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.

For card issuers, banks and credit unions, consumer finance lenders, mortgage servicers, landlords, auto lenders, merchants, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, state, plus deposit_setoff_planned, deposit_hold_for_card, autopay_authorized_in_writing, autopay_revoked, household_goods_security_interest, purchase_money_item, household_goods_seizure_planned, mortgage_charged_off, periodic_statements_sent, interest_or_fees_for_no_statement_period, collection_resumed, resume_notice_sent, active_duty_servicemember, lease_type residential / vehicle / none / unknown, lease_termination_notice_given, billed_after_lease_termination, early_termination_fee_charged, obligation_predates_service, seizure_planned repossession / foreclosure / none, court_order_obtained, service_end_date, unordered_merchandise_billed). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, TILA / Regulation Z, FTC Credit Practices Rule, SCRA, 39 U.S.C. 3009 and FDCPA / Regulation F citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Account Protections Check and Can Call Now. Refs, states, dates and yes/no facts only; phones, names, addresses, card, loan and order numbers, units, ranks, product names, 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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