Dialer Payment Handling Check

Live. Payment handling check before dialing mortgage, card, auto, installment and agency accounts: per account hold / review / ok from the payment-handling facts on file (late fee on a payment that arrived on time, crediting delay, payoff statement not sent within 7 business days, payment applied against the consumer's direction or to a disputed debt, escrow shortage demanded in one lump sum or 12-month spread not offered, lender-placed insurance still active after proof of coverage, settled balance still placed, for sale or sold), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.

For mortgage servicers, card issuers, auto and installment lenders, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD), optional payoff_business_days (default 7) and force_placed_cancel_days (default 15), and accounts (ref, niche, state, plus payment_received_on, payment_credited_on, late_fee_assessed, payoff_requested_on, payoff_sent_on, consumer_directed_allocation, applied_per_direction, applied_to_disputed_debt, escrow_shortage, monthly_escrow_payment, shortage_spread_offered, lump_sum_demanded, force_placed_active, proof_of_coverage_received_on, settled, settlement_paid_complete, remainder_status none / closed / placed / for_sale / sold). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, Regulation Z, RESPA / Regulation X and FDCPA / Regulation F citations, closer notes (never refuse a payoff, never say payments go wherever you choose, never demand an escrow shortage in one lump sum, never say lender-placed insurance can't be removed, never say a settled balance can be sold or collected later, never say a payment that arrived on time posts late) and may_quote_balance, plus totals by reason. Pair with Dialer Refund Credit Check and Can Call Now. Refs, states, dates, yes/no facts, statuses and amounts only; phones, names, addresses, card, loan and policy numbers, insurer names, case numbers, 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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