Dialer Hospital ECA Protections Check

Live. Nonprofit hospital 501(r) check before dialing: per account hold / review / ok from the facts on file (extraordinary collection action inside the 120-day notice period; 30-day written notice missing; financial assistance application pending; FAP-eligible patients whose actions must be reversed and overpayments refunded; 240-day application window; disputes; attorney; bankruptcy), plus whether the closer may contact, demand payment, quote a balance or start the planned action. Never threatens reporting, a suit or a sale early or while assistance is pending. Facts only, nothing stored. Not for repo surplus, e-sign, reverse mortgage, spot delivery, rent-to-own, vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation or credit-repair.

For nonprofit (501(c)(3)) hospitals, their collection agencies and debt buyers, and anyone running an AI closer or dialer on hospital patient balances: send as_of (YYYY-MM-DD) and accounts (ref, niche medical / hospital / generic, state, first_statement_date, written_eca_notice_date, eca_planned credit_reporting / lawsuit / debt_sale / lien / garnishment / deferral_of_care / other / none, plus yes/no facts: creditor_authority_on_file, nonprofit_hospital, financial_assistance_application_pending, fap_eligible, paid_more_than_fap_amount, dispute_open, bankruptcy_filed, attorney_represented, consumer_purpose, payment_plan_requested). Get hold / review / ok per account with reason codes (hospital_eca_notice_period, hospital_eca_notice_missing, hospital_fap_pending, hospital_fap_eligible_eca_reversal, hospital_fap_refund_due, hospital_fap_window_info and more), citations (26 U.S.C. 501(r)(4)-(6); 26 CFR 1.501(r)-6; the FDCPA and Reg F) and closer notes, and may_contact, may_demand_payment, may_quote_balance, may_start_eca and may_add_fees flags (may_add_fees is always false). Refs, dates and yes/no facts only: patient / hospital names, amounts, MRNs, diagnosis codes and PII are refused. Billed per account (up to 5000, minimum 1); nothing stored. For one account's full 501(r)(6) timeline with debt-buyer terms, use Hospital ECA Gate. Operations aid, not legal advice. Carved from dialer-contract-protections-check (AI14600).

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

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