Dialer Spot Delivery Protections Check

Live. Spot delivery / yo-yo financing check before dialing: per account hold / review / ok from the facts on file (spot delivery with financing not final; down payment or trade-in withheld; new terms requested; disputes; attorney; bankruptcy), plus whether the closer may contact, demand payment, quote a balance or add fees. Never presses new terms or keeps a down payment or trade-in when the car financing was never final. Facts only, nothing stored. Not for vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation, credit-repair, rent-to-own, repo surplus, reverse mortgage, hospital ECA or e-sign.

For auto dealers, BHPH lots, agencies and anyone running an AI closer or dialer on unpaid spot-delivery / yo-yo balances: send as_of (YYYY-MM-DD) and accounts (ref, niche auto / bhph / generic / retail, state, plus yes/no facts: creditor_authority_on_file, spot_delivery, financing_final, new_terms_requested, down_payment_or_trade_withheld, dispute_open, bankruptcy_filed, attorney_represented, consumer_purpose, payment_plan_requested). Get hold / review / ok per account with reason codes, citations (state spot delivery / dealer financing law; 15 U.S.C. 45; 15 U.S.C. 1691(d); 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 names, dealer names, VINs 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 (AI14400). Not for vehicle lease, gym, mail-order, timeshare, debt-relief, layaway, home solicitation, credit-repair, rent-to-own, repo surplus, reverse mortgage, hospital ECA or e-sign.

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

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