Dialer Commercial Debt Protections Check

Live. Commercial debt check before dialing on business cards, business loans, lines of credit, merchant cash advances, equipment leases, trade credit, commercial rent and SBA loans: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; consumer-purpose debts; owners called with no signed personal guaranty or a released guaranty; dissolved entities; personal asset seizure or bank freeze / levy plans with no judgment; confessions of judgment; merchant cash advance reconciliation requests; planned customer or vendor contact; spouse or employee contact; collector licensing; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.

For agencies, debt buyers, commercial creditors, MCA funders and law firms, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, debtor_type business / sole_proprietor / guarantor, optional judgment_date, plus creditor_authority_on_file, dispute_open, bankruptcy_filed, consumer_purpose, personal_guaranty_on_file, guarantor_released, entity_dissolved, judgment_obtained, confession_of_judgment_used, confession_entered_out_of_state, reconciliation_requested, customer_or_vendor_contact_planned, account_freeze_or_levy_planned, personal_assets_targeted, spouse_or_employee_contacted, collector_licensed, payment_plan_requested). Each account gets hold / review / ok, reasons with citations (FTC Act section 5; state commercial collection licensing and small-business UDAP laws; state confession of judgment limits; the bankruptcy stay), plain closer notes and whether the closer may quote a balance. Up to 5000 accounts per call. Facts only: names, EINs, SSNs and other PII are refused, and nothing is stored. Operations aid, not legal advice.

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

DebtLayer · Tools · Free tools · Docs · support@debtlayer.io