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.

For agencies, creditors, debt buyers, BNPL and EWA providers, servicers, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, product_type pay_in_4 / bnpl_installment_loan / earned_wage_access_employer / earned_wage_access_direct / small_dollar_app_loan / unknown, failed_payment_attempts, plus yes/no facts: creditor_authority_on_file, dispute_open, bankruptcy_filed, attorney_represented, merchant_return_or_refund_pending, merchant_dispute_open, non_recourse_terms, autopay_authorization_revoked, payroll_deduction_planned, late_fees_added_beyond_agreement, interest_added_beyond_agreement, plan_accelerated, acceleration_allowed_by_agreement, credit_reporting_planned, lawsuit_planned, payment_plan_requested). Get hold / review / ok per account with reasons, citations (FDCPA, Reg F, EFTA / Reg E, NACHA re-presentment limits, FCRA, state EWA laws) and closer notes, plus may_contact_consumer, may_demand_payment, may_retry_autopay and may_quote_balance. Names, merchant, employer and lender names, account, order, routing and bank numbers and other PII are refused. Billed per account. Operations aid, not legal advice.

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

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