balance after a rate hike? CARD Act APR increase exceptions, 45-day notices, protected balances and the interest overcharge.
• Card Claims & Defenses Check (Live): Cardholder says the merchant never delivered? TILA 170 / Reg Z 1026.12(c): when the dispute stops collection of that charge.
• Card Decline Retry Planner (Live): Should you retry a declined payment-plan card charge, and when? Visa decline categories, Mastercard merchant advice codes and ACH return codes.
• Card Deposit Offset Check (Live): Swept a cardholder's checking to pay the card? Reg Z 1026.12(d): offsets and holds are banned; here are the lawful routes.
• Card Due Date Check (Live): Was that card payment late? Reg Z: same due day each month, 21-day statements, 5 p.m. cut-off, next-business-day mail.
• Card Estate Balance Check (Live): Cardholder died? Reg Z 1026.11(c): the estate balance statement, frozen fees and APR, and the 30-day payoff window.
• Card Fee Limits Check (Live): Credit card fees before you collect them: the first-year 25% cap and the penalty-fee limits, with the amount to strip out.
• Card Over-the-Limit Fee Check (Live): Card balance includes over-limit fees? Reg Z 1026.56: opt-in, one fee per cycle, three-cycle limit, fees the issuer caused.
• Card Payment Allocation Check (Live): Applying a card payment above the minimum? Reg Z 1026.53: highest APR first, deferred-interest balances first in the last two cycles.
• Card Rate Reevaluation Check (Live): Raised a card APR? Reg Z 1026.59: six-month reviews, 45-day rate cuts, and when the duty ends.
• Card Unauthorized Use Check (Live): Card balance includes charges the consumer calls fraud? Reg Z 1026.12(b): the $50 cap and when liability is zero.
• Census Geocode (Live): Geocode a US address to coordinates, county name, and FIPS via the Census Bureau Geocoder.
• CFPB Complaint Search (Live): Search the CFPB Consumer Complaint Database for company and product complaint trends.
• Champion/Challenger Evaluator (Live): Is the new letter, cadence or offer really better? Answers on kept payments, with stop rules.
• Chapter 13 Dividend Estimator (Live): What will a chapter 13 plan actually pay unsecured creditors, and you? Dividend %, your expected recovery and plan red flags.
• Chargeback Collection & Recovery (Live): Recover money lost to chargebacks and card disputes, for merchants, agencies and cardholders: per case the dispute family (Visa, Mastercard, Amex, Discover reason codes), processor / network / pre-arbitration response deadlines, evidence strength and what is missing, representment angles (3-D Secure, Visa Compelling Evidence 3.0, delivery and usage proof, accepted terms, refund proof), the path (represent, accept and recover directly, accept, stop) and compliance-aware friendly-fraud recovery outreach (FDCPA / Reg F, first-party state law or commercial). Cardholder side: Reg Z / Reg E and network windows, liability caps, a dispute letter and escalation steps. Not legal advice.
• Chargeback Evidence Packet (Live): Prepare the response to a card chargeback on a consumer payment: reason-code family, response deadline, the evidence you have and are missing, and fight, partial or accept.
• Check MICR Parser (Live): Parse check MICR lines into routing number, check serial and account last 4; validate the ABA checksum and catch keying mismatches.
• Client Settlement Authority Check (Live): Check each proposed settlement against the client's settlement authority before it is offered: within authority, needs client approval, outside authority or refuse, with the counter-offer that fits.
• CMS Hospital Lookup (Live): Find Medicare-certified hospitals by CCN or name: ownership (nonprofit = IRS 501(r) rules), type and ER status.
• Collection Goal Pacer (Live): Are your collectors on pace for the month? Working days left, run rate, projection with promises, and dollars needed per day.
• Collection letter builder (Sandbox): Receipt, payment plan, settlement, itemization-on-request, paid-in-full and custom letters as HTML and text with the ledger computed in cents, scrubbed free text and the Mini-Miranda. Mailing through Lob switches on with a key and legal approval.
• Collection Note Redactor (Live): Strip SSNs, card numbers, bank and routing numbers, dates of birth, phone numbers, emails, street addresses and licence numbers from collector notes and transcripts, and mask health details.
• Collections Cash Forecast (Live): Week-by-week expected cash from scheduled plan payments and promises to pay, with clearance rates by payment method, a low/high band, and agency fee vs client remittance.
• Collections ROI Analyzer (Live): Cost per dollar collected and ROI by channel (AI voice, calls, texts, email, letters), never overstated.
• Collector ↔ Account Matching (Live): Route each account to the best licensed collector with capacity, with an explainable score. No demographic factors.
• Collector Coach (Sandbox): Creditor briefs, account tactical briefings and inbound-text triage for collectors, with compliant openers and human-approved replies.
• Collector Commission Calculator (Live): Monthly collector commission: tiers, split credit, NSF clawbacks, draws and referral bonuses, in whole cents.
• Collector Performance Scorecard (Live): Fair collector scorecard: contact, promise, kept and dollars-per-hour rates, team rank and coaching notes.
• Collector Training & Role-Play (Sandbox): Train and qualify collectors: synthetic scenarios, AI role-play as the consumer, compliance-first grading, applicant assessment and a daily team tip.
• Colorado Payday Loan Collection Check (Live): Collecting a Colorado payday loan? C.R.S. 5-3.1: 36% cap, one renewal, one $25 returned charge, costs capped at the loan, civil means only, no criminal threats.
• Communication Log Audit (Live): Audit an account's full contact history for Reg F and FDCPA timing and frequency problems: too many calls, calls after a conversation, wrong hours, contact after a stop.
• Complaint Response Tracker (Live): Never miss a CFPB, state or BBB complaint deadline, and catch the dispute or cease request hiding inside it.
• Complaint Root Cause Analyzer (Live): Group your consumer complaints by CFPB debt collection issue, find the root causes, trends and hot spots by collector, channel and state, and get the tools that fix each cause.
• Compliant email delivery (Sandbox): Consumer email through Resend with stop flags, address verification, possible-work-address block, Reg F opt-out and debt-collector disclosure lint, no debt details in subjects, quiet hours and daily caps.
• Connecticut Small Loan Collection Check (Live): Collecting a Connecticut small loan? C.G.S. 36a-558: 36%/25% APR caps, banned terms and fee limits; a non-conforming loan is void, nothing collectable.
• Consent Revocation Parser (Live): Find every stop request in what a consumer wrote or said: TCPA revocations, text/email/call opt-outs, cease letters, attorney notices, disputes and time or place limits.
• Consumer Identity Verification (Live): Verify a caller is the consumer (last 4 of SSN + date of birth) before disclosing anything, with lockout and a signed session.
• Contact Cadence Planner (Live): Plan the next touches for an account across calls, texts, email and letters, with every call checked against Reg F frequency limits, calling hours and state caps.
• Contact Restriction Store (Live): Record and check DNC, cease, attorney, bankruptcy, deceased, dispute, revoked-consent, medium opt-out and wrong-party restrictions before every contact.
• Continuity of Contact Check (Live): Servicing a delinquent mortgage? Reg X continuity of contact: assign-by date, phone and live-response duties, and when it ends.
• CourtListener Case Search (Live): Search CourtListener for public opinions, RECAP filings, or dockets (bankruptcy/litigation context).
• Credit Balance Refund Check (Live): Overpaid or rebated accounts: the Reg Z refund deadlines for credit balances, and which accounts must stop being worked as debts.
• Credit Dispute Tracker (Live): Never miss a credit-reporting dispute deadline: bureau and direct disputes, frivolous notices and the right Metro 2 code.
• Credit Practices Rule Check (Live): FTC Credit Practices Rule for consumer contracts: confessions of judgment, wage assignments, household-goods liens, cosigner notice and late-fee pyramiding.
• Credit Reporting Gate (Live): Check each collection account before furnishing it to the credit bureaus: Reg F passive-reporting rule, FCRA 7-year clock, disputes, identity theft, medical debt and paid/settled updates.
• D.C. Money Lender / 24% Usury Collection Check (Live): Collecting a D.C. loan? 28-3301/3303: above 24% forfeits all interest; $1,000 or less is unenforceable (47-2884.10); unlicensed loans not enforced.
• Debt Itemization Builder (Live): Build the Reg F validation-notice itemization table in exact cents, with validation period dates and checks on fees, interest and the amount you claim.
• Debt Relief Fee Check (Live): Settling with a debt settlement company, or running one? FTC advance-fee ban, the per-debt fee formula and dedicated account rules.
• Debt Tape Completeness Check (Live): Is this debt tape ready to work? Grades every account on Reg F itemization data, DOFD, dates and balance reconciliation.
• Debt Transfer Gate (Live): Screen a debt sale or placement file before it leaves: paid, settled, discharged and identity-theft accounts cannot be sold or placed.
• Debt Type Classifier (Live): Tag every account in a portfolio by debt type (payday, auto, medical, credit card, student, utility, BNPL and more) from just the creditor name, with the right specialty closer to use.
• Delaware Medical Debt Check (Live): Collecting Delaware medical debt? 6 Del. C. ch. 25J: no interest or reporting, banned garnishments, the 120-day wait and appeal holds.
• Delaware Payday Loan Collection Check (Live): Collecting a Delaware payday loan? 5 Del. C. 2235A: void past 5 loans a year, 4 rollovers, 90-day workouts, 5% late charge, no criminal threats.
• Delaware Title Loan Collection Check (Live): Collecting a Delaware title loan? 5 Del. C. 2250-2261: 180-day limit, workout before repo or suit, no interest after repo, no deficiency, no threats.
• Dialer Account Protections Check (Live): Account protections check before dialing mortgage, student loan, bank, card and agency accounts: per account hold / review / ok from the facts on file (foreclosure referral planned before 120 days delinquent or while a complete loss mitigation application is pending, escrow taxes or insurance past due, force-placed insurance without the notices, federal or Parent PLUS loan with a death on file or a private loan cosigner released on the student's death, debit / EFT error claim overdue or without provisional credit, paid or settled account still reported with a balance, card late fee on a payment received by the cutoff or the next business day after a no-mail due date), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Agent Adherence Check (Live): Dialer agent schedule adherence and occupancy check: adherence, occupancy, late logins, early logouts, break and pause time over the allowance, untracked shift time and absent agents per agent and for the team, plus per state row ok / review / fix / exclude.
• Dialer Agent Readiness Check (Live): Before a dialer hands a live call to an agent: is the agent really free (heartbeat, event stream, softphone, idle phone, newest tab)? Picks the longest-idle agent next.
• Dialer Arbitration Clause Check (Live): Arbitration clause check before dialing card, BNPL, auto, installment, telecom and mortgage accounts: per account hold / review / ok from the arbitration facts on file (arbitration pending or award on file, Military Lending Act and mortgage clauses that can't be enforced, clause not documented, opt-out exercised, suit filed while invoking arbitration, consumer fee over the cap, clause added after the account opened, small-claims carve-out), whether the AI closer may mention arbitration at all, with reason codes and the notes your closer must follow.
• Dialer Association Protections Check (Live): Community association protections check before dialing HOA, condo, townhome, co-op and timeshare accounts: per account hold / review / ok from the facts on file (foreclosure planned on a fines-only balance or under the state floor, a fine charged without notice and a hearing, a planned water, utility, gate or parking cutoff, a payment plan the owner asked for and was refused, a lien planned before the required notice period, an open redemption period after an association foreclosure sale) and whether the closer may quote a balance. Billed per account.
