Backend Aug 22-25: AI analysis, welcome-packet templating, LetterStream, DocuSeal, staff RBAC + tier gate

- analysis.py: deterministic claim scorer + /analyze /approve /letter /advance-tier endpoints (auto-runs on intake) - packet.py + packet_fields.json: welcome-packet templating engine (6 onboarding docs, field catalog) - letterstream.py + letters.py: certified-mail send pipeline + letter lifecycle (webhook verified) - docuseal.py: DocuSeal signing integration - staff.py/models.py/schema.sql/auth.py: approval actor from staff key, tier gate (APPROVED+ACTIVE+onboarding docs), onboarding_docs table - frontend/: dependency-free static portal (intake, magic-link login/verify, dashboard) - landing-mockups/: 4 design-stance mockups + favicons - legal/: aup/privacy/sms-terms/terms HTML - docs/: letter-queue scope, letterstream API contract, 6 welcome-packet templates - review-dre-landing-2026-08-21.md: 3-variant landing feedback sprint - compliance/DRE_Compliance_Manual.md: updated Source synced from deployed /opt/dre-portal/app/ (was 4 days ahead of git).
2026-08-26 02:26:33 -04:00
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+# LIMITED POWER OF ATTORNEY
+## Debt Recovery Experts, LLC
+
+**THIS LIMITED POWER OF ATTORNEY ("LPOA")** is made and entered into by and between the undersigned principal (the "Client") and **Debt Recovery Experts, LLC**, a limited liability company (the "Company").
+
+### 1. Appointment of Agent
+
+The Client hereby appoints the Company, and its authorized officers, employees, and designated representatives, as the Client's true and lawful attorney-in-fact, **limited strictly to the matters set forth below**, with full power and authority to act in the Client's name, place, and stead.
+
+### 2. Scope of Authority (LIMITED)
+
+The authority granted under this LPOA is limited exclusively to the recovery of the specific debt identified below (the "Claim"):
+
+| Field | Value |
+|---|---|
+| Client Legal Name | {{client_legal_name}} |
+| Client Entity Type | {{client_entity_type}} |
+| Debtor Legal Name | {{debtor_legal_name}} |
+| Claim Amount | {{claim_amount}} |
+| Invoice / Contract Date | {{invoice_date}} |
+| DRE Claim Number | {{dre_claim_number}} |
+
+Specifically, the Company is authorized to:
+
+1. **Demand payment** of the Claim from the Debtor, in writing and verbally.
+2. **Negotiate and settle** the Claim, subject to the settlement authority limits set forth in the Terms of Service.
+3. **Receive payments** on the Claim, including via the Company's designated payment processor, and deposit such payments into the Company's trust/escrow account for disbursement to the Client in accordance with the signed Fee Schedule.
+4. **Execute and deliver** documents incidental to collection of the Claim, including demand letters, settlement agreements, payment acknowledgments, and releases limited to the Claim.
+5. **Engage third-party service providers** (remote online notary, certified mail vendor, and partner law firm) as reasonably necessary to collect the Claim, in accordance with the signed Third-Party Sharing Consent.
+6. **Refer the Claim to legal counsel** for further action if the Claim reaches Tier 4, in accordance with the Terms of Service.
+
+### 3. Express Limitations (the Company MAY NOT)
+
+Notwithstanding anything to the contrary, the Company is **NOT** authorized to:
+
+1. Borrow money, mortgage property, or create any lien or security interest in the Client's name (other than filing a mechanic's or materialman's lien in the ordinary course of collecting the Claim, and only through licensed counsel).
+2. Sell, transfer, or convey any real or personal property of the Client.
+3. Make gifts of the Client's property.
+4. Settle the Claim for less than the minimum settlement authority stated in the Terms of Service without the Client's separate written approval.
+5. Commence litigation in the Client's name; litigation is referred to licensed counsel under a separate engagement.
+
+### 4. Duration and Revocation
+
+This LPOA becomes effective upon execution and **notarization**, and remains in effect until: (a) the Claim is fully resolved (recovered in full, settled, or determined uncollectible and closed); or (b) the Client revokes this LPOA in writing delivered to the Company. Revocation does not affect acts lawfully taken before receipt of the revocation.
+
+### 5. Governing Law
+
+This LPOA is governed by the laws of the State of Texas, including Chapter 751 of the Texas Estates Code (Statutory Durable Power of Attorney requirements).
