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.

For mortgage servicers, student loan servicers, banks and credit unions, card issuers, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD), optional card_cutoff_time (HH:MM, default 17:00, not earlier), and accounts (ref, niche, state, contact_role, plus days_delinquent, foreclosure_referral_planned, loss_mit_application_complete, loss_mit_decision_made, escrow_account, escrow_disbursement_due_date, escrow_disbursement_paid, force_placed_insurance_charged, force_placed_notices_sent, loan_program federal / parent_plus / private / unknown, borrower_deceased, student_deceased, loan_origination_date, eft_error_claim_open, eft_claim_date, provisional_credit_given, account_paid_or_settled, paid_date, reported_balance_after_paid, credit_report_updated, card_payment_due_date, card_payment_received_date, card_payment_received_time, late_fee_charged, due_date_no_mail_day, due_date_varies). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, RESPA / Regulation X, HEA death discharge, TILA cosigner release, EFTA / Regulation E, FCRA / Regulation V, CARD Act / Regulation Z and FDCPA / Regulation F citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Borrower Rights Check and Can Call Now. Refs, states, roles, dates, times and yes/no facts only; phones, names, addresses, card, loan and policy numbers, case numbers, notes and keys are refused. Nothing stored. Operations aid, not legal advice.

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

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