• Dialer Bail Bond Protections Check (Live): Bail bond and indemnitor debt check before dialing (unpaid bail bond premiums, premium payment plans, forfeiture judgments, recovery fees, collateral deficiencies): per account hold / review / ok from the facts on file (debt type; payer role; no creditor authority; open disputes; bankruptcy; attorney representation; planned revocation or surrender threats; planned contact with the court, judge, prosecutor or probation officer; forfeiture not ordered or entered; exonerated bonds; collateral held or due back; recovery fees; collateral deficiencies; credit reporting; lawsuits; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Benefit Overpayment Protections Check (Live): Public benefit overpayment check before dialing (unemployment, SNAP / TANF overissuance, Social Security, SSI, VA): per account hold / review / ok from the facts on file (program; determination; no creditor authority; open disputes; bankruptcy; attorney representation; no overpayment notice; pending waiver requests or appeals; open appeal windows; paused recovery; agency-error or fraud findings; penalties or interest on non-fraud overpayments; offsets beyond the program limit; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Benefit Protections Check (Live): Benefit protections check before dialing medical, nursing home, military, bankruptcy, credit-reported and federal accounts: per account hold / review / ok from the facts on file (QMB enrollee billed Medicare deductibles or coinsurance, Medicaid enrollee billed the balance after Medicaid paid, a relative or representative billed personally for a nursing home resident, SCRA 6% cap not applied back to the start of service or the request wrongly refused, co-signer contacted during a Chapter 13 co-debtor stay, disputed debt reported without the dispute flag, federal benefit offset above the 15% / $750 limit or on SSI or VA benefits), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer BNPL EWA Protections Check (Live): Buy-now-pay-later, pay-in-4 and earned wage access check before dialing: per account hold / review / ok from the facts on file (product type; no creditor authority; open disputes; merchant returns or refunds pending; merchant or goods disputes; bankruptcy; attorney representation; non-recourse EWA terms; revoked autopay or payroll-deduction authorization; failed debit attempts; late fees or interest beyond the agreement; acceleration without a clause; credit reporting; lawsuits; payment plans), and whether the closer may contact the consumer, demand payment, retry autopay or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Borrower Rights Check (Live): Borrower rights check before dialing auto, card, mortgage, installment and agency accounts: per account hold / review / ok from the facts on file (claim against the seller with the FTC Holder notice in the contract, card purchase claim against the merchant, rescission notice received or the three-day rescission window still open or extended on a refinance or home equity loan, mortgage notice of error not acknowledged in 5 or answered in 30 business days or with adverse reporting, open information request, waived interest added back after charge-off, contact who is only an authorized user, direct credit report dispute overdue or not reported as disputed), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Bridge Media Check (Live): Dialer bridge media check: for each human-routed call says ok / review / fix, and flags consumers who hung up before reaching an agent, slow offers and bridges (auto and manual answer), bridged calls with no consumer audio or long silent stretches (dead air), slow media, browser autoplay blocks, repeated ICE restarts, failed agent legs, false-human offers and duplicate calls, with floor SLIs (delivery, pre-bridge abandon, latency p95s, dead air, media, originate failures) against targets, stop / page signals and per agent / trunk / job totals.
• Dialer Call History Audit (Live): Dialer call-history / disposition audit: duplicate rows across personal and queue logs, missing or wrong dispositions, stuck in-progress rows, answered 0-second calls, other-day rows and missing recordings, plus clean vs naive contact rate.
• Dialer Call Offer Routing Check (Live): Dialer call offer routing check: per offer ok / review / fix for offers to agents who were not dialable, longer-idle agents passed over, offers after the missed-offer DND threshold, auto-answer misses and slow answers, plus per agent accept rate, miss streaks and DND-due flags.
• Dialer Call Quota Spread Check (Live): Dialer call quota spread check: ranks leads so the next attempts land in time-of-day sessions not tried in the last 7 days, and holds any lead at its 7-in-7 cap, daily cap, session cap or minimum gap, outside the local calling window or marked do-not-call, with each lead's next allowed time.
• Dialer Call State Check (Live): Dialer call-state check: replays each call's state events along the dialer call-state graph and returns per call ok / review / fix for late events that tried to revive a finished call, machine calls routed to an agent, AMD skipped, other invalid transitions, compare-and-set mismatches, duplicates, out-of-order events, re-queue loops and flapping, plus the wedged live calls to sweep to stale.
• Dialer Callback Book Check (Live): Dialer callback book check: reads the scheduled-callback book and returns per callback keep / dial now / close / reassign / release to the floor / rebalance for called rows never closed, duplicate callbacks on one lead, user-only callbacks whose owner left, live callbacks nobody took, aged callbacks never dialed and times booked before the row existed, plus a bulk move plan and the close list.
• Dialer Callback Queue Check (Live): Scheduled callback queue check: owner first, longest-idle floor fallback, bounded reschedules to the next staffed slot, stuck claims and missed reasons.
• Dialer CDR Sync Check (Live): Dialer CDR sync check: for each dialer provider in each nightly call-detail-record run says ok / review / fix, and flags failed exports, header-only exports with no documented zero, CSV date lag, exports run before the day closed, failed or partial phone updates, call history that does not reconcile with distinct phones, duplicate uploads, stale state and missing providers, with a per run full_success / partial / failed outcome and per provider totals.
• Dialer Coach Card Check (Live): Live coaching card check: cards on the wrong call or after hang-up, too many on screen, repeats, late or duplicate Helped / Dismiss feedback, unreviewed rebuttals, plus a per-objection coaching scorecard.
• Dialer Coerced Debt Protections Check (Live): Coerced debt and survivor safety check before dialing consumers who say an abusive partner or family member forced, pressured or tricked them into a debt, on card, auto, personal loan, utility, telecom, medical, BNPL, payday and overdraft accounts: per account hold / review / ok from the facts on file (no assignment or placement from the creditor; open disputes; documented coerced debt claims; state coerced debt laws; identity theft reports; phones or emails shared with the alleged abuser; protective orders; address confidentiality program participants; the alleged abuser as co-obligor; safe-channel requests; credit reporting and debt sales on claimed accounts) and whether the closer may quote a balance. Not legal advice.
• Dialer Collateral Protections Check (Live): Collateral protections check before dialing card, finance, mortgage, rent, auto and merchandise accounts: per account hold / review / ok from the facts on file (card balance taken from a deposit account without written autopay authorization, household goods under a non-purchase-money security interest, charged-off mortgage billed interest or fees for months without periodic statements, servicemember billed rent or an early termination fee after a lawful lease termination, repossession or foreclosure during or soon after military service without a court order, unordered merchandise billed), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Commercial Debt Protections Check (Live): Commercial debt check before dialing on business cards, business loans, lines of credit, merchant cash advances, equipment leases, trade credit, commercial rent and SBA loans: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; consumer-purpose debts; owners called with no signed personal guaranty or a released guaranty; dissolved entities; personal asset seizure or bank freeze / levy plans with no judgment; confessions of judgment; merchant cash advance reconciliation requests; planned customer or vendor contact; spouse or employee contact; collector licensing; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.
• Dialer Connect Speed Check (Live): Dialer connect speed check: for each answered call says ok / review / fix with the silence the consumer heard before an agent spoke, and flags calls over the 2-second connect limit, hang-ups in silence, abandons with no message, NOTSURE answers dropped, slow AMD, AMD on warm lanes, and machine or screener answers with no limited-content message, with abandon rate vs a 3% ceiling, screener breakthroughs, median / p90 silence and per agent / job / dial-mode totals.
• Dialer Contract Protections Check (Live): Contract protections check before dialing auto, buy here pay here, reverse mortgage, hospital, e-sign and rent-to-own accounts: per account hold / review / ok from the facts on file (spot-delivery financing not final with new terms requested or the down payment or trade-in kept, repossession sale proceeds above the balance owed, reverse mortgage borrower died with an eligible non-borrowing spouse in the home or heirs told to pay the full balance, nonprofit hospital credit reporting, suit or debt sale inside the 120-day notice period or with a financial assistance application pending, e-sign consent withdrawn or paper requested while delivery stays electronic only, rent-to-own item returned with remaining payments demanded), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Cosigner Joint Liability Protections Check (Live): Cosigner, guarantor and joint liability check before dialing: per account and party hold / review / ok from the facts on file (who the person is on the account: primary, cosigner, guarantor, joint holder, authorized user, non-signing spouse, ex-spouse or unknown; no creditor authority; open disputes; bankruptcy; attorney representation; signed liability document missing; FTC cosigner notice missing; Chapter 13 co-debtor stay; deceased primary; community property states; divorce decrees; credit reporting on people who are not liable; lawsuits; voluntary payment plans), whether the party is liable and whether the closer may contact them, discuss the debt, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored.
• Dialer Court Debt Protections Check (Live): Court fines, fees and toll debt protections check before dialing court fine, court cost, traffic ticket, toll violation and probation or supervision fee accounts: per account hold / review / ok from the facts on file (no court or agency referral; dismissed, vacated or sealed cases; open disputes or appeals; ability-to-pay reviews requested; indigency findings, waivers or community service conversions; collection surcharges the court or statute does not authorize; active court payment plans; juvenile fees; warrant or license suspension talk in the script) and whether the closer may quote a balance. Billed per account.
• Dialer Cross-Border Protections Check (Live): Cross-border check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility and telecom accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; consumers abroad with an unverified location; calls with no known local time; foreign collection licensing; EU / UK data protection; texts and mail abroad; contact with relatives, employers or consulates abroad; foreign asset levies without a local court order; remittance interception; enforcing a U.S. judgment abroad; service abroad; arrest or extradition claims; currency quotes; U.S. territories; payment plans) and whether the closer may quote a balance. $0.0005 per account. Operations aid, not legal advice.
• Dialer Debt Buyer Protections Check (Live): Debt buyer and purchased-debt check before dialing: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; no bill of sale; chain of title gaps; missing account-level documents; original creditor unknown; debt buyer license required but not on file; no validation notice from the current owner; time-barred purchased debt and revival states; interest or fees added after charge-off; balance not matching the charge-off balance; accounts resold more than once; lawsuits; payment plans), whether the closer may quote a balance or mention a lawsuit, and whether the time-barred disclosure is required. $0.0005 per account. Operations aid, not legal advice.
• Dialer Debt Relief Protections Check (Live): Debt relief, debt management plan and debt settlement check before dialing: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; attorney representation; attorney-led settlement; enrollment type unknown; written third-party authorization on file or missing; consumer asked for contact through the relief company; DMP proposal pending, accepted or rejected; active or lapsed plan payments; fees or interest added since enrollment; collector relief fees or paid referrals; settlement offers; lawsuits; payment plans), whether the closer may contact the consumer directly, must route through the relief company, may discuss the account with it or may quote a balance, with reason codes and closer notes. Keyless, nothing stored.
• Dialer Decedent Protections Check (Live): Deceased consumer and estate check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility and telecom accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; death verification; who the contact is and whether they have authority over the estate or are personally liable; routing to the executor or personal representative; survivor payment and personal-funds requests; life insurance, survivor benefit and non-estate asset demands; funeral and obituary contact; the 30-day period; probate and claim deadlines; insolvent estates; autopay after death; credit reporting; death discharge and credit life insurance; lawsuits; payment plans), whether the closer may discuss the debt with this contact and whether it may quote a balance. $0.0005 per account. Operations aid, not legal advice.
• Dialer Disability Protections Check (Live): Disability and accommodation check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility and telecom accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; accommodation requests not yet answered; large print, braille and accessible formats; relay / TTY set-up; preferred-medium requests; capacity concerns and authorized representatives; caregiver contact; exempt SSI, SSDI and VA disability income; benefits agency threats; medical records requests; disability discharge and credit disability insurance; call-time accommodations; payment plans) and whether the closer may quote a balance. $0.0005 per account. Operations aid, not legal advice.