+
+### 6. Acknowledgment
+
+The Client acknowledges that the Company is a third-party debt collector acting on the Client's behalf with respect to the Claim, and that the Client remains ultimately responsible for the accuracy of the information provided concerning the Claim.
+
+---
+
+**IN WITNESS WHEREOF**, the Client has executed this Limited Power of Attorney as of the date set forth below.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | **Title** |
+| ________________________ | ________________________ |
+
+---
+
+## NOTARY ACKNOWLEDGMENT
+
+State of ________________
+County of ________________
+
+This instrument was acknowledged before me on ____________ (date) by ________________________ (name of person), in the capacity of ________________________ for ________________________ (entity name), as the act of such entity.
+
+| |
+|---|
+| **Notary Public Signature** |
+| ________________________ |
+| **Notary Public Printed Name** |
+| ________________________ |
+| **My commission expires:** ____________ |
+| *(Notary seal)* |
+
+---
+
+*This LPOA requires notarization pursuant to Texas Estates Code § 751.0021. This is the ONLY document in your welcome packet that requires a notary; it is completed online via our remote online notary partner.*
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+# DEBT RECOVERY EXPERTS, LLC
+## TERMS OF SERVICE
+
+**Last updated: August 23, 2026**
+
+These Terms of Service ("ToS") govern the engagement of **Debt Recovery Experts, LLC** (the "Company," "DRE," "we," or "us") by the client identified below ("Client" or "you"). By signing, you agree to be bound by these terms, including the **Fee Schedule attached hereto as Schedule A** and incorporated by reference.
+
+### 1. Services
+
+DRE provides commercial debt recovery services. Upon approval of your claim, DRE will pursue recovery of the identified debt through a tiered escalation process (demand letters, escalation, lien threat where applicable, and referral to partner legal counsel), as described in the DRE Help & Recovery Guide.
+
+**No Guarantee of Recovery.** DRE makes no representation or guarantee that any claim will be recovered, in whole or in part. Recovery is contingent on the debtor's circumstances and willingness or ability to pay.
+
+### 2. Contingency Fee Basis
+
+DRE's fees are **contingent** — DRE is paid **only if and when money is recovered**. If nothing is recovered, you owe DRE no fee for DRE's services. The applicable fee is determined by the recovery tier at which the claim resolves, as set forth in Schedule A.
+
+### 3. Costs and Expenses
+
+Certain out-of-pocket costs may be deducted from recovered funds before disbursement, regardless of the tier at which the claim resolves:
+
+- Remote online notary fee (one-time, per LPOA execution)
+- Certified mail / LetterStream postage and service fees
+- Court filing fees and recording fees (only if a lien or legal action is pursued)
+
+These costs are itemized on your settlement statement. DRE will not incur non-recoverable third-party costs (such as litigation filing fees) without your prior written approval.
+
+### 4. Settlement Authority
+
+Unless otherwise agreed in writing, DRE may settle the Claim for **no less than 70% of the principal amount** without further approval. Settlements below this threshold, or any settlement involving non-monetary terms, require your separate written approval.
+
+### 5. Disbursement
+
+Recovered funds are received into a DRE operating/trust account, less (a) DRE's contingency fee per Schedule A and (b) itemized costs per Section 3. The balance is disbursed to the bank account you authorize via the ACH/Disbursement Authorization form. Disbursements occur on a defined schedule; you will receive a settlement statement with each disbursement.
+
+### 6. Compliance and Representations
+
+You represent and warrant that:
+
+1. The debt you are referring is a valid, enforceable commercial obligation owed to you.
+2. The information and documentation you provide (amount, aging, contracts, invoices, delivery proof) is true and accurate.
+3. You are authorized to refer the debt and to execute this agreement on behalf of the claimant entity.
+
+You acknowledge that DRE will rely on these representations in its collection efforts, and that providing materially false information may expose you to liability.
+
+### 7. Third-Party Services
+
+To perform the services, DRE may share limited information with third-party service providers (remote online notary, certified mail vendor, partner law firm). Such sharing is governed by the separate Third-Party Sharing Consent you sign. DRE does not sell your information.
+
+### 8. Termination
+
+Either party may terminate this engagement upon written notice. Upon termination, DRE will cease collection activity. Any fees and costs earned or incurred through the date of termination remain due and payable in accordance with Schedule A and Section 3. Termination does not discharge any obligation the debtor has already agreed to satisfy.
