Early Intervention Check

Live. Delinquent mortgages: day-36 live contact and the day-45 written notice every cycle, with the bankruptcy and FDCPA-cease versions of Reg X.

Send up to 1,000 delinquent home loans with the delinquency start, live-contact attempts, written notices and any bankruptcy or FDCPA cease. Applies Reg X 12 CFR 1024.39: good-faith live-contact efforts by the 36th day of delinquency and again within 36 days of each later due date, the written early-intervention notice by day 45 and again every 180 days, required notice content, the bankruptcy partial exemption (notice 45 days after the petition only when loss mitigation exists, no payment request, discharge rules), and the FDCPA-cease version (no live contact, a foreclosure statement, no payment request, 180/190-day spacing). Small servicers, reverse mortgages and non-principal residences are exempt. Not legal advice. Nothing stored.

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

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