• Dialer Disaster Protections Check (Live): Disaster protections check before dialing consumers in a declared disaster area (hurricane, flood, wildfire, tornado, storm) on mortgage, auto, card, student, tax, medical, utility, rent, BNPL, payday and overdraft accounts: per account hold / review / ok from the facts on file (no assignment or placement from the creditor; open disputes; displaced or evacuated consumers; FEMA or other disaster aid targeted for payment; pending disaster hardship requests; federally backed mortgage foreclosures inside the 90-day disaster moratorium; other enforcement in a disaster area; federal student loan disaster forbearance; IRS disaster postponements; pending disaster insurance claims; credit reporting and fees on agreed disaster accommodations) and whether the closer may quote a balance. Not legal advice.
• Dialer Elder Protections Check (Live): Elder and vulnerable consumer check before dialing older consumers or anyone with reported dementia or memory problems, a guardian, a power of attorney, a care facility stay or an elder financial exploitation report, on card, auto, personal loan, utility, telecom, medical, BNPL, payday and overdraft accounts: per account hold / review / ok from the facts on file (no assignment or placement from the creditor; open disputes; guardians and conservators; powers of attorney and agent contact requests; exploitation and adult protective services reports; reported cognitive impairment and new agreements; nursing home and care facility residents; exempt benefits as the only income; third-party payment offers; trusted contact requests) and whether the closer may quote a balance. Not legal advice.
• Dialer Employer Debt Protections Check (Live): Employer-driven debt check before dialing (training repayment / stay-or-pay agreements, sign-on and relocation bonus clawbacks, equipment or uniform charges, payroll advances, quit fees): per account hold / review / ok from the facts on file (debt type; how the job ended; no creditor authority; open disputes; bankruptcy; attorney representation; no signed agreement; not prorated for time served; above actual cost; final-wage withholding; state stay-or-pay limits; credit reporting; lawsuits; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Fee Terms Check (Live): Fee terms check before dialing card, bank, installment and agency accounts: per account hold / review / ok from the card and deposit fee facts on file (over-limit fee charged without the cardholder's opt-in, more than once a cycle or more than three cycles in a row, card late fee above the minimum payment due, late fee charged only because an earlier late fee went unpaid, deferred interest charged after the promo balance was paid in full, disputed amount collected or reported delinquent while a billing error is open, ATM or one-time debit overdraft fee without an opt-in, double-cycle interest), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Housing Protections Check (Live): Housing protections check before dialing rent, landlord, property management, public housing, voucher, manufactured home and student housing accounts: per account hold / review / ok from the facts on file (a tenant given under 90 days to leave after a foreclosure sale, a voucher tenant charged above the tenant share, a lease violation that comes from domestic violence against the tenant, a rent increase or eviction after a repair or code complaint, pet fees on an approved assistance animal, a nonpayment notice under 30 days on a CARES Act covered property) and whether the closer may quote a balance. Billed per account.
• Dialer Identity Theft Protections Check (Live): Identity theft claim check before dialing on card, bank, auto, medical, utility, telecom, student, BNPL, payday and retail accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; an identity theft claim not yet investigated; the creditor not yet notified; payment demanded before the investigation; FTC or police identity theft reports; suspected family fraud; credit bureau blocks; planned sales or transfers; credit reporting while the claim is open; accounts opened while a minor; investigation outcomes; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.
• Dialer Immigration Language Protections Check (Live): Immigration-status and language-access check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility, telecom and remittance accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; immigration threats reported; requests for visas, green cards, passports, work permits or ITINs; immigration status in notes; child or relative interpreters; a language promised with no interpreter; limited English with no interpreter; the optional Spanish validation notice; English-only documents; consumers abroad; ITIN accounts; lawsuits; payment plans), which language the closer may use and whether it may quote a balance. $0.0005 per account. Operations aid, not legal advice.
• Dialer Inbound Answer Check (Live): Dialer inbound answer check: the true connect rate (bridged with an agent) next to the reported one, a per day inbound funnel, per call ok / review / fix for calls counted connected but never bridged, held past the hold cap with no voicemail or callback offer, failed in queue or bridged after the cap, plus the callers who reached nobody to call back.
• Dialer Inbound IVR Review Check (Live): Inbound IVR / voice bot call review: callers lost at Not Found dead ends, no transfer or agent offer, confirmed callers not transferred, node loops, ignored replies, long silence and spam, plus funnel, trouble nodes and a fix list.
• Dialer Incarceration Protections Check (Live): Incarceration check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility and telecom accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; court fines and restitution routed to court debt handling; consumers in custody or pretrial detention with no calls into the facility; facility staff and probation or parole officer contact; supervision condition claims; facility mail and envelope language; inmate trust, commissary and prison wage levies without a court order; family asked to pay; disclosure of the incarceration; lawsuits against a person in custody; recent releases; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.
• Dialer Judgment Debt Protections Check (Live): Civil judgment check before dialing or planning a garnishment or levy on card, auto, personal loan, medical, rent, utility, telecom and other accounts that went to court: per account hold / review / ok from the facts on file (no assignment or placement from the creditor; open disputes; bankruptcy; no judgment on file; vacated, set-aside and satisfied judgments and unrecorded satisfactions; expired or soon-to-expire enforcement periods; default judgments and contested service; fees or interest beyond the judgment; filed exemption claims; exempt income only and planned garnishments or levies; payment plan requests) and whether the closer may quote a balance. Not legal advice.
• Dialer KPI Leaderboard Check (Live): Dialer agent KPI leaderboard check: ranked board with score breakdown and points to pass the next agent, team RPC rate and cost per RPC, plus duplicate agents, other-day rows, impossible counts, point farming and a legend that does not match the weights.
• Dialer Lead Status Mismatch Check (Live): Dialer lead status mismatch check: compares each lead's list status with its newest call log row (outbound or inbound / closer) and says ok / review / fix: do-not-call, wrong number, dispute, cease, attorney, bankrupt or deceased dispositions whose lead is still dialable, statuses that don't match the log, leads recycled to new with logged calls, called counts lower than the log and stale last call times, plus a fix plan.
• Dialer Ledger Gap Check (Live): Dialer ledger gap check: for each call your voice-AI or dialer provider placed, says ok / review / fix, and flags unrecorded contacts with your own debtors that your 7-in-7 and dedupe counters never counted, calls neither of your ledgers recorded, calls in only one ledger, missing or unknown pathways, numbers shared by several debtors, unexplained bursts and duplicates, with the debtors to recount and per pathway / account totals.
• Dialer Legal Funding Protections Check (Live): Consumer legal funding and pre-settlement advance check before dialing (pre-settlement and post-settlement advances, lawsuit loans, medical lien funding, attorney funding): per account hold / review / ok from the facts on file (funding type; case status; no creditor authority; open disputes; bankruptcy; attorney representation; attorney funding; non-recourse advances on lost or dismissed cases; repayment before the case resolves; proceeds not received; recourse terms; rescission windows; missing statute disclosures or attorney acknowledgments; planned settlement pressure; credit reporting; lawsuits; payment plans), and whether the closer may contact the consumer, demand payment, quote a balance or contact the case attorney, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Lending Protections Check (Live): Lending protections check before dialing auto, title loan, pawn, payday and medical self-pay accounts: per account hold / review / ok from the facts on file (GAP claim pending or not applied after a total loss, pawn item forfeited with the rest of the loan demanded, payday extended payment plan requested and denied, a debit retried after two failed attempts with no new authorization, collateral reported stolen over nonpayment, a self-pay bill $400 or more over the good faith estimate with a patient-provider dispute pending or the 120-day window still open), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer List Inventory Check (Live): Dialer list inventory check: counts per list how many leads are dialable right now and why the rest are held (stop or do-not-call status, not a dial status, call-count limit, drop lockout, unknown time zone, outside the local window), with status, called-count and time-zone breakdowns, penetration and hours of inventory left.
• Dialer List Recycle Check (Live): Dialer list penetration and recycle check: penetration, contact rate and exhaustion for a campaign list, a fresh-first call order of leads ready now, the next leads coming back, and per lead ready / wait / callback / contacted / exhausted / remove / fix with the next eligible time.
• Dialer List Upload Check (Live): Dialer list upload check: for each hourly call-list upload to each dialer or voice-broadcast account says ok / review / fix, and flags unconfirmed uploads, missing files, logged-out accounts, do-not-call scrub off, duplicates kept, wireless numbers kept on prerecorded campaigns without documented consent, lists that replaced the database or went to an offline list, uploads started before the previous account confirmed, campaigns left disabled or finished and missing accounts, with a per slot complete / partial / missed outcome and per account totals.
• Dialer Live Calls Wall Check (Live): Live calls wall triage for supervisors: Active / Needs attention / All views, search, status chips, stuck calls, who can grab what, and the header ticker.
• Dialer Load Builder (Live): Turn your accounts into today's ranked call list; every account has passed your restriction store and can-call-now.
• Dialer Manufactured Home Protections Check (Live): Manufactured / mobile home check before dialing (lot rent, park fees, chattel home loans, utility pass-throughs): per account hold / review / ok from the facts on file (account type; how the home is titled; no creditor authority; open disputes; bankruptcy; attorney representation; no right-to-cure notice or a cure period still running; removal planned without a court order; lot-rent eviction without notice; sale in place requests; lien sales without abandonment notice; deficiency claims; unnoticed rent increases; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Medical Debt Protections Check (Live): Medical debt protections check before dialing hospital, physician, dental, ambulance, lab, behavioral health, nursing home and urgent care accounts: per account hold / review / ok from the facts on file (no assignment or placement from the provider; open disputes; pending insurance claims; No Surprises Act protected bills charged above in-network cost-sharing; self-pay bills $400 or more over the good faith estimate; itemized bills requested but not sent; pending financial assistance applications; nonprofit hospital collection actions inside the 120-day window; Medicaid on the date of service or a retroactive application pending; workers' comp and injury claims; family members who did not sign; interest or fees not allowed; medical credit reporting the bureaus or the state do not allow; old balances) and whether the closer may quote a balance. Not legal advice.
• Dialer Minor Protections Check (Live): Minor, young-consumer and parent check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility, telecom and gym or membership accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; a minor on the line or a message relayed through a child; accounts held by a minor; parent payment requests, co-signers and parental liability; school, coach and workplace contact; contracts signed while a minor (disaffirmance, necessaries, ratification); foster care history and identity theft; child savings, custodial and 529 requests; credit reporting; under-21 card ability to pay; lawsuits; payment plans), whether the closer may discuss the debt with this contact and whether it may quote a balance. $0.0005 per account. Operations aid, not legal advice.
• Dialer Niche Protection Hold Check (Live): Niche protection hold check before dialing: per account hold / review / ok from medical, student loan, auto, payday, credit card and utility protection flags (insurance pending or under appeal, financial assistance pending, federal relief or discharge applications, belongings in a repossessed vehicle, returned checks, closed cards, medical certificates, winter moratoriums, energy assistance), with reason codes and the notes your AI closer must follow.
• Dialer Ops Health (Live): Daily dialer health from the counts you send: human connect rate vs yesterday, abandon rate, caller-ID spikes, time to first conversation, dead-air alerts and CDR export audit.
• Dialer Originate Rate Check (Live): Dialer originate rate check: counts successful originates in a rolling 60-second window against min(system limit, dialable agents x per-agent rate) and returns per originate ok / review / fix for originates over the ramp cap or system limit, originates with zero dialable agents, caller IDs over a per-minute limit, same-second bursts, leads re-originated within a minute and non-success requests wrongly counted, plus per minute, per caller ID and per job peaks.
• Dialer Pace Adjustment Check (Live): Dialer pace adjustment check: per interval raise / hold / lower / stop with the recommended next overdial ratio and why, plus per job and overall abandon rates against the ceiling, raises made while over the ceiling, jumps bigger than the max step and ratios over the max.