+
+### 9. Limitation of Liability; Indemnification
+
+To the maximum extent permitted by law, DRE's aggregate liability arising out of this engagement shall not exceed the total fees actually paid by you to DRE. You agree to indemnify and hold DRE harmless from any claim arising out of your breach of the representations in Section 6.
+
+### 10. Governing Law; Dispute Resolution
+
+This ToS is governed by the laws of the State of Texas. Any dispute arising out of this engagement shall be resolved in the state or federal courts of Texas.
+
+### 11. Entire Agreement
+
+This ToS, together with Schedule A (Fee Schedule), the Limited Power of Attorney, the Third-Party Sharing Consent, and the ACH/Disbursement Authorization, constitutes the entire agreement between the parties and supersedes all prior communications.
+
+---
+
+## CLIENT ACKNOWLEDGMENT
+
+By signing below, the Client acknowledges they have read, understood, and agreed to these Terms of Service, including Schedule A (Fee Schedule), and that the Client has become a customer of Debt Recovery Experts, LLC.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | **Title** |
+| ________________________ | ________________________ |
+| **Company (if applicable)** | |
+| ________________________ | |
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+# SCHEDULE A — FEE SCHEDULE
+## Debt Recovery Experts, LLC
+
+This Schedule A is attached to and incorporated into the Terms of Service between the Client and Debt Recovery Experts, LLC. **All fees are contingent** — payable only upon actual recovery of funds from the debtor.
+
+## Contingency Fee by Recovery Tier
+
+The fee is determined by the tier at which the claim resolves (i.e., the point at which the debtor pays):
+
+| Tier | Description | DRE Fee |
+|---|---|---|
+| **Tier 1** | Soft Touch demand | **20-25%** of amount recovered |
+| **Tier 2** | Formal Demand | **30%** of amount recovered |
+| **Tier 2.5** | Lien Threat (construction claims) | **30%** of amount recovered, plus attorney fees only if a lien is actually filed through counsel |
+| **Tier 3** | Final Notice | **33%** of amount recovered |
+| **Tier 4** | Legal Action (referral to counsel) | **15%** DRE referral fee **plus 25%** law firm fee (40% combined) |
+
+## Illustrative Example (Tier 2 resolution, $10,000 claim)
+
+| Item | Amount |
+|---|---|
+| Amount recovered | $10,000.00 |
+| DRE contingency fee (30%) | -$3,000.00 |
+| Certified mail + notary costs | -$75.00 |
+| **Net to Client** | **$6,925.00** |
+
+## Costs and Expenses (deducted from recovery)
+
+These are actual, itemized out-of-pocket costs, not DRE profit:
+
+- Remote online notary: one-time, per LPOA (est. $25)
+- Certified mail / LetterStream postage and service fees (actual)
+- Court filing and recording fees (actual, only if lien or litigation pursued, with prior approval)
+
+## No Recovery, No Fee
+
+If DRE recovers nothing, the Client owes **no contingency fee**. The Client is responsible only for actual out-of-pocket third-party costs already incurred with the Client's prior approval (e.g., litigation filing fees). DRE will not incur such costs without the Client's written approval.
+
+## Loyalty Pricing (optional)
+
+Clients with 3+ prior claims may qualify for reduced Tier 1 pricing (e.g., 25% reduced toward 20% at DRE's discretion).
+
+---
+
+**ACKNOWLEDGMENT:** By signing the Terms of Service, the Client acknowledges receipt of this Fee Schedule and agrees to the fee and cost terms set forth above.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | |
+| ________________________ | |
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+# THIRD-PARTY SHARING CONSENT
+## Debt Recovery Experts, LLC
+
+The undersigned Client ("you") authorizes Debt Recovery Experts, LLC ("DRE") to share limited information about you and your claim with the following third-party service providers, **solely as necessary** to perform the debt recovery services described in the Terms of Service:
+
+| Provider | Purpose | Information Shared |
+|---|---|---|
+| **OneNotary** (remote online notary) | Notarize your Limited Power of Attorney | Your name, entity name, and the LPOA document |
+| **LetterStream** (certified mail vendor) | Send certified demand letters and track delivery | Debtor name/address, claim reference |
+| **Partner law firm** (Tier 4 referral) | Provide legal representation for escalated claims | Claim details, documentation, and correspondence |
+
+### What DRE does NOT do
+
+- DRE does **not** sell, rent, or license your information to any third party.
+- DRE does **not** share your information for marketing purposes.
+- DRE shares only the minimum information necessary for each provider to perform its function.
