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

Browse Source 
- 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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2026-08-26 02:26:33 -04:00
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commit 7a62b0b340
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landing-mockups/004-institutional-trust-v2.html
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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Debt Recovery Experts - Texas Debt Recovery, Handled Properly</title>
<link rel="icon" href="/favicon.svg" type="image/svg+xml">
<link rel="icon" href="/favicon-32.png" type="image/png" sizes="32x32">
<link rel="apple-touch-icon" href="/favicon-180.png">
<link rel="preconnect" href="https://fonts.googleapis.com">
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=Inter:wght@400;500;600&display=swap" rel="stylesheet">
<style>
:root {
--navy-950: #10192b;
--navy-900: #16213a;
--navy-800: #1f2d4a;
--navy-700: #2b3d5f;
--navy-600: #3d5378;
--slate-500: #64748b;
--slate-400: #8593a8;
--slate-300: #b3bdcc;
--slate-200: #d8dee7;
--slate-100: #eceff4;
--paper: #faf9f6;
--paper-alt: #f2f0ea;
--line: #dcdfe6;
--gold: #9c7c3f;
--white: #ffffff;
--radius: 3px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
margin: 0;
font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
color: var(--navy-900);
background: var(--paper);
line-height: 1.6;
font-size: 16px;
}
h1, h2, h3, h4 {
font-family: 'Source Serif 4', Georgia, 'Times New Roman', serif;
font-weight: 600;
color: var(--navy-950);
margin: 0 0 0.5em 0;
letter-spacing: -0.01em;
}
p { margin: 0 0 1em 0; }
a { color: inherit; text-decoration: none; }
.container {
max-width: 1140px;
margin: 0 auto;
padding: 0 32px;
}
.eyebrow {
font-size: 0.78rem;
letter-spacing: 0.14em;
text-transform: uppercase;
color: var(--gold);
font-weight: 600;
margin-bottom: 14px;
display: block;
}
/* ---------- Top compliance strip ---------- */
.top-strip {
background: var(--navy-950);
color: var(--slate-300);
font-size: 0.82rem;
padding: 8px 0;
border-bottom: 1px solid rgba(255,255,255,0.08);
}
.top-strip .container {
display: flex;
justify-content: space-between;
align-items: center;
flex-wrap: wrap;
gap: 8px;
}
.top-strip a:hover { color: var(--white); }
.top-strip .divider { opacity: 0.4; margin: 0 10px; }
/* ---------- Header / nav ---------- */
header.main {
background: var(--white);
border-bottom: 1px solid var(--line);
position: sticky;
top: 0;
z-index: 50;
}
.nav-wrap {
display: flex;
align-items: center;
justify-content: space-between;
padding: 14px 0;
}
.brand {
display: flex;
align-items: center;
gap: 12px;
}
.brand-mark {
width: 42px;
height: 42px;
border: 1.5px solid var(--navy-900);
border-radius: 50%;
display: flex;
align-items: center;
justify-content: center;
font-family: 'Source Serif 4', serif;
font-weight: 600;
font-size: 1.05rem;
color: var(--navy-900);
flex-shrink: 0;
}
.brand-text {
font-family: 'Source Serif 4', serif;
font-size: 1.18rem;
font-weight: 600;
color: var(--navy-950);
line-height: 1.1;
}
.brand-text small {
display: block;
font-family: 'Inter', sans-serif;
font-weight: 500;
font-size: 0.66rem;
letter-spacing: 0.12em;
text-transform: uppercase;
color: var(--slate-500);
margin-top: 3px;
}
nav.primary-nav {
display: flex;
align-items: center;
gap: 26px;
}
nav.primary-nav a.nav-link {
font-size: 0.9rem;
font-weight: 500;
color: var(--navy-800);
padding: 4px 0;
white-space: nowrap;
border-bottom: 2px solid transparent;
transition: border-color 0.15s ease, color 0.15s ease;
}
nav.primary-nav a.nav-link:hover {
color: var(--gold);
border-bottom-color: var(--gold);
}
.header-ctas {
