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
parent 7a5603b495
commit 7a62b0b340
46 changed files with 11004 additions and 35 deletions
@@ -0,0 +1,85 @@
+# 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.*