Dialer Reverse Mortgage Protections Check

Live. Reverse mortgage / HECM survivor and heir check before dialing: per account hold / review / ok from the facts on file (eligible non-borrowing spouse deferral; heirs' 95% payoff; estate / non-recourse review; disputes; attorney; bankruptcy), plus whether the closer may contact, demand payment, quote a balance or add fees. Never tells a surviving spouse they must move out or pay off now, or heirs they must pay more than the lesser of the balance or 95% of appraised value. Facts only, nothing stored. Not for repo surplus, hospital ECA, e-sign, spot delivery, rent-to-own, vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation or credit-repair.

For reverse mortgage / HECM servicers, agencies and anyone running an AI closer or dialer on survivor / heir balances: send as_of (YYYY-MM-DD) and accounts (ref, niche mortgage / hecm / reverse_mortgage / generic, state, plus yes/no facts: creditor_authority_on_file, reverse_mortgage, borrower_deceased, eligible_non_borrowing_spouse_in_home, heirs_seeking_payoff, full_balance_demanded, dispute_open, bankruptcy_filed, attorney_represented, consumer_purpose, payment_plan_requested). Get hold / review / ok per account with reason codes, citations (12 U.S.C. 1715z-20(j); 24 CFR 206.55, 206.125, 206.27(b)(8); the FDCPA and Reg F) 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 / spouse / heir names 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 (AI14500). Not for repo surplus, hospital ECA, e-sign, spot delivery, rent-to-own, vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation or credit-repair.

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

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