display: flex;
align-items: center;
gap: 10px;
}
.btn {
display: inline-block;
padding: 12px 26px;
font-size: 0.92rem;
font-weight: 600;
border-radius: var(--radius);
border: 1.5px solid transparent;
cursor: pointer;
transition: all 0.15s ease;
text-align: center;
white-space: nowrap;
}
.btn-primary {
background: var(--navy-950);
color: var(--white);
border-color: var(--navy-950);
}
.btn-primary:hover { background: var(--navy-800); border-color: var(--navy-800); }
.btn-secondary {
background: transparent;
color: var(--navy-700);
border-color: var(--slate-300);
}
.btn-secondary:hover { background: var(--slate-100); border-color: var(--navy-600); color: var(--navy-900); }
.btn-ghost {
background: transparent;
color: var(--navy-800);
border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--navy-700); }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }
.btn-block { display: block; width: 100%; }
/* mobile nav toggle (css-only) */
.nav-toggle { display: none; }
.nav-toggle-label {
display: none;
cursor: pointer;
padding: 8px;
}
.nav-toggle-label span,
.nav-toggle-label span::before,
.nav-toggle-label span::after {
display: block;
width: 24px;
height: 2px;
background: var(--navy-900);
position: relative;
transition: all 0.2s ease;
}
.nav-toggle-label span::before,
.nav-toggle-label span::after {
content: "";
position: absolute;
}
.nav-toggle-label span::before { top: -7px; }
.nav-toggle-label span::after { top: 7px; }
/* ---------- Hero ---------- */
.hero {
background: linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 65%, var(--navy-800) 100%);
color: var(--white);
padding: 96px 0 84px;
position: relative;
overflow: hidden;
}
.hero::after {
content: "";
position: absolute;
right: -10%;
top: -20%;
width: 560px;
height: 560px;
border: 1px solid rgba(255,255,255,0.06);
border-radius: 50%;
}
.hero::before {
content: "";
position: absolute;
right: 4%;
bottom: -30%;
width: 380px;
height: 380px;
border: 1px solid rgba(255,255,255,0.05);
border-radius: 50%;
}
.hero .container { position: relative; z-index: 2; }
.hero-inner {
max-width: 700px;
}
.hero .eyebrow { color: var(--slate-300); }
.hero h1 {
color: var(--white);
font-size: 2.9rem;
line-height: 1.18;
margin-bottom: 22px;
}
.hero .subhead {
font-size: 1.15rem;
color: var(--slate-200);
max-width: 560px;
margin-bottom: 38px;
font-weight: 400;
}
.hero-ctas {
display: flex;
align-items: center;
gap: 16px;
flex-wrap: wrap;
margin-bottom: 40px;
}
.hero .btn-primary {
background: var(--white);
color: var(--navy-950);
border-color: var(--white);
}
.hero .btn-primary:hover { background: var(--slate-200); border-color: var(--slate-200); }
.hero .btn-text {
display: inline-block;
padding: 12px 4px;
font-size: 0.92rem;
font-weight: 500;
color: var(--slate-200);
border-bottom: 1px solid rgba(255,255,255,0.3);
border-radius: 0;
}
.hero .btn-text:hover { color: var(--white); border-bottom-color: var(--white); }
.hero-trust-row {
display: flex;
gap: 28px;
flex-wrap: wrap;
padding-top: 30px;
border-top: 1px solid rgba(255,255,255,0.14);
}
.hero-trust-item {
display: flex;
align-items: center;
gap: 10px;
font-size: 0.85rem;
color: var(--slate-300);
}
.hero-trust-item .dot {
width: 6px;
height: 6px;
border-radius: 50%;
background: var(--gold);
flex-shrink: 0;
}
/* ---------- Section shell ---------- */
section { padding: 88px 0; }
.section-head {
max-width: 660px;
margin: 0 auto 56px;
text-align: center;
}
.section-head h2 { font-size: 2.1rem; }
.section-head p { color: var(--slate-500); font-size: 1.05rem; }
.bg-alt { background: var(--paper-alt); }
.bg-navy { background: var(--navy-950); color: var(--slate-200); }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
