FREE TOOL · STATE VALIDATION

Start with the state, the timeline, and the boundary.

Submit four facts to receive a deterministic state-validation rendering. Nothing is saved, and the result does not decide whether a real claim, collection action, or legal position is valid.

What this intake returns

A normalized timestamp, the selected state’s current catalog posture, and a deterministic receipt for downstream rendering.

CASE INTAKE

Validate the input before the next handoff.
Use synthetic or redacted facts only. The intake is anonymous and stateless.

Enter a whole number from 0 to 36,500 days.

Choose a local date and time; the server normalizes it to UTC.

This flag is passed through to downstream rendering; it does not authorize an action.

LEGAL BOUNDARY

Synthetic and educational intake only. This is not legal advice, a legal opinion, a liability determination, or production clearance.

DOWNSTREAM RENDERING

Submit the intake to see the selected state’s catalog posture and deterministic receipt.

PUBLIC AUTHORITY MAP

Start from the controlling text.
These public links anchor the federal validation notice and state consumer-protection overlays used for orientation. Review the controlling text with qualified counsel before relying on it.
State validation authority sources
StateStatute citeWhy it mattersOfficial source
Federal15 U.S.C. § 1692gFederal validation-notice and dispute-window anchor.Open official source
CaliforniaCal. Civ. Code §§ 1788–1788.32State debt-collection and consumer-protection overlay; review the controlling text before reliance.Open official source
TexasTex. Fin. Code ch. 392State debt-collection and consumer-protection overlay; review the controlling text before reliance.Open official source
FloridaFla. Stat. § 559.72State debt-collection and consumer-protection overlay; review the controlling text before reliance.Open official source
New YorkN.Y. Gen. Bus. Law § 349State consumer-protection overlay; review the controlling text before reliance.Open official source
Illinois815 ILCS 505/State consumer-protection overlay; review the controlling text before reliance.Open official source
MassachusettsM.G.L. ch. 93AState consumer-protection overlay; review the controlling text before reliance.Open official source
GeorgiaO.C.G.A. § 10-1-393State consumer-protection overlay; review the controlling text before reliance.Open official source

Public verification

Canonical host: https://settleupcollections.com

Synthetic and educational public material only; not legal advice or a legal opinion. Qualified counsel review is required before relying on it or taking action.

Last verified 2026-09-04

Authority referencesFDCPA § 1692gRegulation F § 1006.34TCPA § 227