Interest & Fee Legality Check

Coming soon. Before you add or demand interest, a collection fee, a pay-by-phone fee or a late fee: is it authorized by the agreement or by law?

Checks each charge against FDCPA 1692f(1) and Reg F 12 CFR 1006.22(b) (only amounts expressly authorized by the agreement or permitted by law): contract and judgment interest rates, interest waived after charge-off when the creditor stopped sending periodic statements (Reg Z 12 CFR 1026.5(b)(2)(i)), a partial state legal-rate table (New York including the 2% rate on consumer-debt judgments, Texas, California, Illinois), percentage versus actual-cost collection fees, the CFPB pay-to-pay fee advisory opinion (87 FR 39733), medical-debt and time-barred cautions, and the Reg F 1006.34(c)(2)(viii) itemization math. Returns compliant, review or violations_found with citations. Amounts only. Early access pending legal review. Not legal advice.

Status: Coming soon. Pricing is set at launch.

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