/* ---------- Who we serve ---------- */
.audience-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 32px;
}
.audience-card {
background: var(--white);
border: 1px solid var(--line);
border-top: 3px solid var(--navy-900);
border-radius: var(--radius);
padding: 44px 40px;
}
.audience-card.debtor-card { border-top-color: var(--gold); }
.audience-icon {
width: 52px;
height: 52px;
border: 1.5px solid var(--navy-800);
border-radius: 50%;
display: flex;
align-items: center;
justify-content: center;
margin-bottom: 22px;
color: var(--navy-800);
}
.debtor-card .audience-icon { border-color: var(--gold); color: var(--gold); }
.audience-card h3 { font-size: 1.4rem; margin-bottom: 12px; }
.audience-card .tag {
display: inline-block;
font-size: 0.72rem;
letter-spacing: 0.1em;
text-transform: uppercase;
font-weight: 600;
color: var(--slate-500);
margin-bottom: 16px;
}
.audience-card ul {
list-style: none;
padding: 0;
margin: 0 0 28px 0;
}
.audience-card li {
padding: 9px 0 9px 26px;
position: relative;
color: var(--navy-800);
font-size: 0.96rem;
border-bottom: 1px solid var(--slate-100);
}
.audience-card li:last-child { border-bottom: none; }
.audience-card li::before {
content: "";
position: absolute;
left: 0;
top: 17px;
width: 8px;
height: 8px;
border: 1.5px solid var(--navy-700);
transform: rotate(45deg);
}
.debtor-card li::before { border-color: var(--gold); }
/* ---------- How it works ---------- */
.steps {
display: grid;
grid-template-columns: repeat(4, 1fr);
gap: 0;
position: relative;
}
.step {
padding: 0 26px;
position: relative;
}
.step:not(:first-child)::before {
content: "";
position: absolute;
left: 0;
top: 26px;
width: 1px;
height: calc(100% - 40px);
background: var(--line);
}
.step-num {
font-family: 'Source Serif 4', serif;
font-size: 2.4rem;
font-weight: 600;
color: var(--slate-300);
margin-bottom: 14px;
line-height: 1;
}
.step h4 { font-size: 1.08rem; margin-bottom: 10px; }
.step p { color: var(--slate-500); font-size: 0.93rem; margin-bottom: 0; }
/* ---------- Compliance section ---------- */
.compliance-grid {
display: grid;
grid-template-columns: 1.1fr 1fr;
gap: 64px;
align-items: start;
}
.compliance-copy .eyebrow { color: var(--gold); }
.compliance-copy h2 { font-size: 2.1rem; margin-bottom: 20px; }
.compliance-copy p { color: var(--slate-300); font-size: 1.02rem; }
.compliance-list {
display: flex;
flex-direction: column;
gap: 0;
}
.compliance-item {
display: flex;
gap: 20px;
padding: 24px 0;
border-bottom: 1px solid rgba(255,255,255,0.1);
}
.compliance-item:first-child { padding-top: 0; }
.compliance-badge {
flex-shrink: 0;
width: 46px;
height: 46px;
border: 1px solid rgba(255,255,255,0.25);
border-radius: 50%;
display: flex;
align-items: center;
justify-content: center;
font-family: 'Source Serif 4', serif;
font-weight: 600;
font-size: 0.82rem;
color: var(--white);
letter-spacing: 0.02em;
}
.compliance-item h4 {
font-size: 1.02rem;
margin-bottom: 6px;
}
.compliance-item p {
color: var(--slate-400);
font-size: 0.9rem;
margin: 0;
}
/* ---------- CTA band ---------- */
.cta-band {
background: var(--paper-alt);
border-top: 1px solid var(--line);
border-bottom: 1px solid var(--line);
}
.cta-band-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 0;
}
.cta-band-col {
padding: 56px 48px;
}
.cta-band-col:first-child {
border-right: 1px solid var(--line);
}
.cta-band-col .eyebrow { margin-bottom: 10px; }
.cta-band-col h3 { font-size: 1.5rem; margin-bottom: 10px; }
.cta-band-col p { color: var(--slate-500); margin-bottom: 22px; font-size: 0.96rem; }
/* ---------- Footer ---------- */
footer {
background: var(--navy-950);
color: var(--slate-400);
padding: 64px 0 28px;
font-size: 0.9rem;
}
