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.

For auto lenders and BHPH dealers, card issuers, mortgage servicers, installment lenders, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD), optional direct_dispute_window_days (default 30), and accounts (ref, niche, state, contact_role account_holder / joint_holder / cosigner / authorized_user / other_third_party / unknown, plus seller_claim_raised, holder_notice_in_contract, seller_claim_resolved, card_purchase_claim_raised, rescindable_transaction, consummation_date, rescission_notice_given, material_disclosures_given, rescission_notice_received, notice_of_error_received, notice_of_error_date, notice_of_error_acknowledged, notice_of_error_resolved, adverse_reported_during_notice, info_request_open, interest_waived_after_chargeoff, waived_interest_reinstated, direct_dispute_received, direct_dispute_date, direct_dispute_resolved, reported_as_disputed, frivolous_notice_sent). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, FTC Holder Rule, Regulation Z rescission and card claims, RESPA / Regulation X, FCRA / Regulation V and FDCPA / Regulation F citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Fee Terms Check and Can Call Now. Refs, states, roles, dates 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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