Dialer Servicing Terms Check

Live. Servicing terms check before dialing mortgage, card, auto, installment and agency accounts: per account hold / review / ok from the servicing-terms facts on file (PMI still charged at or below 78% of original value or a cancellation request at 80% not acted on, payment sent to the prior servicer during a servicing transfer treated as late or not credited, card rate increase applied to the existing balance, immediate payoff demanded after the cardholder closed the card, escrow surplus of $50 or more not refunded within 30 days, prepayment penalty the contract doesn't list, unearned interest not rebated), whether the AI closer may quote a balance, with reason codes and the notes your closer must follow.

For mortgage servicers, card issuers, auto and installment lenders, debt buyers and agencies running an AI closer or dialer: send as_of (YYYY-MM-DD), optional transfer_grace_days (default 60), surplus_refund_threshold (default 50) and surplus_refund_days (default 30), and accounts (ref, niche, state, plus payments_current, pmi_active, ltv_pct_of_original_value, pmi_cancel_requested, transfer_effective_on, payment_sent_to_prior_on, payment_due_on, prior_payment_treated_late, prior_payment_credited, rate_increase_applied_to none / new_transactions / existing_balance, rate_increase_reason, rate_notice_days, days_delinquent, card_closed_by none / consumer / issuer, closed_after_rejecting_change, immediate_payoff_demanded, charged_off, escrow_surplus, escrow_analysis_on, surplus_refunded, prepayment_penalty_charged, contract_lists_prepayment_penalty, paid_off_early, precomputed_interest, unearned_interest_rebated). Get per account hold (fix it before any call), review (confirm first) or ok, with reason codes, Homeowners Protection Act, RESPA / Regulation X, CARD Act / Regulation Z and FDCPA / Regulation F citations, closer notes and may_quote_balance, plus totals by reason. Pair with Dialer Payment Handling Check and Can Call Now. Refs, states, dates, yes/no facts, statuses, percentages and amounts only; phones, names, addresses, card, loan and policy numbers, case numbers, notes and keys are refused. Nothing stored. Operations aid, not legal advice.

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

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