CollectFlow is the agentic compliance agent for collection agencies and creditors'-rights law firms. It watches every debt-validation notice, the 30-day dispute window, Reg F disclosures, your state collection-agency license renewal, statute-of-limitations cutoffs and the 7-in-7 call cap — then auto-drafts the action + checklist at 60, 30 and 7 days, before a missed deadline becomes a CFPB problem.
Deadlines hide in account notes, spreadsheets and a license renewal nobody is watching. Then the date slips — a validation notice goes out late, a disputed account keeps getting called — and the CFPB demand letter follows.
A pattern of late validation notices or defective Reg F disclosures is exactly what the CFPB looks for — consent orders, civil penalties and a public file you don't want.
Collecting on a disputed account before validation, or past the statute of limitations, is a per-violation FDCPA breach — statutory damages, fees, and a plaintiff's-bar magnet.
Let a state collection-agency license lapse and you're collecting unlicensed — debts can be voided, with regulator penalties and disgorgement on top.
From signup to a drafted compliance-action notice takes about three minutes.
Pick your state and load your accounts — CollectFlow seeds your license renewal, validation-notice clocks, dispute windows, Reg F disclosures, SOL cutoffs and call-cap resets with their due dates.
CollectFlow checks every deadline daily and trips an alert at 60, 30 and 7 days out — and immediately on any lapse.
At each threshold the agent writes a ready-to-send action notice + checklist with the right rule, deadline and account reference, and dispatches it to your compliance team.
Reminders tell you something's due. CollectFlow does the next step for you — defensively, so you stay legal.
Debt-validation notices, the 30-day validation-dispute window, Reg F disclosures, the 7-in-7 call-frequency cap, statute-of-limitations cutoffs and state license renewals — tracked per account and per agency.
At 60/30/7 days the agent writes the deadline-action notice — the rule, the due date, the account reference and the exact next step — ready for your compliance officer to act on.
Notices go out by email to your compliance team or counsel automatically, with a full audit trail of what was sent and when — the documentation examiners ask for.
Per-state license cycles and statute-of-limitations rules baked in for CA, TX, FL, NY and IL. CollectFlow only ever helps you stay compliant — never harassment or evasion.
Green is healthy, amber is due soon, red is lapsed — with the drafted action checklist sitting right underneath.
Subject: Debt-validation notice — due in 4 days (Acct #CA-44871) Reg F requires the validation notice within 5 days of first contact. Collecting before it goes out invites an FDCPA claim, CFPB scrutiny and statutory damages. Next step: send the model validation notice today.
Start free for 14 days. No card required. Cancel anytime.
Every plan starts with a 14-day free trial. Questions? support@9gg.app
No. CollectFlow tracks deadlines and drafts checklists. It is not legal or compliance advice. Always verify FDCPA, CFPB Regulation F and state requirements with counsel or the regulator. See our disclaimer.
Debt-validation notices (Reg F 5-day timing), the 30-day validation-dispute window (collection paused until validated), Reg F required disclosures, per-state collection-agency license renewals, statute-of-limitations cutoffs and the Reg F 7-in-7 call-frequency reset — per account and per agency.
The agent checks every deadline daily and trips an alert at 60, 30 and 7 days before the due date, plus immediately on any lapse. At each threshold it drafts a deadline-action notice + checklist and dispatches it to whoever you choose.
No — the opposite. CollectFlow is strictly defensive: it exists so your team sends validation notices on time, pauses collection on disputed accounts, stays under the call cap and never sues past the statute of limitations. It has no harassment or evasion features.
14 days, no credit card required. Pick your state, load your accounts and watch the agent work. Choose Starter, Agency or Enterprise when you're ready; cancel anytime before the trial ends and you're not charged.
Your compliance data is scoped to your own workspace. We process data under GDPR, UK-GDPR and CCPA. Read our privacy policy for processors, retention and your rights.
Stop tracking validation windows and license renewals in a spreadsheet. Let the agent watch, draft and dispatch — so a missed deadline never becomes a CFPB or class-action problem.