Every action, communication, and workflow in ResolveIQ is designed around Texas Finance Code Chapter 391 and aligned FDCPA practices. Compliance isn't a feature — it's the operating system.
ResolveIQ operates exclusively within the bounds of Texas commercial collection law. Every system, workflow, and communication is designed around the requirements of the Texas Finance Code, Chapter 391.
All collection activities are conducted in strict compliance with Texas state licensing requirements. Operator credentials and agency registrations are maintained and audited regularly.
Outbound communications are scheduled and executed within legally compliant time windows. The system prevents outreach outside permitted hours and respects all timing restrictions.
Required notices and disclosures are automatically generated and included in all initial debtor communications. Document versioning ensures every version meets current regulatory requirements.
All assessed fees, interest calculations, and cost recovery claims are computed within statutory limits. The system prevents the generation of demands exceeding legally permitted amounts.
The Texas Finance Code Chapter 391 regulates the business of debt collection in Texas. It establishes licensing requirements, communication rules, documentation standards, and prohibited practices for commercial collection agencies operating within the state.
ResolveIQ's platform embeds Chapter 391 requirements into every automated workflow, communication template, and system rule — ensuring every action taken on an account meets current statutory obligations.
While the FDCPA applies primarily to consumer debt, ResolveIQ applies its core principles to all commercial collection activities — providing a higher standard of conduct and legal defensibility.
All communications — AI-drafted or operator-initiated — are reviewed to ensure no false statements of amount, legal status, or consequences of non-payment are included.
Every communication clearly identifies ResolveIQ Recovery Group as the collecting entity. No obscured identities, third-party impersonation, or undisclosed agency relationships.
Frequency caps on outreach, no contacting debtors at inconvenient times, and automatic throttling prevent patterns that could constitute harassment under any applicable standard.
Before any collection activity begins, account ownership and obligation validity are verified. Disputes received are acknowledged, logged, and investigated before further contact.
Communication with debtor employers, attorneys, or third parties is conducted only within permitted circumstances and documented in the account audit trail.
All debtors receive clear written notice of their right to dispute obligations. Disputes trigger an automatic hold on collection activity pending investigation.
Every outbound communication is captured with full metadata — immutable, timestamped, and accessible for regulatory review or dispute resolution at any time.
Each account maintains a complete, tamper-evident record of every communication — including those generated by automated workflows. No communication is ever lost or overwritten.
The audit trail includes sender identity, recipient, timestamp, communication channel, content summary, and outcome status. Available for export in standard formats for legal proceedings or regulatory audits.
Automated systems enforce compliance rules, but operators retain full visibility and override authority at every step. AI assists — humans decide.
Every communication template is validated against Chapter 391 requirements before activation. The system prevents dispatch of content that violates timing, disclosure, or fee rules — even if triggered by an automated workflow.
AI-drafted communications above configurable thresholds or involving sensitive scenarios (attorney contact, dispute response, payment plan setup) require explicit operator approval before dispatch. No automated actions bypass human review.
Account-level compliance scores reflect communication history, dispute rate, cease-communication flag status, and regulatory flag incidents. Scores are reviewed by compliance officers and factored into workflow prioritization.
Every operator action is logged with timestamp and attribution. Compliance and legal teams have read-only access to full account histories for regulatory review, dispute investigation, or litigation support.
When a debtor disputes an obligation or requests communication cease, ResolveIQ's system responds immediately and completely — with full audit trail documentation of the action taken.
Disputes received via any channel — email, debtor portal, written correspondence — are immediately logged, acknowledged, and routed for investigation. Collection activity pauses pending resolution.
System logs the dispute with full documentation. Operator receives notification. Automated outreach paused for this account.
Account status updates to "Dispute Investigation." No further automated communications dispatched. Human review assigned.
Original obligation documentation, contract terms, and prior payment history reviewed. Findings documented in account record.
Debtor and creditor notified of investigation outcome. If dispute is valid, account is closed or adjusted. If invalid, collection resumes with documented justification.
When a debtor formally requests communication cease — via written notice, debtor portal submission, or attorney contact — the system enforces an immediate, unconditional halt on all outbound communications from that account.
Account data, communication records, and financial information are protected by enterprise-grade security measures and access controls — aligned with financial services data handling standards.
All account data, debtor information, and financial records are encrypted at rest using AES-256 encryption. Database credentials and API keys are managed through environment variables — never in source code or configuration files.
System access is scoped to role — admin, collector, client, debtor. Each role has explicit read/write permissions on the minimum data required for their function. Access logs are maintained for all data interactions.
Every system action is logged with timestamp, operator attribution, and outcome. Exportable audit trails support regulatory reviews, litigation holds, and compliance audits — without manual record reconstruction.
Payment processing is handled exclusively through Stripe — a PCI DSS Level 1 compliant payment processor. ResolveIQ does not store, process, or transmit raw card data. No card numbers, expiry dates, or CVV codes are retained in our systems.
Debtor-facing payment portal sessions are authenticated and encrypted. Session tokens expire after inactivity. Payment links are single-use or time-limited. No debtor data is exposed in URLs or logs.
Account records are retained per legal requirements and deleted according to documented retention schedules when obligations are resolved. Data disposal is logged and verified — no orphaned records.
Every feature in ResolveIQ is designed to operate within the law — not as a workaround, not as an afterthought. That's how we protect you and your clients.