.footer-grid {
display: grid;
grid-template-columns: 1.4fr 1fr 1fr 1fr;
gap: 40px;
padding-bottom: 44px;
border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .brand-text { color: var(--white); }
.footer-brand p {
color: var(--slate-400);
margin-top: 16px;
max-width: 320px;
font-size: 0.88rem;
}
.footer-col h5 {
color: var(--white);
font-size: 0.78rem;
letter-spacing: 0.1em;
text-transform: uppercase;
font-weight: 600;
margin-bottom: 18px;
font-family: 'Inter', sans-serif;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 12px; }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
padding-top: 28px;
display: flex;
justify-content: space-between;
align-items: flex-start;
gap: 24px;
flex-wrap: wrap;
}
.footer-legal {
font-size: 0.8rem;
color: var(--slate-500);
max-width: 720px;
line-height: 1.7;
}
.footer-legal p { margin-bottom: 10px; }
.footer-links-inline {
display: flex;
gap: 20px;
flex-wrap: wrap;
font-size: 0.82rem;
}
.footer-links-inline a:hover { color: var(--white); }
/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
.nav-toggle-label { display: block; }
nav.primary-nav {
position: absolute;
top: 100%;
left: 0;
right: 0;
background: var(--white);
flex-direction: column;
align-items: flex-start;
gap: 0;
border-bottom: 1px solid var(--line);
max-height: 0;
overflow: hidden;
transition: max-height 0.25s ease;
}
.nav-toggle:checked ~ nav.primary-nav { max-height: 320px; }
nav.primary-nav a.nav-link {
width: 100%;
padding: 16px 32px;
border-bottom: 1px solid var(--slate-100);
border-left: none;
}
}
@media (max-width: 900px) {
.audience-grid { grid-template-columns: 1fr; }
.steps { grid-template-columns: 1fr 1fr; row-gap: 40px; }
.step:nth-child(3)::before, .step:nth-child(1)::before { display: none; }
.compliance-grid { grid-template-columns: 1fr; gap: 40px; }
.cta-band-grid { grid-template-columns: 1fr; }
.cta-band-col:first-child { border-right: none; border-bottom: 1px solid var(--line); }
.footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 700px) {
.top-strip .container { flex-direction: column; align-items: flex-start; gap: 4px; }
.nav-toggle-label { display: block; }
nav.primary-nav {
position: absolute;
top: 100%;
left: 0;
right: 0;
background: var(--white);
flex-direction: column;
align-items: flex-start;
gap: 0;
border-bottom: 1px solid var(--line);
max-height: 0;
overflow: hidden;
transition: max-height 0.25s ease;
}
.nav-toggle:checked ~ nav.primary-nav { max-height: 320px; }
nav.primary-nav a.nav-link {
width: 100%;
padding: 16px 32px;
border-bottom: 1px solid var(--slate-100);
border-left: none;
}
.header-ctas .btn-secondary { display: none; }
.hero { padding: 64px 0 56px; }
.hero h1 { font-size: 2.1rem; }
.hero-trust-row { flex-direction: column; gap: 12px; }
section { padding: 60px 0; }
.steps { grid-template-columns: 1fr; }
.step::before { display: none !important; }
.footer-grid { grid-template-columns: 1fr; gap: 32px; }
.footer-bottom { flex-direction: column; }
}
</style>
</head>
<body>
<!-- Top compliance strip -->
<div class="top-strip">
<div class="container">
<div>
Licensed Texas debt recovery firm operating under FDCPA and TDCPA guidelines
</div>
<div>
<a href="#contact">Contact us</a>
<span class="divider">|</span>
<a href="https://pay.debtrecoveryexperts.com">Make a payment</a>
</div>
</div>
</div>
<!-- Header -->
<header class="main">
<div class="container">
<div class="nav-wrap">
<a href="#top" class="brand">
<span class="brand-mark">DRE</span>
<span class="brand-text">Debt Recovery Experts</span>
</a>
<input type="checkbox" id="nav-toggle" class="nav-toggle">
<label for="nav-toggle" class="nav-toggle-label" aria-label="Toggle navigation"><span></span></label>
