Right time, right zone, every channel.

The FDCPA prohibits communicating at a time the collector knows or should know is inconvenient, and presumes that before 8 a.m. and after 9 p.m. in the consumer's location is inconvenient absent other information. Regulation F extended this clearly to electronic communications, so a text sent at 10 p.m. is as much a violation as a call. Violations are common because the consumer's location is not always known: a cell phone area code may be from where they lived years ago, and a mailing address may be a relative's. When the two conflict, the collector must comply with both windows.

Consumers can also designate specific inconvenient times, such as work hours or evenings, and those must be honored. Several states narrow the window further or restrict Sundays and holidays. And a work phone number carries its own restriction if the employer prohibits collection calls.

HL Hunt resolves the permitted window for each debtor from all available data, taking the intersection where sources conflict, and applies stated preferences and state rules on top. Every channel, including AI calls, texts, and emails, is scheduled within the window. The AI outreach engine goes further, choosing the best time within the window for each debtor based on response history, which is both compliant and more effective.