• Dialer Park Slot Board Check (Live): Shared call parking (Park 1-20) safety: which parked calls can be picked up, which slots must stay reserved, which may be cleaned up, and whether a new park is safe.
• Dialer Payment Handling Check (Live): Payment handling check before dialing mortgage, card, auto, installment and agency accounts: per account hold / review / ok from the payment-handling facts on file (late fee on a payment that arrived on time, crediting delay, payoff statement not sent within 7 business days, payment applied against the consumer's direction or to a disputed debt, escrow shortage demanded in one lump sum or 12-month spread not offered, lender-placed insurance still active after proof of coverage, settled balance still placed, for sale or sold), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Premium Finance Protections Check (Live): Insurance premium finance check before dialing (financed auto, home, renters and commercial insurance premiums): per account hold / review / ok from the facts on file (policy type; agreement status; no creditor authority; open disputes; bankruptcy; attorney representation; cancellation with no notice of intent to cancel; unearned premium not received or not credited; premiums billed after cancellation; fees over the state cap; reinstatement requests; credit reporting or lawsuits before the return premium is credited; paid-off agreements; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Purchase Protections Check (Live): Purchase protections check before dialing retail, home-sale, health club, timeshare, debt relief and auto lease accounts: per account hold / review / ok from the facts on file (a home or door-to-door sale cancelled inside the three-business-day cooling-off period or sold without the cancellation notice, a health club contract cancelled for a move, disability or death and still billed, a timeshare rescinded inside the rescission period, a debt relief fee demanded before a debt was settled and paid, a lease appraisal request ignored or excess wear charged without the inspection report, a cancelled layaway with the payments kept), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Queue SLA Check (Live): Dialer queue service level and abandon-rate check: service level, abandon rate and speed of answer per interval, per queue and overall, worst intervals and runs over the abandon ceiling, plus count errors, calls offered with no agents and pace raised while over the ceiling.
• Dialer Recording Completeness Check (Live): Dialer recording completeness check: for each call says whether a connected call that should have been recorded was recorded, the recording URL was saved on the call row, the file left the live spool within the move window and is playable, and flags missing files, missing MP3 copies, empty or truncated recordings, dead links and recordings on calls set not to record, with coverage and playable rates per agent and job.
• Dialer Recovery Limits Check (Live): Recovery limits check before dialing military, student loan, auto, buy here pay here and judgment accounts: per account hold / review / ok from the facts on file (Military Lending Act loan requiring a military allotment or arbitration or above the 36% MAPR, federal student loan discharged or with a closed school, borrower defense, disability or false certification discharge pending while collection is planned, remote vehicle disabling after a cure or without notice, repossession after an objection, from a garage or locked area or with police help but no court order, levy on a 401(k), pension, TSP or IRA, workers' comp or injury settlement money targeted), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Refund Advance Protections Check (Live): Tax refund advance check before dialing (refund advances, refund anticipation loans, refund transfers and preparer fees): per account hold / review / ok from the facts on file (product type; refund status; no creditor authority; open disputes; bankruptcy; attorney representation; refunds pending or frozen; short or offset refunds on non-recourse, unconfirmed or recourse terms; advances already repaid from the refund; fees not disclosed or beyond the disclosure; unpaid refund remainders; credit reporting or lawsuits over non-recourse or not-yet-issued refunds; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Refund Credit Check (Live): Refund credit check before dialing BNPL, retail, card and auto accounts: per account hold / review / ok from the refunds on file (merchant / BNPL return refunds and GAP / service contract / warranty / credit insurance cancellation refunds issued but not credited, balance billed above the balance after refunds, credit balance owed to the consumer, pending or long-pending refunds, cancellations with no refund figured, denied refunds), with reason codes and the notes your AI closer must follow.
• Dialer Rent Deposit Itemization Check (Live): Rent deposit itemization check before dialing former-tenant accounts: per account hold / review / ok from the move-out ledger (itemized deposit statement missing or late against the state deadline, deposit not credited, normal wear and tear charged, rent billed after the unit was re-let, remaining lease charged without mitigation), with reason codes and the notes your AI closer must follow.
• Dialer Rental & Towing Protections Check (Live): Rental and towing protections check before dialing rental car, car share, equipment rental, towing and impound accounts: per account hold / review / ok from the facts on file (no assignment or placement from the rental, towing or storage company; open card disputes; damage claims without a return inspection or with damage noted at pickup; damage waivers the person bought; pending insurance claims; loss of use without fleet records; diminished value; admin fees over the state cap; nonconsensual tow fees over the local cap; storage after a release request; belongings withheld; lien sales without notice; deficiencies after a sale; old claims) and whether the closer may quote a balance. Not legal advice.
• Dialer Repo Deficiency Balance Check (Live): Repo deficiency balance check before dialing auto and BHPH deficiency accounts: per account hold / review / ok from the repossession ledger (deficiency rebuilt as balance + allowed costs - sale proceeds - credits: sale proceeds not credited, deficiency overbilled, surplus owed, deficiency billed before the sale or with no sale on file, low sale price, costs high vs proceeds, pending GAP / refund credits, related-party sale), with reason codes and the notes your AI closer must follow.
• Dialer Repo Sale Notice Check (Live): Repo sale notice check before dialing auto and BHPH repossession accounts: per account hold / review / ok from the repossession timeline (redemption still open, sale notice missing, short or dated after the sale, notice missing redemption or deficiency info, lot location not given, deficiency collection before the sale or without the post-sale explanation), with reason codes and the notes your AI closer must follow.
• Dialer Restart Recovery Check (Live): Dialer restart recovery check: after your dialer engine restarts (deploy, crash, out of memory), says per job, call and lead row ok / review / fix and builds a recovery plan: calls stuck live from before the restart to mark failed (orphaned_on_restart), orphaned calls that rang or connected but are missing from your 7-in-7 counters, leads stuck in dialing to reset, leads reset while their call is still live, jobs active with nothing dispatching and jobs a shutdown cancelled instead of paused.
• Dialer Return Call Routing Check (Live): Dialer return call routing check: for each inbound call to your dialing numbers says ok / review / fix, and flags return calls sent to voicemail, empty hold conferences, hang-ups with no dial, agents rung instead of the fallback line, floor calls that skipped the queue, unanswered or slow fallback legs, long queue waits, unlogged calls and repeat callers who never reached a person, with per number class and per DID totals.
• Dialer Returned Check Protections Check (Live): Returned check protections check before dialing returned, bounced, NSF, stop-payment, closed-account and post-dated check accounts: per account hold / review / ok from the facts on file (no assignment from the payee; stop-payment disputes over the goods or services; civil penalties or treble damages planned without the state written demand or a judgment; returned check fees over the state cap; re-presentment past the limit; electronic debits from the account on the check without authorization; post-dated checks held; check diversion programs; prosecution talk in the script; checks dishonored over 3 years ago) and whether the closer may quote a balance. Billed per account.
• Dialer School Debt Protections Check (Live): School and tuition debt protections check before dialing college, trade school, bootcamp, K-12 and income share agreement accounts: per account hold / review / ok from the facts on file (no assignment or placement from the school; open disputes; federal student loans that belong in the federal workflow; transcript holds, including where state law bans them or the Title IV terms were paid; withdrawals without a refund calculation; closed schools or cancelled programs; balances from a school error; income share agreements not handled as loans; parents who did not sign; charges to a minor; collection fees not in the contract; tax refund offsets or garnishment without a judgment; old balances) and whether the closer may quote a balance. Not legal advice.
• Dialer Service Protections Check (Live): Service protections check before dialing funeral, moving, auto and home repair, credit repair, retail order and self-storage accounts: per account hold / review / ok from the facts on file (funeral goods or services the family did not select, embalming charged without authorization or a casket handling fee, household goods held for more than the estimate allows, a repair bill over the written estimate without authorization, a credit repair fee demanded before the services were fully performed or after a three-day cancellation, a mail, phone or online order never shipped or cancelled and not refunded, a storage lien sale scheduled without the required notices or after the balance was tendered), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Servicemember Protections Check (Live): Servicemember check before dialing on credit cards, personal, auto and payday loans, auto and residential leases, mortgages, private student loans, medical and utility accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; active duty or called-up Guard / Reserve routed to a trained human; SCRA 6% rate requests not yet applied; the 180-day post-service window; default judgments without a military status affidavit; repossessions or foreclosures without a court order; lease terminations under orders; Military Lending Act allotment, arbitration and 36% MAPR; chain of command contact; military pay garnishment without a judgment; adverse action for using SCRA rights; waivers; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.
• Dialer Servicing Terms Check (Live): Servicing terms check before dialing mortgage, card, auto, installment and agency accounts: per account hold / review / ok from the servicing-terms facts on file (PMI still charged at or below 78% of original value or a cancellation request at 80% not acted on, payment sent to the prior servicer during a servicing transfer treated as late or not credited, card rate increase applied to the existing balance, immediate payoff demanded after the cardholder closed the card, escrow surplus of $50 or more not refunded within 30 days, prepayment penalty the contract doesn't list, unearned interest not rebated), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.
• Dialer Solar Home Improvement Protections Check (Live): Solar, PACE and home-improvement financing check before dialing (solar loans, leases and PPAs, PACE assessments, home-improvement loans, contractor financing): per account hold / review / ok from the facts on file (product type; no creditor authority; open disputes; bankruptcy; attorney representation; system never installed or not working; no permission to operate; contractor complaints; 3-day cancellation claims; Holder Rule notice; tax-credit misrepresentation; removal or disconnect plans; PACE county process; credit reporting; lawsuits; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.
• Dialer Strategy Analyst (Sandbox): Propose-only morning dialer load plans, phone-source cohort reports and nightly voice-agent prompt reviews from your aggregates.
• Dialer Subrogation Protections Check (Live): Subrogation and auto accident damage claim check before dialing on auto, motorcycle, commercial vehicle, fleet, rideshare and property damage claims an insurer or owner is recovering: per account hold / review / ok from the facts on file (no insurer or creditor authority; open disputes; bankruptcy; releases or settlements on file; the consumer's own liability insurer not yet tendered, still handling the claim or denying it; fault disputed with no ruling; owner vs driver; undocumented damages; added fees; loss of use or diminished value; license suspension plans with or without a judgment; old accident dates; payment plan requests), with citations, closer notes and whether the closer may quote a balance. Facts only, no names, claim, policy or plate numbers. Not legal advice.
• Dialer Supervisor Monitor Check (Live): Supervisor listen / whisper / barge check: role and team scope, registered extension, one leg per supervisor, one barge per call, stale sessions and monitoring notice.
• Dialer Tax Debt Protections Check (Live): IRS private collection (federal tax debt) protections check before dialing accounts the IRS assigned to a private collection agency: per account hold / review / ok from the facts on file (accounts not eligible for private collection: pending installment agreement or offer in compromise, innocent spouse, deceased, under 18, combat zone, tax identity theft, SSDI or SSI income, income at or under 200% of poverty, open exam, litigation, investigation, levy or appeal; disaster and written return-to-IRS requests; missing CP40 or initial letters; payments not routed to the United States Treasury; setup fees; enforcement talk; plans over 7 years) and whether the closer may quote a balance. Billed per account.
• Dialer Telecom Protections Check (Live): Telecom and utility protections check before dialing wireless, landline, cable, internet, satellite, electric, gas, water and energy supplier accounts: per account hold / review / ok from the facts on file (third-party charges on a phone bill the consumer did not authorize, charges from an unauthorized carrier switch, a fee on a survivor's line-separation request, an early termination fee after an SCRA notice with military orders, a utility back-bill over a long period or with no installment plan, a prior occupant's balance put on a new applicant) and whether the closer may quote a balance. Billed per account.
