Pre-gate preview

What the $350 audit memos against — before you enter an email

Four deterministic scan flags from the canonical-three seeded fixtures. Rerun with your own letter in one click; the email gate fires only on Stripe-purchase, Stripe-redeem, PDF, or save.

Flag 1 of 4 · validation timing

§1692g(a) · 22 days since notice, 8 days remaining

Validation timing

The seeded validation notice was mailed 22 days ago; eight days remain in the §1692g(a) validation period. The matter is dispatch-clear on the deterministic floor — no visible-defect paraphrase trips the rule, and the codified rule status reads VERIFIED.

Sourced from the seeded CLEAN_VALIDATION_WINDOW fixture narrative.

Flag 2 of 4 · TCPA window

§227(b)(1)(C) · 8 AM – 9 PM local

TCPA window

Every SMS touch is window-checked against the consumer-local time-zone reading on the matter. The seeded dispute fixture (“respond by 5 PM tonight”) trips the 47 USC §227(b)(1)(C) out-of-window call and is dispatch-blocked on the deterministic floor.

Sourced from the seeded MISSING_EVIDENCE_DISPUTE fixture + voice-script pane chip.

Flag 3 of 4 · evidence chain

opening → closing → hash

Evidence chain

Every audit row carries a synthetic timestamp, an actor, a statute cite, a rationale, and an outcome. The hash-chain head is the deterministic derivative of the full row set — a single non-sterile edit cascades the chain forward and the partner-visible CTA flips red.

Opening: 2026-08-19T14:21:09Z
Closing: 2026-08-21T22:08:44Z
Signing partner: Pleadwright Counsel · M. Rivera
Hash-chain head: 6f3e1ad9c0b6f4a1

Sourced from the canonical-three audit-evidence chrome.

Flag 4 of 4 · Mini-Miranda coverage

15 USC §1692e(11)

Mini-Miranda coverage

The seeded BLOCKED_VISIBLE_DEFECT fixture omits the §1692e(11) safe-harbor in its opening block — the Mini-Miranda disclosure is missing before the visible-defect call. The reviewer trips a Mini-Miranda coverage citation alongside the visible-defect floor.

Sourced from BLOCKED_VISIBLE_DEFECT deterministic expected-issue #3.

Rerun with your own letter

JavaScript disabled — full audit output below

The audit offer, the four deterministic flags, the seven statutory citation fields, the Mini-Miranda disclosure, and every FAQ are present in this static view.

Concierge · one deliverable

Letter Risk Audit

A 48-hour annotated defect memo for a redacted demand letter. Concierge delivery.

Flat fee

$350

Memo delivered within 48 hours of an audit-ready letter.

Buy the Letter Risk Audit · $350

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Reviewed by Pleadwright Counsel · M. Rivera · v6f3e1ad9

What you get

Up to 8 redacted pages of an outbound demand letter (PDF, DOCX, or pasted text).
Annotated defect memo: every hearing-visible defect called out by row, citation, and suggested rewrite.
A second sweep against the FDCPA disclosures your matter mode enforces (§1692g, §1692e(11), jurisdiction footer).
A short concierge handoff call (≤ 20 minutes) within 72 hours of delivery.

What it is not

A redline against the live matter file — this is a defect memo, not a rewrite of the outbound letter.
State-specific opinion or jurisdiction-specific advisory — the memo is grounded in federal FDCPA, not a state-by-state treatise.
Attorney representation, attorney-client relationship, or any legal advice to your consumer.
Substitute for editing, proofreading, or translation — copy is reviewed as-is, in English.

What the memo cites

Memo cites the FDCPA disclosure block cited verbatim in the redacted letter (§1692g(a)–(e), §1692e(11)), and the operating mode ruleset the matter was opened under. Each row carries its source.

Seven-field citation panel

Every flag, fully cited

Authority · jurisdiction · coverage · effective date · reviewer · version · supersedes — one row per flagged rule.

