Dialer Returned Check Protections Check

Live. Returned check protections check before dialing returned, bounced, NSF, stop-payment, closed-account and post-dated check accounts: per account hold / review / ok from the facts on file (no assignment from the payee; stop-payment disputes over the goods or services; civil penalties or treble damages planned without the state written demand or a judgment; returned check fees over the state cap; re-presentment past the limit; electronic debits from the account on the check without authorization; post-dated checks held; check diversion programs; prosecution talk in the script; checks dishonored over 3 years ago) and whether the closer may quote a balance. Billed per account.

For agencies, check recovery vendors and merchants collecting returned, bounced, NSF and stop-payment checks, and anyone running an AI closer or dialer on them: send as_of (YYYY-MM-DD) and accounts (ref, niche, optional dishonor_date, plus payee_assignment_on_file, statutory_written_demand_sent, civil_penalty_planned, civil_penalty_judgment_on_file, returned_fee_planned, returned_fee_within_state_cap, stop_payment_dispute, represent_attempts_exceeded, electronic_debit_planned, debit_authorization_on_file, postdated_check_held, diversion_program_referral, prosecution_mention_planned). Get hold / review / ok per account with reasons, citations (FDCPA 1692e, 1692f, 1692p; Regulation E; ACH rules; Reg F), closer notes and may_quote_balance. Refs and facts only: names, phones, addresses, check, routing and account numbers and MICR lines are refused. Nothing stored, no outside call. Operations aid, not legal advice.

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

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