• Dialer Transfer Board Check (Live): Warm and blind agent transfer check: one active transfer per call, ring / hold / briefing timeouts, restart recovery, stuck target reservations and transfer pins.
• Dialer Utility Protections Check (Live): Utility and energy debt check before dialing on electric, gas, water / sewer, propane or heating oil and trash accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; shutoff or disconnection talk by a third-party collector, on a closed account or on a protected account; winter / extreme-heat moratoriums; medical certificates; pending energy assistance such as LIHEAP; payment arrangements; balances from another person or account; deposit or reconnection fee requests; final bills; lawsuits; payment plans), whether the closer may quote a balance and whether disconnection may be mentioned at all. $0.0005 per account. Operations aid, not legal advice.
• Dialer Voice Org Throttle Check (Live): Dialer voice org throttle check: for each voice-AI org per minute says ok / review / fix, and flags 429s far below the published cap (an undocumented per-org throttle to escalate), 429s over the published cap, retry storms after 429s, high error rates, counts that do not add up, duplicate minutes and unlisted orgs, with per org throttle point, percent of cap, peak and median accepted calls a minute and share of traffic, low balance without auto-recharge, benched orgs with no rate-limit cause and fleet load concentrated on one org.
• Dialer Warranty Protections Check (Live): Warranty protections check before dialing auto dealer, auto repair, appliance, electronics, home warranty, travel and airline accounts: per account hold / review / ok from the facts on file (a repair covered by a written warranty but charged, a warranty denied only because another shop or brand of part was used, a balance demanded after a lemon-law repurchase, an as-is disclaimer voided by a service contract within 90 days or a missing used car Buyers Guide, an open safety recall repair charged, a carrier-cancelled or significantly changed flight not refunded) and whether the closer may quote a balance. Billed per account.
• Dialer Wrap-Up Check (Live): Post-call wrap-up check: agents stuck past the auto-release timer, real-party calls with no outcome, missing amounts or follow-up times, duplicate or late outcomes, lost notes, and follow-ups that stay human.
• Disposition Code Normalizer (Live): Turn any dialer or voice-AI disposition code into one standard collections code, with what it means for Reg F, what restriction to write back and the next step.
• DMP Proposal Evaluator (Live): Credit counseling debt management plan proposal: accept, counter or decline against your concession policy, with the counter payment.
• DOFD Calculator (Live): Derive the date of first delinquency from payment history, get the 7-year credit-reporting end date and catch re-aged DOFDs.
• Domain RDAP Lookup (Live): Vet a debt buyer, law firm, vendor or payment-link domain: registration age, registrar, status and expiry from the registry (RDAP).
• Door-to-Door Sale Cooling-Off Check (Live): Collecting on an in-home or pop-up sale? FTC Cooling-Off Rule coverage, the 3-day cancel deadline, notice duties and void cancelled sales.
• E-SIGN Consent Check (Live): Sending required notices by email or portal? E-SIGN 7001(c): valid consumer consent and the six pre-consent disclosures.
• Early Intervention Check (Live): Delinquent mortgages: day-36 live contact and the day-45 written notice every cycle, with the bankruptcy and FDCPA-cease versions of Reg X.
• Earthquake Hardship Check (Live): Pause outreach after a damaging earthquake near the consumer: recent quakes, USGS alert level and felt intensity for a ZIP or location.
• eCFR Section Lookup (Live): Pull the current text of any CFR section (e.g. 12 CFR 1006.14) or full-text search the eCFR.
• EFT Compulsory Use Check (Live): Requiring autopay or setting up recurring debits? EFTA 1693k / Reg E 1005.10: no loan may be conditioned on autopay.
• EFT Error Resolution Gate (Live): Debit card, ACH or ATM dispute (Reg E 1005.11): is it covered, what are the deadlines, and can you collect the disputed amount?
• Electronic Contact Gate (Live): Before an email or text goes out: Reg F safe harbor for the address, work-email ban, opt-out in the message, TCPA consent, and 8am-9pm in every possible consumer time zone.
• Email Domain Check (Live): Check a consumer email before you send: syntax, live MX, disposable and role inboxes, domain typos and possible employer email.
• Email verification & domain health (Live): Syntax, disposable-domain and live MX checks (free tier), SPF/DKIM/DMARC and blocklist health for sending domains, and an optional mailbox-level tier (ZeroBounce).
• Escrow Payoff Refund Check (Live): Mortgage paid off? Reg X 1024.34: escrow refund within 20 business days, when it can roll to a new loan, and timely tax/insurance payments.
• Escrow Shortage Analyzer (Live): Escrow shortage, deficiency or surplus: what RESPA lets you ask for, how fast, and the compliant monthly add-on.
• Fair Lending Collection Check (Live): Does your collection strategy or scoring model treat consumers differently on a basis ECOA prohibits?
• FCC Robocall Complaint Check (Live): Count FCC unwanted-call and robocall complaints naming your outbound caller ID before you dial from it.
• FDIC Bank Lookup (Live): Look up US banks in FDIC BankFind by certificate number or name for ACH and creditor context.
• Fed Prime Rate Lookup (Live): The bank prime rate in effect on any date since 1955 (Federal Reserve H.15), with your contract's prime + margin, floor, cap and rounding applied.
• Federal Benefit Levy Protection (Live): Bank garnishment on an account with Social Security, SSI, VA, railroad or federal retirement deposits: how much is protected (31 CFR 212)?
• Federal Judgment Rate (Live): Federal post-judgment interest rate under 28 U.S.C. 1961 for any judgment date, from Treasury 1-year yields.
• Federal Register Search (Live): Search new CFPB, FTC, FCC and other federal rules, proposed rules and notices in the Federal Register.
• Federal Wage Garnishment Check (Live): Garnishing wages for a federal agency debt? 31 CFR 285.11 AWG notice, hearing hold, and the 15% / CCPA per-paycheck cap.
• FEMA Disaster Lookup (Live): Is the consumer's county in a FEMA-declared disaster area? Hardship signal for pausing outreach or offering forbearance.
• FHA Default Servicing Check (Live): Servicing a delinquent FHA loan? HUD delinquency notice, the pre-third-installment meeting, and when foreclosure may start.
• Flat-Rating Check (Live): Collection letters on someone else's letterhead? FDCPA 1692j flat-rating and the false-name creditor rule.
• Florida Consumer Finance Collection Check (Live): Collecting a Florida loan of $25,000 or less? 516.031 caps 36/30/24% by tier; unlicensed lender over 18% = unenforceable (516.02(2)).
• Florida Payday Loan Collection Check (Live): Collecting a Florida payday loan? Fla. Stat. 560.404/560.406: 10% fee cap, no rollovers, 60-day grace period, no treble damages or collection costs, no criminal threats.
• Florida Usury Collection Check (Live): Collecting a Florida private loan? Over 18% is usurious (Fla. Stat. 687.03): principal only, double interest paid (687.04); over 25% unenforceable (687.071).
• Force-Placed Insurance Check (Live): Before charging force-placed hazard insurance: the 45-day and reminder notices, the proof-of-coverage window, 15-day refunds and the escrow rule.
• Georgia Installment Loan Collection Check (Live): Collecting a Georgia installment loan? O.C.G.A. 7-3-33: no contact 10 p.m. to 5 a.m., no ridicule, no fake legal papers.
• Georgia Payday Loan Collection Check (Live): Collecting a Georgia payday loan? O.C.G.A. 16-17-2, -3: non-exempt lenders (online and tribal too) void and barred from collecting; 5%/month usury.
• GLEIF LEI Lookup (Live): Look up a company Legal Entity Identifier (LEI) or legal name in the GLEIF directory.
• Good Faith Estimate Dispute Check (Live): Collecting a self-pay medical bill? No Surprises Act: $400-over-estimate disputes, the 120-day window and the collection hold.
• Hardship Program Matcher (Live): Match each consumer's hardship to the hardship programs you offer, with payments, forgiven amounts and documents, and stop or review flags for bankruptcy, disputes, SCRA and risky wording.
• Hawaii Small Dollar Installment Loan Collection Check (Live): Collecting a Hawaii small-dollar loan? HRS 480J: unlicensed = void, nothing collectable; licensed capped at $1,500, 36%, $35/mo fee; payday repealed.
• HELOC Freeze Acceleration Check (Live): Freezing, cutting or calling a home equity line? Reg Z 1026.40(f) permitted reasons and the 3-business-day notice.
• HIPAA Collection Disclosure Check (Live): Sending patient data to a collector, credit bureau or family member? HIPAA payment-disclosure rules and the minimum necessary set.
• Holder Rule Check (Live): Buying or collecting retail installment paper? FTC Holder Rule coverage, the exact notice, and how much the seller's problems can cost you.
• Housing Counselor Lookup (Live): HUD-approved housing counseling agencies near a consumer for foreclosure, eviction, reverse-mortgage or debt help, filtered by need and language.
• Human Handoff Brief (Coming soon): When an AI agent hands a call to a person, get the right queue, how urgent it is, a 20-second brief and the do and do-not steps.
• IBAN + SWIFT Validator (Live): Validate IBANs (country, length, mod-97 check digits) and SWIFT/BIC codes before an international wire, payment or refund.
• Idaho Payday Loan Collection Check (Live): Collecting an Idaho payday loan? Idaho Code 28-46-413: disclosed returned-check charges only, no treble damages, no criminal threats, at most 3 renewals.
• Illinois 36% Predatory Loan Collection Check (Live): Collecting an Illinois loan made since 3/23/2021? Predatory Loan Prevention Act: above 36% Military APR = null and void, nothing collectable.
• Illinois Interest Act Collection Check (Live): Collecting an Illinois private loan? 9% in writing, 5% without (815 ILCS 205/4, 205/2); over it = 2x interest and charges (205/6); 36% PLPA backstop.
• Illinois Payday Loan Collection Check (Live): Collecting an Illinois payday loan? 815 ILCS 122: one $25 NSF fee, two presentments, no late or attorney fees, repayment plan, 28-day suit wait, military protections.
• Inbound Caller Match (Live): Match an inbound caller's number to your accounts without storing phone numbers, then gate disclosure: verify the right party first, honor wrong-party and do-not-call records, and route represented consumers to their attorney.
• Indiana Payday Loan Collection Check (Live): Collecting an Indiana payday loan? Ind. Code 24-4.5-7: one $25 NSF fee, 3 presentments, no attorney fees, treble damages or criminal process.
• Iowa Payday Loan Collection Check (Live): Collecting an Iowa payday loan? Iowa Code 533D.9/533D.10: fee schedule, one $15 penalty as the exclusive remedy, no other fees, 2 checks / $500 / 31 days.
• IRS Nonprofit Lookup (Live): Is the creditor a 501(c)(3) charity hospital? EIN, exempt status, NTEE and a likely_501r flag from IRS data.
• Kansas Payday Loan Collection Check (Live): Collecting a Kansas payday loan? K.S.A. 16a-2-404: no criminal threats, one return-check charge, 3%/month cap, extended payment plan rules.
• Kansas Wage Garnishment Check (Live): Garnishing wages in Kansas? K.S.A. 60-2310: 25% / 30x minimum wage cap, no garnishment by assignees, one order per 30 days, illness hold.
• Kentucky Payday Loan Collection Check (Live): Collecting a Kentucky payday loan? KRS 286.9-100: $15 per $100 fee cap, 60-day hold limit, no fee rollovers, no KRS 514.040 threats.
• Kentucky Usury Collection Check (Live): Collecting a Kentucky loan of $15,000 or less? KRS 360.010 caps at the lesser of 19% or discount + 4; above it forfeits all interest (360.020).
• Lawsuit Venue Check (Live): Filing a collection suit? FDCPA 1692i: sue only where the consumer signed or lives, or where the property is.
