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).
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# DEBT RECOVERY EXPERTS, LLC
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## TERMS OF SERVICE
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**Last updated: August 23, 2026**
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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.
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### 1. Services
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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.
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**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.
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### 2. Contingency Fee Basis
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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.
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### 3. Costs and Expenses
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Certain out-of-pocket costs may be deducted from recovered funds before disbursement, regardless of the tier at which the claim resolves:
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- Remote online notary fee (one-time, per LPOA execution)
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- Certified mail / LetterStream postage and service fees
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- Court filing fees and recording fees (only if a lien or legal action is pursued)
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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.
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### 4. Settlement Authority
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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.
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### 5. Disbursement
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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.
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### 6. Compliance and Representations
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You represent and warrant that:
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1. The debt you are referring is a valid, enforceable commercial obligation owed to you.
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2. The information and documentation you provide (amount, aging, contracts, invoices, delivery proof) is true and accurate.
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3. You are authorized to refer the debt and to execute this agreement on behalf of the claimant entity.
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You acknowledge that DRE will rely on these representations in its collection efforts, and that providing materially false information may expose you to liability.
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### 7. Third-Party Services
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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.
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### 8. Termination
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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.
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### 9. Limitation of Liability; Indemnification
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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.
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### 10. Governing Law; Dispute Resolution
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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.
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### 11. Entire Agreement
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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.
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---
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## CLIENT ACKNOWLEDGMENT
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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.
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|---|---|
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| **Client Signature** | **Date** |
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| ________________________ | ________________________ |
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| **Print Name** | **Title** |
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| ________________________ | ________________________ |
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| **Company (if applicable)** | |
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| ________________________ | |
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