Dialer Refund Advance Protections Check

Live. Tax refund advance check before dialing (refund advances, refund anticipation loans, refund transfers and preparer fees): per account hold / review / ok from the facts on file (product type; refund status; no creditor authority; open disputes; bankruptcy; attorney representation; refunds pending or frozen; short or offset refunds on non-recourse, unconfirmed or recourse terms; advances already repaid from the refund; fees not disclosed or beyond the disclosure; unpaid refund remainders; credit reporting or lawsuits over non-recourse or not-yet-issued refunds; payment plans), and whether the closer may contact the consumer, demand payment or quote a balance, with reason codes and closer notes. Keyless, nothing stored, not legal advice.

For agencies, creditors, debt buyers, refund advance lenders, tax preparers and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, product_type refund_advance / refund_anticipation_loan / refund_transfer / preparer_fee / unknown, refund_status pending / issued / short / offset / frozen / unknown, plus yes/no facts: creditor_authority_on_file, dispute_open, bankruptcy_filed, attorney_represented, non_recourse_terms, refund_received, advance_repaid_from_refund, fees_disclosed, fees_within_disclosure, remainder_paid_to_consumer, credit_reporting_planned, lawsuit_planned, payment_plan_requested). Get hold / review / ok per account with reasons, citations (FDCPA, Reg F, FCRA, TILA / Reg Z, the advance or loan agreement and fee disclosures, state RAL and UDAP laws) and closer notes, plus may_contact_consumer, may_demand_payment and may_quote_balance; may_threaten_tax_consequences is always false. Taxpayer, spouse, preparer, bank and lender names, SSNs / ITINs, EFINs / PTINs, tax years, refund and advance amounts, addresses, account and routing numbers and other PII are refused. Billed per account. Operations aid, not legal advice.

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

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