• Lease Residual Liability Check (Live): Collecting an end-of-lease balance? Consumer Leasing Act: the 3x-payment cap, when a lawsuit is required, and closed-end limits.
• Letter Readability Check (Live): Check that a collection letter, email, text or script is easy to read, and catch legal jargon and pressure wording before it goes out.
• License Renewal Tracker (Live): Track every state collection agency license, branch, individual collector license and surety bond: renewal calendar, what is due, and states where you are collecting without a current license.
• Limited-Content Voicemail Check (Live): Leave voicemails that never disclose the debt to whoever hears them: Reg F limited-content messages, checked or written for you.
• Liquidation Curve Builder (Live): Your own liquidation curve from past portfolios: pooled % of face by month, chain-ladder projections and the bid it implies.
• Location Contact Gate (Live): Calling a relative, neighbor or employer to find someone? Check the contact and the script first.
• Lockbox Payment Matcher (Live): Cash application: match lockbox, check, wire and portal payments to accounts by reference, typo-tolerant reference, or amount + payer name.
• Loss Mitigation Timeline Check (Live): Mortgage default servicing deadlines: acknowledgment, 30-day evaluation, appeal, 120-day referral wait and dual-tracking holds.
• Louisiana Payday Loan Collection Check (Live): Collecting a Louisiana payday loan? La. R.S. 9:3578.4/9:3578.6: 16.75% fee cap, 36%/18% post-maturity rate, actual NSF cost only, no prosecution or credit reporting.
• Mail Envelope Check (Live): What may show on the outside of a collection letter? FDCPA 1692f(8) / Reg F 1006.22(f): address, neutral name, mailing marks only.
• Maine Supervised Loan Collection Check (Live): Collecting a Maine consumer loan? 9-A 2-401 caps (30/24/18% blend, 18% over $8,000); unlicensed lender: borrower not obligated to pay (5-201).
• Maryland Consumer Loan Collection Check (Live): Collecting a Maryland loan of $25,000 or less? Com. Law 12-314: over the 12-306 rate, unlicensed, or MLA-violating = void; nothing collectable.
• Maryland Usury Collection Check (Live): Collecting a Maryland private loan? 6% without a signed written rate, up to 24% with one (Com. Law 12-102, 12-103); over it = 3x excess or $500 (12-114).
• Massachusetts Small Loan Collection Check (Live): Collecting a Massachusetts loan of $6,000 or less? G.L. c. 140 ss. 96, 110: unlicensed above 12%, or licensee above 23%, = void; collecting it is illegal.
• Medical Code Lookup (Live): Validate ICD-10-CM and HCPCS codes on a medical bill, explain them in plain English and flag codes that make an itemization disputable.
• Medical Financial Assistance Screener (Live): Before collecting a hospital bill, see if the patient likely qualifies for free or discounted care: percent of the poverty line, FAP tier, estimated balance, 501(r) dates and a plain script.
• Message Template Linter (Live): Check an SMS, email or letter merge template before a campaign: broken or mixed placeholders, fields your data doesn't have, blank names, unformatted amounts, missing opt-out, link shorteners.
• Metro 2 Tradeline Validator (Live): Check every collection tradeline in your Metro 2 file before it goes to the credit bureaus.
• Michigan Payday Loan Collection Check (Live): Collecting a Michigan payday loan? MCL 487.2151-2158: one returned-check charge (now $38.96), no renewals, repayment plan after 8 loans, no early presentment.
• Michigan Usury Collection Check (Live): Collecting a Michigan private loan? Over 7% written (5% unwritten) bars all interest, fees and costs (MCL 438.31, 438.32); over 25% is criminal.
• Minimum Payment Payoff (Live): How long and how much it costs to pay a card balance at the minimum vs a 36-month plan vs your settlement or plan offer.
• Minnesota Payday Loan Collection Check (Live): Collecting a Minnesota payday loan? Minn. Stat. 47.601: license, 50% APR and no other charges, ability-to-repay over 36%, void-loan triggers, no threats.
• Minnesota Usury Collection Check (Live): Collecting a Minnesota private loan? Over 8% = void except to a holder in due course (Minn. Stat. 334.01, 334.03); business loans discount + 4.5.
• Mississippi Payday Loan Collection Check (Live): Collecting a Mississippi payday (delayed deposit) loan? Miss. Code 75-67-515/519: $500 cap, fee tiers, no renewals or late fees, no prosecution to collect.
• Missouri Payday Loan Collection Check (Live): Collecting a Missouri payday loan? RSMo 408.500/408.505: renewal limits, 5% paydowns, 75% fee cap, no bad-check threats.
• Missouri Wage Garnishment Check (Live): Garnishing wages in Missouri? RSMo 525.030: 25% / 30x minimum wage cap, 10% for a Missouri head of family.
• MLA MAPR Calculator (Live): Military Lending Act: the real MAPR with the fees Reg Z leaves out, and whether credit to a covered borrower is over 36% (void).
• Montana Payday Loan Collection Check (Live): Collecting a Montana payday loan? MCA 31-1-723: no criminal process, no rollovers or extension fees, no banned clauses, no misleading statements.
• Montana Usury Collection Check (Live): Collecting a Montana private loan? Cap is the greater of 15% or prime + 6 (MCA 31-1-107); above it the lender forfeits double the interest (31-1-108).
• Mortgage Payment Crediting Check (Live): Mortgage payments credited the day they arrive? Reg Z suspense, non-conforming, pyramiding and 7-day payoff rules, with fees to reverse.
• Mortgage Periodic Statement Check (Live): Mortgage statements: required or exempt, on time, and complete, including the extra delinquency information past 45 days and the charge-off notice.
• Mortgage Transfer Notice Check (Live): Bought mortgage loans? TILA new-owner notice: are you covered, the 30-day deadline, required contents and damages if late.
• NACHA ACH File Validator (Live): Check a NACHA ACH file before it goes to your bank: structure, routing check digits, hashes and totals, trace numbers, SEC-code rules for consumer debits, RETRY PYMT and same-day limits.
• Name Parser & Matcher (Live): Split messy debtor names into first, middle, last and suffix (LAST, FIRST, all-caps, joint, estate, business) and score how well two names match, nicknames and Jr/Sr included.
• NCUA Credit Union Lookup (Live): Look up federally insured credit unions by charter number or name (status, assets, members, contact).
• Nebraska Payday Loan Collection Check (Live): Collecting a Nebraska payday loan? Neb. Rev. Stat. 45-918/45-919: 36% APR cap (void above), 2 checks / $500 / 34 days, no rollovers or ancillary fees.
• Nebraska Usury Collection Check (Live): Collecting a Nebraska private loan? Cap 16% (Neb. Rev. Stat. 45-101.03); above it the lender recovers only principal less interest paid (45-105).
• Negative Information Notice Check (Live): Reporting late payments to the credit bureaus? FCRA 623(a)(7) notice timing, placement and model B-1/B-2 wording.
• Nevada Payday Loan Collection Check (Live): Collecting a Nevada payday loan? NRS 604A: repayment-plan offer before suit, prime + 10% for 90 days, $25 NSF fee limits, interest and fees capped at principal.
• New Hampshire Payday Loan Collection Check (Live): Collecting a New Hampshire payday loan? RSA 399-A:17: 36% APR, no fees, 6% after maturity, $500 limit, no renewals, check-only security, no threats.
• New Jersey Criminal Usury Collection Check (Live): Collecting a New Jersey loan? 2C:21-19 caps 30% (individuals) / 50% (entities); unlicensed consumer loans are void (17:11C-33).
• New Jersey Wage Execution Check (Live): Garnishing wages in New Jersey? N.J.S.A. 2A:17-56 10% cap, the 250% poverty test and the federal 1673(a) limit.
• New Mexico 36% Small Loan Collection Check (Live): Collecting a New Mexico loan of $10,000 or less? NMSA 58-15: unlicensed, over 36% all-in APR, payday or under 4 installments = void; nothing owed.
• New York DFS Part 1 Collection Check (Live): Collecting from New York consumers? 23 NYCRR 1.4-1.6: 14/21-day dispute instructions, 60-day substantiation, 5-day plan letters, email consent.
• New York Usurious & Payday Loan Collection Check (Live): Collecting a New York consumer or payday loan? GOL 5-501/5-511: over 16% from an unlicensed non-bank is void; over 25% is criminal; payday illegal.
• Next-payer scoring & prioritization (Live): Ingest score files with exact file/account-number matching (no fuzzy name matching), rank accounts high/medium/low with best channel, day and window, and compute ZIP average AGI/EIC from IRS SOI rows. Contact order only.
• North Carolina Consumer Finance Act Collection Check (Live): Collecting a North Carolina loan of $25,000 or less? G.S. 53-166, 53-176: unlicensed lender or servicer = void; 33/24/18% tiers, fee caps, payday.
• North Carolina Usury Collection Check (Live): Collecting a North Carolina private loan? 8% without a written rate (G.S. 24-1), 16%+ Commissioner cap on $25k or less (24-1.1); over it = all interest forfeited, 2x paid back (24-2).
• North Dakota Payday Loan Collection Check (Live): Collecting a North Dakota payday loan? N.D.C.C. 13-08-12: 20% fee cap, $500 / $600 limits, one renewal, $40 returned charge, no criminal threats.
• NPPES Provider Lookup (Live): Look up medical providers and organizations in the CMS NPPES NPI Registry.
• Number Reputation Check (Live): Check caller IDs and consumer numbers before dialing: NANP validity, number type, area-code state and zones, duplicates; spam score and line type when enabled.
• Objection & Rebuttal Engine (Sandbox): Mine objections from call transcripts, draft compliant rebuttal variants for review, and A/B score which variant works.
• OFAC SDN Screen (Live): Screen person or entity names against the US Treasury OFAC Specially Designated Nationals (SDN) list.
• Ohio Short-Term Loan Collection Check (Live): Collecting an Ohio payday-style loan? R.C. 1321.45: 8 a.m.-9 p.m. Eastern Standard Time, attorney, workplace and location-call rules.
• Oklahoma Payday Loan Collection Check (Live): Collecting an Oklahoma payday loan? 59 O.S. 3108-3110: finance-charge cap, one $25 dishonored fee, no renewals (13-day rule), repayment plan, cooling-off.
• OpenFDA Firm Lookup (Live): Search openFDA for a device or drug manufacturer / applicant (medical-adjacent creditors).
• Oregon Consumer Finance Collection Check (Live): Collecting an Oregon loan of $50,000 or less? Unlicensed = void, no collection or account debit (ORS 725.045); licensee cap 36% or prime credit + 30.
• Oregon Payday Loan Collection Check (Live): Collecting an Oregon payday loan? ORS 725A: 36% cap plus one origination fee, 31-day term, 2 renewals, one $20 NSF fee as the only dishonor remedy.
• Outbound Call Fraud Guard (Live): Stop toll fraud before your dialer or voice AI pays for it: Caribbean area codes, premium and IRSF numbers, pumping.
• Overdraft Opt-In Check (Live): Collecting an overdrawn checking balance? Reg E 1005.17: ATM and debit overdraft fees need a valid opt-in.
• Paid-in-Full Letter Builder (Live): Build paid-in-full and settled-in-full confirmation letters, with a close-out checklist so the account is never collected, sold or misreported again.
• Payday Payment Withdrawal Check (Live): Re-presenting a payday or title loan payment? CFPB rule 1041.8: two failed pulls and you stop, plus the notices you owe.
• Payday-Aligned Date Planner (Live): Schedule payment-plan dates right after the consumer gets paid: weekly, biweekly, semimonthly or monthly paydays with holiday shifts.
• Payment Allocation Check (Live): Split one consumer payment across several accounts the lawful way: the consumer's direction first, never onto an unverified disputed debt, oldest-first by default, with remittance-ready receipt lines.
