Compliant Collection Notices Without the Legal Risk

import requests

API = "https://api.multimail.dev/v1"
HEADERS = {"Authorization": "Bearer mm_live_xxx"}

def draft_collection_notice(account: dict):
    "cm"># FDCPA required disclosures
    notice = (
        f"This communication is from a debt collector. "
        f"This is an attempt to collect a debt, and any "
        f"information obtained will be used for that purpose.\n\n"
        f"Dear {account[&"cm">#039;debtor_name']},\n\n"
        f"Our records indicate the following balance is owed "
        f"to {account[&"cm">#039;creditor_name']}:\n\n"
        f"  Amount owed: ${account[&"cm">#039;amount']:.2f}\n"
        f"  Original creditor: {account[&"cm">#039;creditor_name']}\n"
        f"  Account reference: {account[&"cm">#039;reference']}\n\n"
        f"Payment options:\n"
        f"  Online: {account[&"cm">#039;payment_url']}\n"
        f"  Phone: {account[&"cm">#039;payment_phone']}\n\n"
        f"Unless you dispute the validity of this debt, or any "
        f"portion thereof, within 30 days after receipt of this "
        f"notice, the debt will be assumed to be valid. If you "
        f"notify us in writing within 30 days that the debt, or "
        f"any portion thereof, is disputed, we will obtain "
        f"verification of the debt and mail a copy to you."
    )

    # Queued for full legal review
    response = requests.post(
        f"{API}/send",
        headers=HEADERS,
        json={
            "from": "[email protected]",
            "to": account["debtor_email"],
            "subject": f"Important notice regarding your account - ${account[&"cm">#039;amount']:.2f}",
            "text_body": notice,
            "html_body": build_collection_html(account, notice)
        }
    )
    print(f"Notice queued for legal review: {response.json()[&"cm">#039;id']}")

import requests
from datetime import datetime, timedelta

API = "https://api.multimail.dev/v1"
HEADERS = {"Authorization": "Bearer mm_live_xxx"}

def track_collection_notice(account: dict, email_id: str):
    sent_date = datetime.utcnow()
    dispute_deadline = sent_date + timedelta(days=30)

    "cm"># Update contact with collection tracking data
    requests.post(
        f"{API}/contacts",
        headers=HEADERS,
        json={
            "email": account["debtor_email"],
            "name": account["debtor_name"],
            "metadata": {
                "collection_notice_sent": sent_date.isoformat(),
                "dispute_deadline": dispute_deadline.isoformat(),
                "notice_email_id": email_id,
                "amount_owed": account["amount"],
                "collection_status": "notice_sent"
            }
        }
    )

    "cm"># Tag email for compliance tracking
    requests.post(
        f"{API}/emails/{email_id}/tags",
        headers=HEADERS,
        json={"tags": ["collection-notice", "fdcpa-compliant"]}
    )

"cm">// Using MultiMail MCP tools for collection notices

async function sendCollectionNotice(account: DelinquentAccount) {
  const notice = buildFDCPANotice(account);

  "cm">// Send notice (queued for full legal review under gated_all)
  await mcp.send_email({
    to: account.debtorEmail,
    subject: `Important notice regarding your account - $${account.amount.toFixed(2)}`,
    text_body: notice
  });

  "cm">// Track compliance data
  await mcp.add_contact({
    email: account.debtorEmail,
    name: account.debtorName,
    metadata: {
      collection_notice_sent: new Date().toISOString(),
      dispute_deadline: addDays(new Date(), 30).toISOString(),
      amount_owed: account.amount,
      collection_status: "notice_sent"
    }
  });
}

"cm">// Monitor for dispute responses
async function checkForDisputes() {
  const inbox = await mcp.check_inbox({
    mailbox_id: "collections-mailbox-id",
    status: "unread",
    limit: 20
  });

  for (const msg of inbox.emails) {
    const email = await mcp.read_email({ email_id: msg.id });
    if (isDisputeResponse(email.text_body)) {
      await mcp.tag_email({
        email_id: email.id,
        tags: ["dispute-received", "legal-review-needed"]
      });
    }
  }
}