SettleUp · Queue and guardrails demo
Who to work next, and what is allowed right now.
One ranked queue with a reason for every account. One screen with every fact. Before anything goes out, the Guardrail Engine checks the call limits, the local time, opt-outs, disputes and cease requests, locked wording and every figure against the ledger, and says in plain words why something is blocked. A person on your team still presses Send.
The Guardrail Engine is a helper, not legal advice. It covers a short list of federal rules on example data and no state rules. Have your compliance counsel review every rule before you use it on real accounts.
Try it: pick your kind of team, switch the demo clock to 7:30 a.m., log a no-answer call on Priya Nair, open Grace Kim to see a dispute pause, or view the page as your designated counsel and comment on a rule.
Setup: who is your team?
Example data, modeledCollecting consumer debt for someone else. The Reg F and FDCPA rules in this demo are written for this case, so they block. The same example accounts are shown for every choice so you can compare.
Next best account
Ranked by modeled expected value. Only accounts with an open channel right now.
Not contactable right now
Missing from the queue, with the reason.
Dana Whitfield
EX-3101 · Example Furniture Credit · MN
Why this account: Promise of $150.00 due today
01 Draft
Example drafts are prewritten so the demo runs in your browser. Edit anything and the check runs again. In a pilot, the AI drafts from the account facts.
02 Guardrail check
ClearClear for a person to read and send from your own tools.
Every rule in the demo policy pack passes, and every figure matches the ledger.
03 Log what happened, then next
Calls: use the one-click call log on the right. Messages: pretend a person sent it from your own system, then log it here.
This session, for a manager
Counts only what happened on this page. Nothing is saved. In a pilot, these would come from your team's own activity.
How the rules apply for: Third-party collection agency
Blocks stop the draft. Advisory shows a caution and leaves the call to your team. Off means the rule is not checked for this team. Not legal advice: your counsel decides what applies to you.
- Blocks7 calls in 7 days, and 7 days after a conversation. Reg F call frequency rules are written for third-party collectors of consumer debt.
- Blocks8 a.m. to 9 p.m. local, and times the consumer named. Reg F and the FDCPA limit contact to convenient times for third-party consumer collection.
- BlocksChannel opt-outs. Kept on as a house rule in every segment. Your counsel can change it.
- BlocksCease requests. The FDCPA gives consumers the right to ask a third-party collector to stop.
- BlocksAttorney on file. The FDCPA routes contact to the consumer's attorney once one is known.
- BlocksOpen disputes pause collection. The FDCPA pauses collection of a disputed amount until it is verified.
- BlocksBankruptcy. Kept on as a house rule in every segment. Your counsel can change it.
- BlocksDeceased. Kept on as a house rule in every segment. Your counsel can change it.
- BlocksLocked limited-content voicemail. The limited-content voicemail is a Reg F message type; extra words can change what it is.
- BlocksOpt-out wording on email and text. Reg F asks for a clear, simple opt-out in electronic messages.
- Always on for every team: no threats, no Social Security or card numbers, every figure against the ledger.
The rule definitions, in plain words
Demo policy pack v1: third-party consumer collections, federal rules only. No state rules. Example only. Effective 2026-10-21. A helper, not legal advice. Have your compliance counsel review every rule before you use it. Reps can read counsel comments here. Only the designated counsel can comment, and nobody edits rules from this page.
- 7 calls in 7 days, per debt. Calls that connect count whether or not anyone answers, and so do limited-content and ringless voicemails. Busy signals, numbers not in service and calls the consumer directly agreed to in the past 7 days do not count. An 8th call is blocked. Source: Reg F call frequency presumption. Blocks for Third-party agency
- 7 days after a conversation. After a phone conversation about the debt, no calls for 7 days. The conversation date is day one. Source: Reg F call frequency presumption. Blocks for Third-party agency
- 8 a.m. to 9 p.m. local. No contact before 8 a.m. or after 9 p.m. where the consumer is. When the address and the phone area code point to different zones, the stricter one applies. Source: Reg F inconvenient times. Blocks for Third-party agency
- Times the consumer named. If the consumer said a time is bad for them, it is blocked. Source: Reg F inconvenient times. Blocks for Third-party agency
- Channel opt-outs. An opt-out on one channel blocks that channel everywhere, right away. Opting out of calls also blocks voicemail. Source: Reg F, TCPA. Blocks for Third-party agency
- Disputes, cease requests, attorneys, bankruptcy, deceased. A cease request, an attorney, a bankruptcy or a deceased flag stops all outreach. An open dispute pauses collection outreach; only a dispute response can go out. Source: FDCPA, Reg F.
- Locked templates. The limited-content voicemail is locked. Any edit blocks it. Source: Reg F limited-content message. Blocks for Third-party agency
- Opt-out wording on email and text. Every email and text draft needs a clear, simple way to opt out. Source: Reg F electronic communications. Blocks for Third-party agency
- No threats, no sensitive numbers. Threat wording, Social Security numbers and card numbers block the draft. All-caps urgency gets a caution. Source: FDCPA, PCI DSS.
- Every figure against the ledger. Each dollar amount, date and account number in the draft is checked against the account ledger. Source: SettleUp ledger check.
What SettleUp leaves to your team.
- It does not send. A person copies the checked draft and sends it from the tools your team already uses.
- It does not dial. Calls happen on your own phones; the attempt ledger counts what you log or import.
- It does not take payments, set up autopay or collect signatures.
- It does not talk to consumers on its own. No AI agent answers or calls anyone.
- It does not decide what the law requires for your team. Your designated counsel reads every rule and comments; nobody edits rules from this page.