• Payment Authorization Gate (Live): Before you charge or schedule a consumer payment: Reg E authorization for recurring debits, Nacha phone and web rules, convenience fees, and postdated payment notices.
• Payment Crediting Check (Live): Was the payment really late? Reg Z crediting rules: 5 p.m. cut-off, next mail day, 21-day statements, method fees.
• Payment Dispute Handler (Live): A payment came back or the consumer says it was unauthorized, wrong or charged twice. What to do next.
• Payment Method Precheck (Live): Catch bad bank and card details before you try a payment: ABA routing checksum and ACH eligibility, account-number shape, card network and length from the BIN, and expiry.
• Payment Plan Affordability Check (Live): Before you offer a payment plan: does it fit the consumer's own budget, what range to offer instead, and which fee, interest and disclosure rules apply.
• Payment processor gateway (Sandbox): Tokenized NMI sale/auth/capture/refund/void/vault and transaction query, plus a Stripe Checkout link, on the agency's own merchant account. Rejects card numbers, enforces settlement offer tokens for AI agents, never auto-retries.
• Payment Propensity Scorer (Live): Rank accounts by likelihood to pay with a transparent points model: a 0-100 score, band, suggested treatment and the reasons, with no-contact accounts set aside first.
• Payment Reminder Builder (Coming soon): Build a payment reminder text or email in English or Spanish, with the debt-collector notice and opt-out line, checked against Reg F before it goes out.
• Payment Schedule Builder (Live): Turn an agreed payment plan into an exact dated schedule your agent can read back, with weekends and holidays handled and the right authorization rule.
• Payoff Quote Builder (Live): Get the exact payoff on any date, with the per-day interest, a good-through date and amount, and only the fees you are allowed to collect.
• Pennsylvania 6% Usury / CDCA Collection Check (Live): Collecting a Pennsylvania consumer or payday loan? 41 P.S. 201: over 6% without a CDCA license is unlawful, need not be paid, trebled if paid.
• Phone & identity lookups (Sandbox): Local US number validation now; line type and caller name (Twilio Lookup), reverse phone and contact grade (Trestle), person search (EnformionGO) and web mentions (SerpAPI) behind vendor keys. Permissible purpose required.
• Phone Match Keys (Live): Turn messy phone numbers into every stored format so your lookup actually matches, and drop short codes, carrier errors and non-consumer senders first.
• Phone Number Ranker (Live): Which of an account's numbers to call first, and which ones to stop calling.
• Placement Dedupe Matcher (Live): Catch double placements before import: match new rows against your inventory on account number and SSN anchors, plus duplicates inside the file.
• Placement File Cleaner (Live): Map a new placement file's columns, clean the rows and get a QA report before import. Card numbers block the file (PCI).
• Placement File Mapper (Live): Map a new client's placement-file headers to standard collection fields before import: confidence for each column, missing Reg F inputs, duplicate targets and sensitive columns.
• Placement Performance Report (Live): The report you send each client: liquidation by vintage, contact and promise rates, and a recall list.
• Placement Reconciliation (Live): Reconcile a placement file with the agency's inventory, recalls, payments and remittance report, and see exactly what does not match.
• Placement Router (Live): Decide which agency or law firm gets each new account: licensing, capacity, performance and compliance holds.
• PMI Termination Check (Live): Still billing private mortgage insurance? Homeowners Protection Act 80%, 78% and midpoint dates, cancellation requests, and premiums to refund.
• Portfolio Aging Report (Live): Age a file of up to 10,000 accounts in one call: age buckets, balance bands, accounts too old to credit-report or past the limitation period, and expected collections.
• Portfolio IRR Tracker (Live): For debt you bought: MOIC, payback month, IRR to date and how the paper is tracking against the liquidation curve you bid on.
• Portfolio workability analysis (Live): Aggregates in (never raw rows), a 0-100 workability score out with a counts table, top 5 risks and actions and the unknowns, pre- or post-import. Out-of-statute debt is counted, never recommended for suit.
• Postdated Payment Check (Live): Check postdated checks, ACH and card payments before you deposit them: the FDCPA written-notice window, early deposits, threats, Reg E recurring-debit authorization and Nacha phone-ACH proof.
• Precomputed Loan Rebate Calculator (Live): Unearned-interest rebate and payoff for precomputed (add-on) installment loans: actuarial vs Rule of 78, with the 61-month federal bar.
• Previous Payer Scrub (Live): Check accounts against DebtLayer's network of previous payers. Upload a CSV or Excel file or call the API to get a payment score and contact priority for each account. Identifiers are matched as SHA-256 hashes.
• Private Student Loan Death Release Check (Live): Student or cosigner died? TILA 1650(g): no auto-default on the student, release the cosigner, and no prepayment fees.
• Proof of Claim Deadline (Live): Bankruptcy claim bar date, 341 meeting window, discharge objection deadlines and automatic stay status from the petition date and chapter.
• Property & address intel (Sandbox): ZIP to city/state/time zones (live, keyless). Property records, owner match, value/rent estimates, parcel owner and geocoding switch on with vendor keys. Collections prioritization and location only.
• Public Holiday Calendar (Live): US (and 100+ country) public holidays plus business-day checks for Reg F day counts, due dates and dial plans.
• QA Sample Planner (Live): Plan how many calls to score per collector this period: a statistically valid random sample, more for new, high-fail or complained-about collectors and AI agents, plus the calls that must always be reviewed.
• QMB Billing Check (Live): Billing a Medicare patient's deductible or coinsurance? QMBs owe nothing for Medicare cost-sharing (42 U.S.C. 1396a(n)(3)(B)).
• Reaffirmation Agreement Check (Live): Collecting a debt reaffirmed in bankruptcy? 11 U.S.C. 524(c): is the agreement enforceable, and when does the rescission window close?
• Recurring Debit Stop-Payment Check (Live): Running recurring debits on payment plans? Reg E 1005.10: written authorization, 3-business-day stop orders, 10-day notice when amounts change.
• Remittance Statement Builder (Live): Build each client's monthly remittance statement: fees by tier, reversals, net remit and a trust-account tie-out.
• Repo Deficiency Calculator (Live): Figure the deficiency or surplus after a repossession sale with the UCC 9-615 waterfall, and catch what kills a deficiency claim: missing or late sale notice, a cheap sale, a related buyer, a surplus owed back.
• Repossession Sale Notice Check (Live): Before collecting a deficiency after repossession: UCC sale notice, co-signers, redemption, the surplus/deficiency explanation and minimum damages.
• Rescission Window Check (Live): Home-secured loans: is the 3-day right to rescind still open or extended to 3 years, and was it exercised?
• RESPA Error & Info Request Check (Live): Mortgage notices of error and information requests: every Reg X clock (5-day ack, 7/30/10-day answers), exemptions and the 60-day reporting bar.
• Retail Charge-off + Re-age Check (Live): When a consumer account must be charged off under the FFIEC retail credit policy, whether a re-age is allowed, and the credit-report removal date.
• Rhode Island 21% Usury Collection Check (Live): Collecting a Rhode Island loan? 6-26-2: interest above 21% (or prime + 9) on net proceeds = void and payments recoverable; banks forfeit interest.
• Right-to-Cure Notice Check (KS / MO) (Live): Accelerating or repossessing in Kansas or Missouri? K.S.A. 16a-5-111 / RSMo 408.554-.555: 10-day default, notice content, 20-day cure wait.
• Roll Rate Analyzer (Live): Compare two aging snapshots and see how accounts moved: bucket-to-bucket transition matrix, roll-forward and cure rates, balance flow rates and the implied loss rate.
• SCRA Lease Termination Check (Live): Collecting rent or a car lease from a servicemember who ended the lease? SCRA 3955 effective dates and what is not owed.
• SEC EDGAR Company Search (Live): Search SEC company tickers by ticker, CIK, or company name for creditor/parent context.
• Secure Consumer Link (Live): Signed, expiring one-time links to your pay, dispute or validation notice page, with compliant text and email wording.
• Self-Help Repo Check (Live): Sending a repo agent? UCC 9-609 breach of the peace, FDCPA 1692f(6), the SCRA court-order rule and the bankruptcy stay.
• Servicing Transfer Notice Check (Live): Mortgage servicing transfers: were the RESPA hello/goodbye notices on time, and which late fees in the 60-day window must be reversed?
• Settlement & payment-plan calculator (Live): Server-authoritative settlement tiers above the client floor, 3/6/12-month plans with exact-cent installments and due dates, and client/agency remit splits. Each offer carries a signed offer_token the payment tool checks.
• Settlement Option Comparator (Live): Compare lump-sum and payment-plan offers on what they are really worth, rank them, and check each against the client's settlement floor.
• Severe Weather Alert Check (Live): Pause calls and texts where a hurricane, tornado, flood, wildfire or evacuation warning is active (National Weather Service).
• Skip & phone vendor catalog (Live): 152 skip, phone, property, court and employment data vendors with list price, price basis, measured hit rate, effective cost per hit and resale status.
• Skip Pretexting Check (Live): Skip tracer calling a bank or phone company? GLBA 6821 and 18 U.S.C. 1039 pretexting bans, with the exceptions.
• Skip Queue & Return Normalizer (Live): Pick which accounts need a skip trace, then turn the skip vendor's return file into clean phones, addresses and deceased or bankruptcy holds.
• Skip Vendor Scorecard (Live): Compare skip-trace vendors on hit rate, right-party contact rate, wrong-number rate and cost per right-party contact, and get a waterfall order, with FCRA and Safeguards Rule checks.
• Skip-trace waterfall (Sandbox): Cheapest-first skip tracing that stops at the first new phone and never exceeds your budget cap. Free quote; billed at the vendor cents actually spent times the markup. Shadow mode until vendor keys are set.
• Small-Balance Treatment Planner (Live): Stop losing money on small balances: the most profitable treatment per account, and the break-even balance for each channel.
• SMS delivery gateway (Sandbox): Texts through Twilio, Telnyx, ClickSend or ClearPay Texting, refused unless consent, stop flags, quiet hours, daily/weekly caps and the content lint (opt-out, disclosure, lock-screen preview) pass. Parses inbound STOP/HELP/dispute replies.
• SMS Segment Fitter (Live): Fit a text template to one SMS segment (or the limit you set) for every row: GSM-safe characters, per-field budgets, names trimmed but never links or required lines.
• SMS Send Ramp Planner (Live): Plan today's text volume for a warming sender pool: ramp-day cap, per-number limits, per-time-zone send windows in UTC, and slow down or pause from yesterday's STOP and block rates.
• Social Media Contact Gate (Live): Before you message, friend or look up a consumer on social media: what Reg F allows and what it bans.
• South Carolina Payday Loan Collection Check (Live): Collecting a South Carolina payday loan? S.C. Code 34-39: $550 / 15% / 31-day caps, one fee, no renewals or returned-check charges, cooling-off, no threats.
• South Dakota Money Lender Collection Check (Live): Collecting for a South Dakota licensed lender? SDCL 54-4-77: no false claims or threats, no early post-dated deposits, no blocked or misleading caller ID.
• Spouse Signature Check (Live): Collecting from a borrower's spouse? ECOA / Reg B signature rules: personally liable, collateral-only, or open to an ECOA challenge.
• SSN Validity Screen (Live): Screen SSNs in a placement or skip file for impossible numbers, ITINs, advertising and placeholder numbers, and duplicates.
• State Business Entity Lookup (Live): Secretary of State business records for NY, CO, OR and CT: legal name, status, entity ID and filing addresses.
• State Registration Fee Estimator (Live): Budget your agency's state license, surety bond, branch, collector and NMLS fees from your own fee schedule: a month-by-month cash-flow, totals by state, annual run-rate and what is due in the next 90 days.
