Dialer Lending Protections Check

Live. Lending protections check before dialing auto, title loan, pawn, payday and medical self-pay accounts: per account hold / review / ok from the facts on file (GAP claim pending or not applied after a total loss, pawn item forfeited with the rest of the loan demanded, payday extended payment plan requested and denied, a debit retried after two failed attempts with no new authorization, collateral reported stolen over nonpayment, a self-pay bill $400 or more over the good faith estimate with a patient-provider dispute pending or the 120-day window still open), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.

For auto and title lenders, pawn shops, payday and installment lenders, medical revenue cycle teams, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, state, plus gap_purchased, total_loss, gap_applied, gap_claim_pending, deficiency_demanded, pawn_loan, item_forfeited, personal_payment_demanded, payday_loan, extended_plan_required, extended_plan_requested, extended_plan_offered, failed_debit_attempts, debit_planned, new_authorization, financed_vehicle, stolen_report_planned, self_pay_patient, good_faith_estimate, billed_amount, bill_date, gfe_dispute_filed, collection_planned). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, state GAP, pawnbroker and payday lending laws, NACHA reinitiation limits, the No Surprises Act patient-provider dispute rules and FDCPA / Regulation F / FTC Act citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Contract Protections Check and Can Call Now. Refs, states, yes/no facts, dates and amounts only; phones, names, addresses, card, loan, routing and bank account numbers, pawn tickets, pawnshop, insurer, provider and lender names, notes and keys are refused. Nothing stored. Operations aid, not legal advice.

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

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