Dialer Cosigner Joint Liability Protections Check

Live. Cosigner, guarantor and joint liability check before dialing: per account and party hold / review / ok from the facts on file (who the person is on the account: primary, cosigner, guarantor, joint holder, authorized user, non-signing spouse, ex-spouse or unknown; no creditor authority; open disputes; bankruptcy; attorney representation; signed liability document missing; FTC cosigner notice missing; Chapter 13 co-debtor stay; deceased primary; community property states; divorce decrees; credit reporting on people who are not liable; lawsuits; voluntary payment plans), whether the party is liable and whether the closer may contact them, discuss the debt, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored.

For agencies, creditors, debt buyers, collection law firms and servicers, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, party_role primary / cosigner / guarantor / joint_holder / authorized_user / spouse_non_signer / ex_spouse / unknown, plus yes/no facts: creditor_authority_on_file, dispute_open, bankruptcy_filed, attorney_represented, liability_document_on_file, cosigner_notice_given, community_property_state, divorce_decree_assigns_to_other_party, primary_in_chapter13, primary_deceased, business_purpose_debt, credit_reporting_planned, lawsuit_planned, payment_plan_requested). Get back hold / review / ok per account, party_is_liable, may_contact_party, may_discuss_debt_with_party, may_demand_payment_from_party and may_quote_balance, reason codes with citations (FDCPA 1692c(a)(2), 1692c(b), 1692c(d), 1692e, 1692f(1), 1692g(b); Reg F 1006.6, 1006.18; FTC Credit Practices Rule 16 CFR 444.3; ECOA Reg B 1002.7(d), 1002.10; FCRA 1681s-2(a); 11 U.S.C. 362(a), 1301) and plain closer notes, plus a summary. No names of borrowers, cosigners, guarantors, spouses or ex-spouses, account numbers or case numbers accepted; refs only. Not legal advice.

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

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