cookbook proof · collections-promise-guard
Collections contact
A collections agent contacts a customer after a promise to pay.
Agno FDCPA / CONC CONTACT_CUSTOMER
without kiff 5 contacts Repeated outreach while a promise is in effect.
CONTACT_CUSTOMER state-aware gate ↓
with kiff 1 contact 4 contacts refused while the promise holds.
1 Agent proposes
CONTACT_CUSTOMER on a Account.2 KIFF reads the Account's current state — before anything runs.
3 First call: state allows it → executed, receipt signed.
4 State is now
PROMISE_TO_PAY → every repeat refused, receipt signed.The scenario
A collections agent works an account. The customer makes a promise to pay, then the agent — following its script — keeps reaching out anyway.
Why it was refused
A recorded promise-to-pay moves the account into a protected window. CONTACT_CUSTOMER is not allowed in that state, so further contact is refused — the line between routine follow-up and an FDCPA / CONC breach.