<nav class="primary-nav">
<a class="nav-link" href="#services">Services</a>
<a class="nav-link" href="#how-it-works">How It Works</a>
<a class="nav-link" href="#creditors">For Creditors</a>
<a class="nav-link" href="#debtors">For Debtors</a>
<a class="nav-link" href="#contact">Contact</a>
</nav>
<div class="header-ctas">
<a href="https://my.debtrecoveryexperts.com" class="btn btn-secondary btn-sm">Client Login</a>
<a href="https://my.debtrecoveryexperts.com/start" class="btn btn-primary btn-sm">Submit a Claim</a>
</div>
</div>
</div>
</header>
<!-- Hero -->
<section class="hero" id="top">
<div class="container">
<div class="hero-inner">
<span class="eyebrow">Texas Debt Recovery, Handled Properly</span>
<h1>Recover what you are owed, without cutting corners on compliance.</h1>
<p class="subhead">
Debt Recovery Experts represents Texas businesses in the recovery of commercial and consumer debt,
under the same regulatory discipline we would want applied to our own accounts. Deliberate process,
documented compliance, and clear communication at every stage.
</p>
<div class="hero-ctas">
<a href="https://my.debtrecoveryexperts.com/start" class="btn btn-primary">Submit a Claim</a>
<a href="https://pay.debtrecoveryexperts.com" class="btn-text">Make a Payment</a>
</div>
<div class="hero-trust-row">
<div class="hero-trust-item"><span class="dot"></span> FDCPA compliant procedures</div>
<div class="hero-trust-item"><span class="dot"></span> TDCPA compliant, Texas licensed</div>
<div class="hero-trust-item"><span class="dot"></span> Secure handling of account data</div>
</div>
</div>
</div>
</section>
<!-- Who we serve -->
<section id="services">
<div class="container">
<div class="section-head">
<span class="eyebrow">Who We Serve</span>
<h2>Two sides of every account, one standard of conduct</h2>
<p>Whether you are owed money or working through a balance you owe, our process is built to be clear,
fair, and fully documented.</p>
</div>
<div class="audience-grid">
<div class="audience-card" id="creditors">
<div class="audience-icon">C</div>
<span class="tag">For Creditors</span>
<h3>Place an account for recovery</h3>
<p>For businesses seeking to recover outstanding commercial or consumer receivables through a
structured, compliant process.</p>
<ul>
<li>Submit claims through a secure intake portal</li>
<li>Track case status and correspondence in one place</li>
<li>Work with a firm that documents every contact attempt</li>
<li>Portfolio placement for single accounts or batches</li>
</ul>
<a href="https://my.debtrecoveryexperts.com/start" class="btn btn-primary btn-block">Submit a Claim</a>
</div>
<div class="audience-card debtor-card" id="debtors">
<div class="audience-icon">D</div>
<span class="tag">For Debtors</span>
<h3>Resolve an outstanding balance</h3>
<p>If you have received correspondence from our office regarding an account, you have options and
you have rights under federal and state law.</p>
<ul>
<li>Review your account and verify the balance owed</li>
<li>Make a secure payment or set up arrangements</li>
<li>Understand your rights under the FDCPA and TDCPA</li>
<li>Reach a representative directly with questions</li>
</ul>
<a href="https://pay.debtrecoveryexperts.com" class="btn btn-secondary btn-block">Make a Payment</a>
</div>
</div>
</div>
</section>
<!-- How it works -->
<section class="bg-alt" id="how-it-works">
<div class="container">
<div class="section-head">
<span class="eyebrow">How It Works</span>
<h2>A deliberate, documented process</h2>
<p>From claim submission to resolution, each step is tracked and each communication is recorded.</p>
</div>
<div class="steps">
<div class="step">
