Hardship Program Matcher

Live. Match each consumer's hardship to the hardship programs you offer, with payments, forgiven amounts and documents, and stop or review flags for bankruptcy, disputes, SCRA and risky wording.

Send your own hardship programs (reduced payment, interest freeze, forbearance or pause, settlement, extended plan; eligible hardships, term, payment percent or minimum, discount, required documents) and the accounts (balance, hardship types, income and expenses or what the consumer can pay, plus status flags). There are no built-in programs: terms come only from you. Each account gets the programs it qualifies for, ranked affordable first with payment programs ahead of pauses, the monthly payment, the total paid in the term, the amount forgiven and the documents to request. Compliance flags: bankruptcy (11 U.S.C. 362) and a disputed debt not yet verified (15 U.S.C. 1692g(b)) stop the offer; active-duty servicemembers get the SCRA 6 percent interest cap (50 U.S.C. 3937); time-barred debts get no-suit and revival warnings (12 CFR 1006.26); medical hardship asks for minimal proof and never the diagnosis; deceased-consumer accounts route to estate handling; proposed messages are scanned for threats, legal-action mentions, false urgency, credit-reporting promises and demands for medical detail (1692e, 1692f); forgiven amounts of 600 dollars or more point to Form 1099-C. Diagnoses and other medical details are refused. Up to 500 accounts per call, billed per account. Nothing is stored. Not legal advice.

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

DebtLayer · Tools · Free tools · Docs · support@debtlayer.io