№ 001Agentic counsel for the FDCPA era

Pleadwright.
A deputy associate who never misses a validation window.

Pleadwright drafts and audits every consumer touchpoint — demand letters, state-specific complaints, skip-trace lookups, SMS, email, and voice. Supervised pilot workflows stage outbound work for partner approval, with rule citations attached so you can sign the work like your own.

  • $2.5TU.S. consumer debt added since 2019
  • 19% → 79%Law-firm AI adoption in a single year
  • ~200Matters/month where most boutique firms live
Matter 2026-0419 · Demand letter
v3 · ready for review
01

Pulled account statements

SIMULATED

CRM-shaped ingest artifact · 142 line items ingested.

02

Computed validation window

30-day FDCPA clock · initial communication 2026-04-03.

03

Drafted demand letter

State template: NY coverage matrix · safe-static only.

04

Citation check

15 USC §§ 1692g / 1692e / 1692d · 12 CFR §§ 1006.34 / 1006.18 / 1006.14 · all green.

View audit trail →

05

Dispatched via certified mail

SIMULATED

Synthetic tracking placeholder · pending partner sign-off.

Every step logged with citation-ready rationale ↗

30 daysFDCPA validation window

Pleadwright computes the deadline from the initial communication date, not the upload date.

8 a.m.–9 p.m.TCPA local-time call window

Per consumer timezone, with revocation opt-outs honored on the next dispatch pass.

11 linesMini-Miranda on first contact

Verbatim text, present at the top of every voice script, email, and SMS.

§ 02Capabilities

Four agentic workflows, one rule library.

Encoded directly into the dispatch logic — not bolt-on guardrails that a junior has to remember.

rule-cited
PILOT

Demand letter drafting & dispatch

State-aware templates ingest the ledger, surface validation-period math, and prepare a certified-mail dispatch for partner approval in a supervised pilot.

TX + FL + CA complaint templates ship today. The remaining state UDAP scope is planned (see /coverage).

rule-cited

State-specific complaints & pleadings

Generates complaints with citation-ready language per jurisdiction; partner reviews the red-line before filing.

Mini-Miranda verbatim on first contact.

rule-cited
PILOT

Skip-trace orchestration

Coordinates consumer-facing lookups across multiple channels; in a supervised pilot, validated contacts are proposed for matter-file capture rather than treated as a live external write-back.

Stale-source fallback to documented channels; cadence governed by connector policy.

rule-cited

SMS · email · voice sequencing

Times reminders inside TCPA windows per consumer TZ, sequencing channels without overstaying demand-letter pauses.

Revocations honored on next pass.

§ 03Workflow

From intake to audit, the agent drafts a deputy associate's day.

Each stage produces a reviewable artifact with the underlying statutory citation attached. Partner signs the artifact, not the prompt.

  1. 01

    Ingest & index

    Pulls account statements, prior correspondence, and consent records into a single matter graph keyed by consumer ID.

  2. 02

    Compute the clock

    § 15 U.S.C. § 1692g(a)–(e) · 12 C.F.R. § 1006.34

    Records a clearly labeled product deadline while keeping the legal 30-day period anchored to notice receipt.

    ReferenceCanonical Model B-1 reference

  3. 03

    Draft on the state template

    § Mini-Miranda + state overlays

    Generates demand letters, complaints, and pleadings that match the firm’s house style, with Mini-Miranda on first-contact scripts.

  4. 04

    Sequence the channels

    § 47 C.F.R. § 64.1200(c)(1)

    Schedules SMS, email, and voice within local-time TCPA windows, with revocation tokens honored on the next dispatch pass.

  5. 05

    Log the rationale

    § Audit-grade provenance

    Every dispatch writes a citation-backed entry to the matter log; partner sign-off adds a human-stamped line.

§ 04Compliance

The rule library is the product.

Other tools bolt on a checklist. Pleadwright encodes timing, disclosure, and consent directly into each workflow — so the agent can’t draft past the guardrails even when the partner is heads-down.

  • FDCPA

    Validation & dispute

    30-day validation periods, dispute acknowledgment windows, and dispute-investigation tracking — all stamped into the matter timeline.