<div class="step-num">01</div>
<h4>Submit the claim</h4>
<p>A creditor submits account details through the secure intake portal, including balance and
supporting documentation.</p>
</div>
<div class="step">
<div class="step-num">02</div>
<h4>Review and verification</h4>
<p>Our team reviews the account for completeness and confirms it meets requirements before
placement.</p>
</div>
<div class="step">
<div class="step-num">03</div>
<h4>Compliant contact and negotiation</h4>
<p>The debtor is contacted in accordance with FDCPA and TDCPA requirements to verify and resolve
the balance.</p>
</div>
<div class="step">
<div class="step-num">04</div>
<h4>Resolution and reporting</h4>
<p>Payments are processed and the creditor receives status updates through their client
dashboard.</p>
</div>
</div>
</div>
</section>
<!-- Compliance -->
<section class="bg-navy">
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<div class="compliance-grid">
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<span class="eyebrow">Compliance First</span>
<h2>Recovery conducted within the letter of the law</h2>
<p>
Debt recovery is a regulated activity, and we treat it that way. Our procedures are built around
the Fair Debt Collection Practices Act and the Texas Debt Collection Act, with internal controls
designed to keep every contact, disclosure, and payment within bounds.
</p>
<p>
This is not a marketing claim, it is how the office is structured to operate day to day.
</p>
</div>
<div class="compliance-list">
<div class="compliance-item">
<div class="compliance-badge">FDCPA</div>
<div>
<h4>Federal Fair Debt Collection Practices Act</h4>
<p>Governs communication frequency, disclosure requirements, and prohibited practices in
consumer debt collection.</p>
</div>
</div>
<div class="compliance-item">
<div class="compliance-badge">TDCPA</div>
<div>
<h4>Texas Debt Collection Act</h4>
<p>State-level requirements for licensing, bonding, and conduct for debt collectors operating
in Texas.</p>
</div>
</div>
<div class="compliance-item">
<div class="compliance-badge">SEC</div>
<div>
<h4>Secure data handling</h4>
<p>Account and payment information is handled through encrypted channels with access limited
to authorized personnel.</p>
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<span class="eyebrow">New Creditor</span>
<h3>Ready to place an account?</h3>
<p>Submit claim details through our secure intake portal and a member of our team will confirm
receipt.</p>
<a href="https://my.debtrecoveryexperts.com/start" class="btn btn-primary">Submit a Claim</a>
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<span class="eyebrow">Existing Client</span>
<h3>Track your recovery</h3>
<p>Log in to your client dashboard to review case status, correspondence, and reporting on
placed accounts.</p>
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<span class="brand-mark" style="border-color: var(--white); color: var(--white);">DRE</span>
<span class="brand-text">Debt Recovery Experts</span>
</a>
<p>A Texas-based debt recovery firm serving creditors and debtors under FDCPA and TDCPA
compliance standards.</p>
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<p>
Debt Recovery Experts is a debt collection firm. This communication is an attempt to collect a
debt and any information obtained will be used for that purpose, where applicable. You have
rights under the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act,
including the right to dispute a debt and request verification.
</p>
<p>Licensed in the State of Texas. Licensing, bonding, and registration details are available upon request.</p>
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