root
7a62b0b340
- 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).
53 lines
2.3 KiB
Markdown
53 lines
2.3 KiB
Markdown
# SCHEDULE A — FEE SCHEDULE
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## Debt Recovery Experts, LLC
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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.
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## Contingency Fee by Recovery Tier
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The fee is determined by the tier at which the claim resolves (i.e., the point at which the debtor pays):
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| Tier | Description | DRE Fee |
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|---|---|---|
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| **Tier 1** | Soft Touch demand | **20-25%** of amount recovered |
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| **Tier 2** | Formal Demand | **30%** of amount recovered |
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| **Tier 2.5** | Lien Threat (construction claims) | **30%** of amount recovered, plus attorney fees only if a lien is actually filed through counsel |
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| **Tier 3** | Final Notice | **33%** of amount recovered |
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| **Tier 4** | Legal Action (referral to counsel) | **15%** DRE referral fee **plus 25%** law firm fee (40% combined) |
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## Illustrative Example (Tier 2 resolution, $10,000 claim)
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| Item | Amount |
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| Amount recovered | $10,000.00 |
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| DRE contingency fee (30%) | -$3,000.00 |
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| Certified mail + notary costs | -$75.00 |
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| **Net to Client** | **$6,925.00** |
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## Costs and Expenses (deducted from recovery)
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These are actual, itemized out-of-pocket costs, not DRE profit:
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- Remote online notary: one-time, per LPOA (est. $25)
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- Certified mail / LetterStream postage and service fees (actual)
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- Court filing and recording fees (actual, only if lien or litigation pursued, with prior approval)
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## No Recovery, No Fee
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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.
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## Loyalty Pricing (optional)
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Clients with 3+ prior claims may qualify for reduced Tier 1 pricing (e.g., 25% reduced toward 20% at DRE's discretion).
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---
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**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.
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| **Client Signature** | **Date** |
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| ________________________ | ________________________ |
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| **Print Name** | |
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| ________________________ | |
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