Dialer Debt Buyer Protections Check

Live. Debt buyer and purchased-debt check before dialing: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; no bill of sale; chain of title gaps; missing account-level documents; original creditor unknown; debt buyer license required but not on file; no validation notice from the current owner; time-barred purchased debt and revival states; interest or fees added after charge-off; balance not matching the charge-off balance; accounts resold more than once; lawsuits; payment plans), whether the closer may quote a balance or mention a lawsuit, and whether the time-barred disclosure is required. $0.0005 per account. Operations aid, not legal advice.

For debt buyers, agencies working purchased paper, collection law firms and servicers, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, owner_role debt_buyer / agency_for_debt_buyer / original_creditor / agency_for_original_creditor / unknown, plus yes/no facts: creditor_authority_on_file, dispute_open, bankruptcy_filed, bill_of_sale_on_file, chain_of_title_complete, account_documents_on_file, original_creditor_identified, buyer_license_required, buyer_license_on_file, validation_notice_sent_by_owner, time_barred, revival_state, post_chargeoff_interest_or_fees_added, balance_matches_chargeoff, resold_more_than_once, lawsuit_planned, payment_plan_requested). Returns hold / review / ok per account, may_quote_balance, may_mention_lawsuit, must_give_time_barred_disclosure, reason codes with citations and closer notes. Names, account numbers, creditor, seller and buyer names, case and license numbers and SSNs are refused. Nothing is stored. Run Can I Call Now per call. Operations aid only, not legal advice.

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

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