testify/docs/examples/evidence-pack.json at main · avinmaster/testify · GitHub

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{
  "call": {
    "title": "Sample Collection Call — Acme Recovery",
    "url": null,
    "platform": "mock",
    "duration_seconds": 242.0,
    "channels": 2
  },
  "generated_at": "2026-07-10T18:30:00+00:00",
  "overall_verdict": "violations_found",
  "risk": {
    "total_exposure_usd": 1500.0,
    "violation_count": 1,
    "critical_count": 1,
    "insufficient_count": 2,
    "coverage": "full"
  },
  "requirements": [
    {
      "id": "mini_miranda",
      "name": "Mini-Miranda disclosure",
      "regulation": "FDCPA §807(11)",
      "severity": "high",
      "verdict": "pass",
      "rationale": "The agent delivered the required debt-collection disclosure verbatim near the start of the call.",
      "statutory_exposure_usd": null,
      "evidence": [
        {
          "quote": "This is an attempt to collect a debt, and any information obtained will be used for that purpose.",
          "speaker": "agent",
          "timestamp": "00:11"
        }
      ]
    },
    {
      "id": "caller_identification",
      "name": "Caller & company identification",
      "regulation": "FDCPA §807(11)",
      "severity": "medium",
      "verdict": "pass",
      "rationale": "The agent identified themselves by name and named the collection company on a recorded line.",
      "statutory_exposure_usd": null,
      "evidence": [
        {
          "quote": "Good afternoon, this is Marcus Bell calling from Acme Recovery Associates on a recorded line.",
          "speaker": "agent",
          "timestamp": "00:03"
        }
      ]
    },
    {
      "id": "no_threats_or_harassment",
      "name": "No threats, intimidation, or harassment",
      "regulation": "FDCPA §806",
      "severity": "critical",
      "verdict": "fail",
      "rationale": "The agent threatened arrest and wage garnishment for non-payment — actions that cannot lawfully be taken this way — which is a prohibited threat under FDCPA §806.",
      "statutory_exposure_usd": 1500.0,
      "evidence": [
        {
          "quote": "If you don't pay the full amount today, we will have you arrested and garnish your wages.",
          "speaker": "agent",
          "timestamp": "00:53"
        }
      ]
    },
    {
      "id": "no_false_representations",
      "name": "No false or misleading representations",
      "regulation": "FDCPA §807",
      "severity": "high",
      "verdict": "insufficient_evidence",
      "rationale": "The agent stated a specific balance, but the call alone does not establish whether that amount is accurate, so misrepresentation can neither be confirmed nor ruled out.",
      "statutory_exposure_usd": null,
      "evidence": [
        {
          "quote": "The current balance on the account is four thousand two hundred and eighteen dollars.",
          "speaker": "agent",
          "timestamp": "00:43"
        }
      ]
    },
    {
      "id": "right_party_verification",
      "name": "Right-party contact verification",
      "regulation": "FDCPA §805",
      "severity": "high",
      "verdict": "insufficient_evidence",
      "rationale": "The agent asked to confirm the account holder but the consumer declined to verify their identity, and the agent discussed balance details without completing verification. Whether this was the right party is unresolved.",
      "statutory_exposure_usd": null,
      "evidence": [
        {
          "quote": "I'd rather not give that out over the phone.",
          "speaker": "customer",
          "timestamp": "00:39"
        }
      ]
    },
    {
      "id": "calling_time_window",
      "name": "Permitted calling-time window",
      "regulation": "TCPA / FDCPA §805(a)(1)",
      "severity": "medium",
      "verdict": "pass",
      "rationale": "The agent's greeting indicates an afternoon call, consistent with the permitted 8:00am–9:00pm contact window.",
      "statutory_exposure_usd": null,
      "evidence": [
        {
          "quote": "Good afternoon, this is Marcus Bell calling from Acme Recovery Associates on a recorded line.",
          "speaker": "agent",
          "timestamp": "00:03"
        }
      ]
    }
  ],
  "action_items": [
    "Escalate the threat of arrest and wage garnishment (FDCPA §806) to compliance for immediate coaching and possible consumer remediation.",
    "Re-train the agent on right-party verification before disclosing any account details.",
    "Confirm the stated $4,218 balance against the account of record to rule out a false representation."
  ],
  "disclaimer": "Automated compliance screening — informational, not legal advice; flagged items require human review."
}