Dialer Servicemember Protections Check

Live. Servicemember check before dialing on credit cards, personal, auto and payday loans, auto and residential leases, mortgages, private student loans, medical and utility accounts: per account hold / review / ok from the facts on file (no creditor authority; open disputes; bankruptcy; active duty or called-up Guard / Reserve routed to a trained human; SCRA 6% rate requests not yet applied; the 180-day post-service window; default judgments without a military status affidavit; repossessions or foreclosures without a court order; lease terminations under orders; Military Lending Act allotment, arbitration and 36% MAPR; chain of command contact; military pay garnishment without a judgment; adverse action for using SCRA rights; waivers; payment plan requests), with reasons, citations, closer notes and may_quote_balance. Not legal advice.

For agencies, debt buyers, creditors, servicers and law firms, and anyone running an AI closer or dialer: send as_of (YYYY-MM-DD) and accounts (ref, niche, military_status active_duty / guard_reserve_called_up / dependent / recently_separated / veteran / not_military / unknown, optional service_start_date, service_end_date, obligation_date and interest_rate_pct, plus creditor_authority_on_file, dispute_open, bankruptcy_filed, status_verified, scra_rate_request_received, rate_reduced_to_6, default_judgment_planned, military_affidavit_filed, repossession_or_foreclosure_planned, court_order_obtained, lease_termination_notice_received, early_termination_fee_billed, mla_covered_borrower, allotment_requested, arbitration_invoked, command_contact_planned, military_pay_garnishment_planned, judgment_obtained, adverse_action_for_scra_planned, waiver_signed, payment_plan_requested). Each account gets hold / review / ok, reasons with citations (Servicemembers Civil Relief Act; Military Lending Act; DoD indebtedness and involuntary allotment rules; FDCPA and Reg F; the bankruptcy stay), plain closer notes and whether the closer may quote a balance. Up to 5000 accounts per call. Facts only: names, EDIPI / DoD IDs, SSNs, units, orders text and other PII are refused, and nothing is stored. Operations aid, not legal advice.

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

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