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.

Applies Reg F 12 CFR 1006.30(b): a debt collector may not sell, transfer for consideration or place for collection a debt it knows was paid or settled, discharged in bankruptcy, or is subject to an identity theft report (also FCRA 615(f) for any seller). Applies the exceptions (return to the owner when the contract allows, securitization or pledge, merger or asset transfer), blocks open bankruptcies on placement and recalled accounts, and lists the statuses the new holder must receive: unverified disputes, stop requests, attorneys, deceased consumers, servicemembers, time-barred debts and identity-theft claims without a report. Returns clear_to_transfer, review_before_transfer or remove_blocked_accounts with counts. Account IDs and status flags only; up to 20,000 accounts per call. Not legal advice.

Price: $0.001 per record after 1,000 free per month.

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