Dialer Rent-to-Own Protections Check

Live. Rent-to-own / lease-purchase / rental-purchase check before dialing: per account hold / review / ok from the facts on file (account type; no creditor authority; returned item with remaining payments demanded; early-purchase / cash-price mismatch; reinstatement window open with excess demand; disputes; attorney; bankruptcy), plus whether the closer may contact, demand payment, quote a balance or add fees. Never says a returned RTO item still owes remaining payments, never denies an early-purchase cash-price buyout, never inflates payoff past the disclosed cash price, never refuses reinstatement when the state window is open. Facts only, nothing stored. Not for vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation, credit-repair, spot delivery, repo surplus, reverse mortgage, hospital ECA or e-sign.

For rent-to-own merchants, agencies and anyone running an AI closer or dialer on unpaid rent-to-own, lease-purchase or rental-purchase balances: send as_of (YYYY-MM-DD) and accounts (ref, niche rent_to_own / retail / generic / bhph / auto, account_type rent_to_own / lease_purchase / rental_purchase / other / unknown, plus yes/no facts: creditor_authority_on_file, rent_to_own, item_returned, remaining_payments_demanded, early_purchase_requested, cash_price_disclosed, payoff_exceeds_cash_price, reinstatement_requested, reinstatement_window_open, past_due_only_owed, dispute_open, bankruptcy_filed, attorney_represented, consumer_purpose, payment_plan_requested). Get hold / review / ok per account with reason codes, citations (state rental-purchase / rent-to-own acts; 15 U.S.C. 45; the FDCPA and Reg F; 11 U.S.C. 362) and closer notes, and may_contact, may_demand_payment, may_quote_balance and may_add_fees flags (may_add_fees is always false). Refs and yes/no facts only: consumer names, merchant names, serials and PII are refused. Billed per account (up to 5000, minimum 1); nothing stored. Operations aid, not legal advice. Carved from dialer-contract-protections-check (AI14300). Not for vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation, credit-repair, spot delivery, repo surplus, reverse mortgage, hospital ECA or e-sign.

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

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