Seven-field citation panel: authority, jurisdiction, coverage, effective date, reviewer, version, supersedes.
Authority	Jurisdiction	Coverage	Effective date	Reviewer	Version	Supersedes
`15 U.S.C. § 1692g(a)–(e)`Canonical § 1692g(b) reference	Federal	30-day validation notice + dispute clock	Codified 2026-08-19	Pleadwright Counsel · M. Rivera	v6f3e1ad9	—
`47 U.S.C. § 227(b)(1)(C)`	Federal	Call window 8 AM – 9 PM consumer local	Codified 2026-08-19	Pleadwright Counsel · M. Rivera	v6f3e1ad9	—
`opening → closing → hash`	Federal	Audit-evidence pane chrome (timestamp + actor)	Codified 2026-08-19	Pleadwright Counsel · M. Rivera	v6f3e1ad9	—
`15 U.S.C. § 1692e(11)`	Federal	Mini-Miranda safe-harbor one-sentence anchor	Codified 2026-08-19	Pleadwright Counsel · M. Rivera	v6f3e1ad9	—

Flag 1 of 4

Validation timing

§1692g(a) · 22 days since notice, 8 days remaining

Authority: 15 U.S.C. § 1692g(a)–(e)
Jurisdiction: Federal
Coverage: 30-day validation notice + dispute clock
Effective date: Codified 2026-08-19
Reviewer: Pleadwright Counsel · M. Rivera
Version: v6f3e1ad9
Supersedes: —

Sourced from seeded CLEAN_VALIDATION_WINDOW fixture narrative.

Flag 2 of 4

TCPA window

§227(b)(1)(C) · 8 AM – 9 PM local

Every SMS touch is window-checked against the consumer-local time-zone reading on the matter. The seeded dispute fixture ("respond by 5 PM tonight") trips the 47 USC §227(b)(1)(C) out-of-window call and is dispatch-blocked on the deterministic floor.

Authority: 47 U.S.C. § 227(b)(1)(C)
Jurisdiction: Federal
Coverage: Call window 8 AM – 9 PM consumer local
Effective date: Codified 2026-08-19
Reviewer: Pleadwright Counsel · M. Rivera
Version: v6f3e1ad9
Supersedes: —

Sourced from seeded MISSING_EVIDENCE_DISPUTE fixture + voice-script pane chip.

Flag 3 of 4

Evidence chain

opening → closing → hash

Authority: opening → closing → hash
Jurisdiction: Federal
Coverage: Audit-evidence pane chrome (timestamp + actor)
Effective date: Codified 2026-08-19
Reviewer: Pleadwright Counsel · M. Rivera
Version: v6f3e1ad9
Supersedes: —

Opening: 2026-08-19T14:21:09Z
Closing: 2026-08-21T22:08:44Z
Signing partner: Pleadwright Counsel · M. Rivera
Hash-chain head: 6f3e1ad9c0b6f4a1

Sourced from the canonical-three audit-evidence chrome.

Flag 4 of 4

Mini-Miranda coverage

15 USC §1692e(11)

Authority: 15 U.S.C. § 1692e(11)
Jurisdiction: Federal
Coverage: Mini-Miranda safe-harbor one-sentence anchor
Effective date: Codified 2026-08-19
Reviewer: Pleadwright Counsel · M. Rivera
Version: v6f3e1ad9
Supersedes: —

Sourced from BLOCKED_VISIBLE_DEFECT deterministic expected-issue #3.

Mini-Miranda disclosure

15 U.S.C. § 1692e(11)

This communication is from a debt collector. Any information obtained will be used for that purpose.

The Mini-Miranda safe-harbor reads verbatim into every model-generated initial communication; the disclosure is sourced from src/lib/business/fdcpa-text.ts.

Common questions

What does "redacted letter" mean here?

A version with debtor names, addresses, account numbers, and any other PII stripped before upload. The audit never sees identifying information.

How is the 48-hour turnaround measured?

From the moment we receive the redacted letter and the intake row is marked "audit-ready". Weekends and federal holidays in the U.S. extend the window; you will see a confirmation timestamp on the memo.

What if the letter does not have obvious defects?

You still get the memo — the second-pass FDCPA disclosure sweep and the rewrite suggestions are the deliverable, even when no hearing-visible defects land.

Will Pladwright (or anyone) call my consumer?

No. This is a desk-review of a redacted artifact. No outreach, no live matter file, no dispatch.

Is this legal advice?

No. The memo is a review of outbound language against published statutory text and a matter-mode ruleset. It is not a legal opinion and does not create an attorney-client relationship.

Not a legal opinion. No attorney-client relationship is created by this audit.

Near-term updates

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