Dialer Minor Protections Check

Live. Minor, young-consumer and parent check before dialing on credit cards, personal, auto and payday loans, installment purchases, residential leases, private student loans, medical, utility, telecom and gym or membership accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; a minor on the line or a message relayed through a child; accounts held by a minor; parent payment requests, co-signers and parental liability; school, coach and workplace contact; contracts signed while a minor (disaffirmance, necessaries, ratification); foster care history and identity theft; child savings, custodial and 529 requests; credit reporting; under-21 card ability to pay; lawsuits; payment plans), whether the closer may discuss the debt with this contact and whether it may quote a balance. $0.0005 per account. Operations aid, not legal advice.

For agencies, debt buyers, creditors, servicers and law firms, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, contact_role account_holder / parent_or_guardian / other_relative / minor_child / school_or_coach / employer / non_relative / unknown, age_band under_18 / 18_20 / 21_plus / unknown, plus yes/no facts: creditor_authority_on_file, dispute_open, bankruptcy_filed, contact_is_minor, minor_message_relay_planned, emancipated_minor, account_opened_while_minor, disaffirmance_claimed, necessaries_exception_possible, ratified_after_majority, parent_cosigned_or_guaranteed, parental_liability_statute_possible, parent_payment_requested, school_or_workplace_contact_planned, foster_care_history, identity_theft_suspected, child_account_payment_requested, credit_reporting_planned, independent_ability_to_pay_or_cosigner_on_file, call_planned, lawsuit_planned, payment_plan_requested). Returns hold / review / ok per account, may_discuss_debt_with_contact, may_quote_balance, reason codes with citations and closer notes. Names of the consumer, child, parents, caseworkers, schools, coaches or employers, ages, dates of birth, grades, foster or court case numbers and custodial or plan numbers 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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