Dialer Disaster Protections Check

Live. Disaster protections check before dialing consumers in a declared disaster area (hurricane, flood, wildfire, tornado, storm) on mortgage, auto, card, student, tax, medical, utility, rent, BNPL, payday and overdraft accounts: per account hold / review / ok from the facts on file (no assignment or placement from the creditor; open disputes; displaced or evacuated consumers; FEMA or other disaster aid targeted for payment; pending disaster hardship requests; federally backed mortgage foreclosures inside the 90-day disaster moratorium; other enforcement in a disaster area; federal student loan disaster forbearance; IRS disaster postponements; pending disaster insurance claims; credit reporting and fees on agreed disaster accommodations) and whether the closer may quote a balance. Not legal advice.

For agencies, servicers, lenders and creditors working accounts in declared disaster areas, and anyone running an AI closer or dialer on them: send as_of (YYYY-MM-DD) and accounts (ref, niche, optional declaration_date, plus creditor_authority_on_file, dispute_open, disaster_declared_area, consumer_displaced, disaster_aid_targeted, hardship_request_pending, foreclosure_or_repo_planned, federally_backed_mortgage, federal_student_loan, irs_tax_debt, irs_postponement_active, insurance_claim_pending, disaster_accommodation_agreed, credit_reporting_planned, fees_added_during_accommodation). Get hold / review / ok per account, may_quote_balance, reason codes with citations and closer notes. No names, phone numbers, addresses, counties, shelters, SSNs, FEMA registration, claim, policy or loan numbers, account numbers or notes are accepted. Nothing is stored. Not legal advice; programs and state laws vary.

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

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