  • TCPA

    Call window & revocation

    Local-time 8 a.m.–9 p.m. windows per consumer TZ, with the latest revocation mechanics honored across SMS, email, and voice.

  • Mini-Miranda

    First-contact disclosure

    Verbatim on the first outbound of every channel — present at the top of every voice script, email, and SMS the agent drafts.

  • Jurisdictional

    State overlays

    Per-state demand-letter templates, complaint language, and consumer-protection nuances applied at dispatch time.

§ 05Audit

When a touchpoint is challenged, the answer is in the trail.

Every agent action — a draft, a dispatch, a scheduling decision — is logged with its citation source, the rule it was checked against, and the partner who signed off. The audit trail is the case file.

Open the trail in seconds
Partner-stamped sign-off
Export-ready PDF
Citation record · outbound #4471
Signed by partner
SIMULATED
ActionSMS reminder
ChannelTwilio · consumer TZ: EST
Window check8:00 a.m. – 9:00 p.m. local · OK
Mini-MirandaVerbatim · first contact
Statute15 USC § 1692e(11) · OK
RevocationNone on file
Simulated result: dispatch-approved· 2026-04-19 14:02 ET · partner: J. Reyes
§ 06Frequently asked

The questions a partner asks before signing anything.

Every answer below is a Q0.05-verified rule summary with its citation, reviewer, version, and source record.

What must the first written validation notice contain?

Within five days of the first communication with a consumer, a debt collector must send a written notice containing five statutory disclosures — including a 30-day window in which the consumer may dispute the debt in writing.

Statute
Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(a)–(e) (Pub. L. 95-109, Sept. 20, 1977; codified at 15 U.S.C. §§ 1692 et seq.).
Review record
M. Aldana, partner · v1.5.0 · Q0.05 verified 2026-08-23
Open the full rule record →
What happens when a consumer disputes the debt in writing?

If a consumer disputes the debt in writing within 30 days of receiving the § 1692g notice, the collector must promptly obtain verification of the debt (or a copy of any judgment) and mail a copy to the consumer before collection activity resumes.

Statute
Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b) (Title X of the Consumer Credit Protection Act, Pub. L. 95-109; parallel pin-cite 15 U.S.C. § 1692g(b) and 15 U.S.C. § 1692g itself, mirrored at § 809(b) of the CCPA).
Review record
M. Aldana, partner · v1.3.0 · Q0.05 verified 2026-08-23
Open the full rule record →
What happens after a consumer asks in writing for communications to stop?

If a consumer notifies the collector in writing that they refuse to pay or want the collector to stop communicating, the collector must cease all collection contact — with narrow statutory exceptions for litigation notice and certain third-party notifications.

Statute
Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(c).
Review record
M. Aldana, partner · v1.2.0 · Q0.05 verified 2026-08-23
Open the full rule record →
When can a collection call or text be sent?

Calls to a consumer's residence, cellular, or other telephone — including text messages — must be placed between 8 a.m. and 9 p.m. LOCAL TIME at the consumer's called location.

Statute
Telephone Consumer Protection Act, 47 U.S.C. § 227; implementing rule at 47 C.F.R. § 64.1200(c)(1) (call-time restriction).
Review record
T. Brennan, partner · v1.3.0 · Q0.05 verified 2026-08-23
Open the full rule record →
How does Pleadwright handle a TCPA consent revocation?

A consumer may revoke any prior express consent to receive autodialed or prerecorded calls or texts at any time, by any reasonable means; the revocation is effective on receipt, and the caller must honor it within a reasonable period not to exceed ten business days.

Statute
Telephone Consumer Protection Act, 47 U.S.C. § 227(b)(3) (right to revoke prior express consent; cross-referencing 47 C.F.R. § 64.1200(a)(10)).
Review record
T. Brennan, partner · v1.2.0 · Q0.05 verified 2026-08-23
Open the full rule record →

Pilot cohort · 2026

Put Pleadwright on a real matter this week.

Pick a single file. We onboard your intake, your catalog of demand templates, and your state overlays. Partner signs the agent’s drafts like a deputy associate’s — no new compliance review every quarter.