• Student Loan Rehab Estimator (Live): Defaulted federal student loan: the reasonable and affordable rehabilitation payment and progress toward nine of ten on-time payments.
• Successor In Interest Check (Live): Borrower died or the house passed to family? Reg X successor-in-interest deadlines, rights and the due-on-sale bar.
• Suppression List Builder (Live): Merge your cease, attorney, bankruptcy, deceased, do-not-call and wrong-number lists into one clean suppression set, and scrub a dial load against it.
• Tax Refund Season Planner (Live): Plan refund-season outreach: when each consumer's federal refund is likely to land, and the best dates to reach out.
• Telephony Invoice Auditor (Live): Check your voice vendor's bill against your rate card and call log: rounding and minimum overcharges, zero-second charges, duplicate records and calls you never placed.
• Tennessee Payday Loan Collection Check (Live): Collecting a Tennessee payday loan? Tenn. Code 45-17-112: 15% fee cap, 31-day term, no handling charge or attorney fees, no prosecution, two checks / $500 max.
• Texas Payday & Title Loan (CAB) Collection Check (Live): Collecting a Texas payday or title loan via a credit access business? Fin. Code 393 and 392.301: license, fees, MLA, no criminal or seizure threats.
• Third-Party Authorization Check (Live): A spouse, parent, POA agent or debt settlement company is asking about an account. May you discuss it?
• Treasury Exchange Rates (Live): Official US Treasury reporting exchange rates (quarterly) for 150+ currencies, with USD conversion.
• Treasury Offset Referral Check (Live): Referring federal nontax debt for tax refund offset? 31 CFR 285.2 certification: $25 floor, 60-day notice, review windows.
• Trust Account Reconciliation (Live): Three-way reconcile a collection agency's client trust account: adjusted bank balance vs trust ledger vs client balances, with money held past the remit window and conversion red flags.
• USAspending Recipient Search (Live): Does a business debtor get federal contracts, grants or loans? Award totals, agencies and UEI from USAspending.gov.
• Utah Payday Loan Collection Check (Live): Collecting a Utah payday loan? Utah Code 7-23-401/-403: no criminal threats, workplace limits, extended payment plan hold, 30-day notice before suit.
• Validation Period Tracker (Live): When does the dispute window close, and can you keep collecting? Tracks the validation period, disputes and verification for each account.
• Vehicle Recall Check (Live): Open NHTSA safety recalls for auto collateral by VIN or make/model/year, with park-outside and do-not-drive warnings.
• Vendor Oversight Check (Live): Are you overseeing your collection agencies, law firms and vendors the way regulators expect?
• Vermont Legal Rate / Unlicensed Lender Collection Check (Live): Collecting a Vermont loan? 9 V.S.A. 41a caps (24%/12%, 18%, 20%); above them not enforceable (8 V.S.A. 2233), willful = half principal only (50(b)).
• VIN Decode (Live): Decode up to 50 VINs at once (year, make, model, body, plant) with the NHTSA vPIC public decoder.
• Violation Exposure Estimator (Live): Size the statutory damages risk of a compliance incident: FDCPA, TCPA, FCRA or EFTA, individual or class, plus when claims expire.
• Virginia Consumer Finance Collection Check (Live): Collecting a Virginia consumer loan? Unlicensed lender over 12% = void, nothing collectable (6.2-303, 6.2-1501); licensee capped at 36% (6.2-1520).
• Virginia Short-Term Loan Collection Check (Live): Collecting a Virginia short-term or title loan as the licensee? Va. Code 6.2-1816/6.2-2215: contact purposes, debit retry limits, 60-day suit wait.
• Voicemail drop (limited-content) (Sandbox): Renders only the Reg F limited-content voicemail (free text rejected), counts the drop as a call for 7-in-7, requires prerecorded-voice consent and the calling window, then delivers through a ringless-voicemail vendor. Needs legal sign-off before live.
• Vulnerable Consumer Flagger (Live): Flag accounts that need extra care (older consumers, disability, cognitive concern, illness, bereavement, language, POA, domestic violence, disaster, military) and route each one to the right handling, with steps your team and AI voice agents can follow.
• Washington Payday Loan Collection Check (Live): Collecting a Washington payday (small) loan? RCW 31.45.082: one NSF fee, no attorney fees in a bad-check suit, 3 contacts a week, no home calls 9 p.m.-7:30 a.m.
• Washington Usury Collection Check (Live): Collecting a Washington private loan? Cap is the higher of 12% or T-bill + 4 (RCW 19.52.020); above it recovery = principal less 2x interest paid.
• West Virginia Regulated Consumer Loan Collection Check (Live): Collecting a West Virginia loan above 18%? 46A-5-101(2): unlicensed lender = void, no principal or finance charge owed; licensed caps 31/27/18%.
• Wisconsin Payday Loan Collection Check (Live): Collecting a Wisconsin payday loan? Wis. Stat. 138.14: 2.75%/month post-maturity cap, one $15 dishonor charge, one presentment, 4-installment repayment offer.
• Workplace Contact Gate (Live): Before you call a consumer at work, email a work address or talk to their employer: what the FDCPA, Reg F and California allow.
• Wyoming Payday Loan Collection Check (Live): Collecting a Wyoming payday loan? W.S. 40-14-363 to -366: $30 / 20% charge, one-month term, no refinancing, extended payment plan, $30 returned-check fee.
• ZIP Place Lookup (Live): Resolve a US ZIP code to city, state, lat/lng and possible timezones.
• Agent Utterance Guard (Coming soon): Check every line your voice or chat agent is about to say: allow, revise or block, with the rule and a safer line
• AI Voice Recovery Agent (Coming soon): A hardened AI voice pathway: private name check, AI self-identification, server-side verification, exact disclosure, server-approved offers and a private payment page.
• Attorney Letter Check (Coming soon): A collection letter that looks like it comes from a lawyer must have real attorney involvement. Check it first.
• Attorney Representation Gate (Coming soon): The consumer has a lawyer. Before anyone calls: may you contact the consumer, or only the attorney?
• Bankruptcy Impact Check (Coming soon): What a chapter 7, 11, 12 or 13 filing means for one account right now: stop, collateral only, or collect after review, plus every deadline.
• Call Recording Transcriber (Coming soon): Transcribe collection call recordings with your own Deepgram, AssemblyAI or OpenAI key, behind a recording consent gate.
• Caller ID Selector (Coming soon): Pick an owned, healthy, local caller ID for every call. Never spoofed.
• Chain of Title Check (Coming soon): Can you prove you own this purchased debt? Check every transfer before a demand, a lawsuit or a resale.
• Collection License Check (Coming soon): Before you collect in a state: does your activity need a collection-agency license, registration or bond there, and are the licenses you hold current?
• Collections Prompt Library (Coming soon): 16 tested prompts for collection calls, disputes, letters, texts and emails, each with guardrails and an output schema
• Collector Onboarding Check (Coming soon): Is a new collector ready to work? Licenses, registration, training, background check rules and access controls.
• CRM Sync Connectors (Coming soon): Map Debt Catalyst and QuickBooks records to one account schema, dry-run the diff, then push notes and payments with your own keys.
• Deceased & Bankruptcy Screen (Coming soon): Turn obituary and bankruptcy search results into a conservative verdict for human review before first contact.
• Dialer Pacing Calculator (Coming soon): How many lines per agent your predictive dialer can run while staying under 3% abandoned calls.
• Dispute Intake & Response Drafter (Coming soon): Classify a consumer dispute, pause collection when required, list the documents to gather and draft a response for human approval.
• Estate Contact Gate (Coming soon): The consumer has died. Before anyone calls: who may hear about the debt, who may be asked to pay, and what never to say to the family.
• FDCPA Coverage Check (Coming soon): Does the FDCPA and Reg F apply to you on this account? Debt, debt collector and state-law tests in one call.
• Form 1099-C Check (Coming soon): Settled or wrote off a debt? Know whether a Form 1099-C is required, who files it, for how much and by when.
• Hospital ECA Gate (Coming soon): Collecting for a nonprofit hospital? Know when credit reporting, a sale or a lawsuit becomes allowed under IRS 501(r).
• Identity Theft Claim Handler (Coming soon): The consumer says it is identity theft. What to stop, what to send, and by when.
• Inbound Email Triage (Coming soon): Sort consumer emails and replies into queues, catch disputes, cease and attorney notices, and get safe draft replies.
• Inbound SMS Responder (Coming soon): Classify a consumer's text back and get the next step: a pre-approved template reply or a human-queue item, plus the opt-out, attorney and wrong-party restrictions to record. Never sends texts.
• Interest & Fee Legality Check (Coming soon): Before you add or demand interest, a collection fee, a pay-by-phone fee or a late fee: is it authorized by the agreement or by law?
• Judgment Interest Calculator (Coming soon): Post-judgment interest, payments and payoff for a consumer judgment, by state, before you send a demand.
• Language Access Check (Coming soon): Collecting from consumers who prefer Spanish or another language: translated notices, Spanish offers and city and state rules.
• Litigation Readiness Check (Coming soon): Before you file a collection lawsuit: limitations, venue, attorney review, documents and debt-buyer rules in one check.
• Medical Debt Reporting Gate (Coming soon): Before a medical collection goes to the credit bureaus: state bans, the $500 floor, the 1-year wait and paid-account deletions.
• Owedly Desk/Resolve Agent Pack (Coming soon): Routing skill plus desk (business) and resolve (consumer) bootstrap prompts for agents working through Owedly, with no-PII and fail-closed rules
• Permissible Purpose Check (Coming soon): Before you pull a credit report, use skip-trace data or reuse client data: is there a permissible purpose under FCRA, GLBA and DPPA?
• Portfolio Bid Pricer (Coming soon): Bid range in cents on the dollar for a debt portfolio from tape aggregates, with the liquidation curve and every assumption shown.
• Privacy Request Triage (Coming soon): A consumer or credit-repair company asks you to delete their data. What must you do, and by when?
• Record Retention Check (Coming soon): Before you delete collection records: what you must keep, for how long, and what you must dispose of.
• Right-Party Locate Voice Pathway (Coming soon): A Bland conversational pathway whose only job is to reach the right party by name and transfer to a human, with no debt disclosure to anyone else
• Safeguards Rule Check (Coming soon): Does your agency's security program meet the FTC Safeguards Rule, and do you owe the FTC a breach notice?
• SCRA Protection Check (Coming soon): Servicemembers Civil Relief Act screen: 6% interest cap on pre-service debts, military affidavit before a default judgment, and repossession and foreclosure holds.
• Settlement Offer Letter (Coming soon): Write a lump-sum or payment-plan settlement offer with the right disclosures, honest deadlines and the numbers checked.
• TCPA Call Consent Gate (Coming soon): Before the dialer, the prerecorded message or the AI voice agent calls: does this number have TCPA consent?
• Time-Barred Debt Gate (Coming soon): Is the debt past the statute of limitations? Blocks suit and threat of suit on time-barred debt and lists the state time-barred disclosures.
• Validation Notice Builder (Coming soon): The Reg F validation notice, built from your account facts: itemization, dispute deadline and state paragraphs included.
• Voice Call Launcher (Coming soon): One preflight across restrictions, calling hours, 7-in-7 and TCPA consent, then launch your voice agent call.
• Voice Pathway Linter (Coming soon): Find compliance holes in your Bland, Vapi or Retell call flow before a single call goes out
• Wage Garnishment Estimator (Coming soon): The most that can lawfully come out of one paycheck after a judgment: federal CCPA limits, support and student loan rules, state bans and caps, and protected bank balances.
• Written Disclosure Check (Coming soon): Check a collection letter, email or text before it goes out: mini-Miranda, Reg F opt-out notice, prohibited threats and state-required notices.

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