+- DRE does **not** report individual consumer credit information to credit bureaus except as expressly required by law (and only where a valid signed personal guarantee exists).
+
+### Duration
+
+This consent remains in effect for the duration of your engagement with DRE for the applicable claim, and may be revoked in writing at any time. Revocation will not affect disclosures lawfully made before receipt of the revocation.
+
+### Acknowledgment
+
+By signing, you consent to the disclosures described above.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | |
+| ________________________ | |
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+# DEBTOR INFORMATION SHEET
+## Debt Recovery Experts, LLC
+
+Complete one sheet per debtor. The more complete the information, the faster and more effective the recovery. **Legal entity name must match the entity that actually owes the debt** — this determines the correct registered agent, service address, and (critically) whether a personal guarantee applies.
+
+## Debtor Identification
+
+| Field | Value |
+|---|---|
+| **Legal entity name** (exact) | {{debtor_legal_name}} |
+| Entity type (LLC / Corp / Sole Prop / Partnership / Individual) | {{debtor_entity_type}} |
+| DBA / trade name (if any) | {{debtor_dba}} |
+| State of formation | {{debtor_state}} |
+| Registered agent (name) | {{debtor_registered_agent}} |
+| Registered agent address | {{debtor_registered_agent_address}} |
+| EIN / Tax ID (if known) | {{debtor_ein}} |
+| Website | {{debtor_website}} |
+
+## Contact Information
+
+| Field | Value |
+|---|---|
+| Primary contact name | {{debtor_contact_name}} |
+| Title | {{debtor_contact_title}} |
+| Direct phone | {{debtor_contact_phone}} |
+| Email | {{debtor_contact_email}} |
+| Business address (street) | {{debtor_address}} |
+| City / State / ZIP | {{debtor_city_state_zip}} |
+| Alternate address (branch/warehouse) | {{debtor_alt_address}} |
+
+## Principals / Owners (for personal guarantee determination)
+
+| Name | Title | Phone | Email |
+|---|---|---|---|
+| ________________________ | ______ | ______ | ______ |
+| ________________________ | ______ | ______ | ______ |
+
+## Banking / Payment Relationships (if known)
+
+| Field | Value |
+|---|---|
+| Bank / financial institution | {{debtor_bank}} |
+| Any known accounts receivable / lenders | {{debtor_ar_lenders}} |
+
+## Personal Guarantee
+
+Does a **signed personal guarantee** exist for this debt?
+
+- [ ] **Yes** — a signed written personal guarantee exists (attach a copy). This is critical: without it, DRE cannot pursue an individual's personal credit or assets.
+- [ ] **No** — this is a business-to-business debt only.
+- [ ] **Unsure**
+
+If yes, who signed the guarantee? {{personal_guarantee_signer}}
+
+## Notes
+
+________________________________________________________________________
+
+________________________________________________________________________
+
+---
+
+*Submit this sheet together with your claim substantiation (statement of account, contracts, invoices, proof of delivery, correspondence, and payment history). Recovery cannot begin until the complete packet is received.*
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+# ACH / DISBURSEMENT AUTHORIZATION
+## Debt Recovery Experts, LLC
+
+This form authorizes Debt Recovery Experts, LLC ("DRE") to disburse recovered funds (net of contingency fee and itemized costs) to the Client's bank account identified below.
+
+## Account Holder Information
+
+| Field | Value |
+|---|---|
+| **Account holder legal name** (must match W-9) | {{account_holder_name}} |
+| Entity type (if business) | {{account_holder_entity_type}} |
+| Bank name | {{bank_name}} |
+| Account type | [ ] Checking  [ ] Savings |
+| Routing (ABA) number | {{routing_number}} |
+| Account number | {{account_number}} |
+
+## Authorization
+
+The undersigned authorizes DRE to initiate **credit (deposit) entries only** to the account identified above for the purpose of disbursing settlement proceeds. This authorization is for **deposits only** — DRE is **not** authorized to debit this account for any reason.
+
+This authorization remains in effect until revoked in writing by the undersigned.
+
+## Tax Reporting
+
+The undersigned acknowledges that recovered funds may be subject to tax reporting, and that DRE requires a valid IRS Form W-9 on file before any disbursement. DRE will not disburse funds without a completed W-9.
+
+| | |
+|---|---|
+| **Client Signature** | **Date** |
+| ________________________ | ________________________ |
+| **Print Name** | **Title** |
+| ________________________ | ________________________ |
+| **Company (if applicable)** | |
+| ________________________ | |