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).
949 lines
27 KiB
HTML
949 lines
27 KiB
HTML
<!DOCTYPE html>
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<html lang="en">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>Debt Recovery Experts - Texas Debt Recovery, Handled Properly</title>
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<link rel="icon" href="/favicon.svg" type="image/svg+xml">
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<link rel="icon" href="/favicon-32.png" type="image/png" sizes="32x32">
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<link rel="apple-touch-icon" href="/favicon-180.png">
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<link rel="preconnect" href="https://fonts.googleapis.com">
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<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
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<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">
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<style>
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:root {
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--navy-950: #10192b;
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--navy-900: #16213a;
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--navy-800: #1f2d4a;
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--navy-700: #2b3d5f;
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--navy-600: #3d5378;
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--slate-500: #64748b;
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--slate-400: #8593a8;
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--slate-300: #b3bdcc;
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--slate-200: #d8dee7;
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--slate-100: #eceff4;
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--paper: #faf9f6;
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--paper-alt: #f2f0ea;
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--line: #dcdfe6;
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--gold: #9c7c3f;
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--white: #ffffff;
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--radius: 3px;
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}
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* { box-sizing: border-box; }
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html { scroll-behavior: smooth; }
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body {
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margin: 0;
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font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
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color: var(--navy-900);
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background: var(--paper);
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line-height: 1.6;
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font-size: 16px;
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}
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h1, h2, h3, h4 {
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font-family: 'Source Serif 4', Georgia, 'Times New Roman', serif;
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font-weight: 600;
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color: var(--navy-950);
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margin: 0 0 0.5em 0;
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letter-spacing: -0.01em;
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}
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p { margin: 0 0 1em 0; }
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a { color: inherit; text-decoration: none; }
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.container {
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max-width: 1140px;
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margin: 0 auto;
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padding: 0 32px;
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}
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.eyebrow {
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font-size: 0.78rem;
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letter-spacing: 0.14em;
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text-transform: uppercase;
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color: var(--gold);
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font-weight: 600;
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margin-bottom: 14px;
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display: block;
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}
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/* ---------- Top compliance strip ---------- */
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.top-strip {
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background: var(--navy-950);
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color: var(--slate-300);
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font-size: 0.82rem;
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padding: 8px 0;
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border-bottom: 1px solid rgba(255,255,255,0.08);
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}
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.top-strip .container {
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display: flex;
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justify-content: space-between;
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align-items: center;
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flex-wrap: wrap;
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gap: 8px;
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}
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.top-strip a:hover { color: var(--white); }
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.top-strip .divider { opacity: 0.4; margin: 0 10px; }
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/* ---------- Header / nav ---------- */
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header.main {
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background: var(--white);
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border-bottom: 1px solid var(--line);
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position: sticky;
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top: 0;
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z-index: 50;
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}
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.nav-wrap {
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display: flex;
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align-items: center;
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justify-content: space-between;
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padding: 14px 0;
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}
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.brand {
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display: flex;
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align-items: center;
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gap: 12px;
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}
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.brand-mark {
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width: 42px;
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height: 42px;
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border: 1.5px solid var(--navy-900);
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border-radius: 50%;
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display: flex;
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align-items: center;
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justify-content: center;
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font-family: 'Source Serif 4', serif;
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font-weight: 600;
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font-size: 1.05rem;
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color: var(--navy-900);
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flex-shrink: 0;
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}
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.brand-text {
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font-family: 'Source Serif 4', serif;
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font-size: 1.18rem;
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font-weight: 600;
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color: var(--navy-950);
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line-height: 1.1;
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}
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.brand-text small {
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display: block;
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font-family: 'Inter', sans-serif;
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font-weight: 500;
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font-size: 0.66rem;
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letter-spacing: 0.12em;
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text-transform: uppercase;
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color: var(--slate-500);
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margin-top: 3px;
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}
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nav.primary-nav {
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display: flex;
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align-items: center;
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gap: 26px;
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}
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nav.primary-nav a.nav-link {
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font-size: 0.9rem;
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font-weight: 500;
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color: var(--navy-800);
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padding: 4px 0;
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white-space: nowrap;
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border-bottom: 2px solid transparent;
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transition: border-color 0.15s ease, color 0.15s ease;
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}
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nav.primary-nav a.nav-link:hover {
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color: var(--gold);
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border-bottom-color: var(--gold);
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}
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.header-ctas {
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display: flex;
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align-items: center;
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gap: 10px;
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}
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.btn {
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display: inline-block;
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padding: 12px 26px;
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font-size: 0.92rem;
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font-weight: 600;
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border-radius: var(--radius);
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border: 1.5px solid transparent;
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cursor: pointer;
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transition: all 0.15s ease;
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text-align: center;
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white-space: nowrap;
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}
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.btn-primary {
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background: var(--navy-950);
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color: var(--white);
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border-color: var(--navy-950);
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}
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.btn-primary:hover { background: var(--navy-800); border-color: var(--navy-800); }
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.btn-secondary {
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background: transparent;
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color: var(--navy-700);
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border-color: var(--slate-300);
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}
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.btn-secondary:hover { background: var(--slate-100); border-color: var(--navy-600); color: var(--navy-900); }
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.btn-ghost {
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background: transparent;
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color: var(--navy-800);
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border-color: var(--line);
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}
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.btn-ghost:hover { border-color: var(--navy-700); }
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.btn-sm { padding: 9px 18px; font-size: 0.85rem; }
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.btn-block { display: block; width: 100%; }
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/* mobile nav toggle (css-only) */
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.nav-toggle { display: none; }
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.nav-toggle-label {
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display: none;
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cursor: pointer;
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padding: 8px;
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}
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.nav-toggle-label span,
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.nav-toggle-label span::before,
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.nav-toggle-label span::after {
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display: block;
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width: 24px;
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height: 2px;
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background: var(--navy-900);
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position: relative;
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transition: all 0.2s ease;
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}
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.nav-toggle-label span::before,
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.nav-toggle-label span::after {
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content: "";
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position: absolute;
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}
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.nav-toggle-label span::before { top: -7px; }
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.nav-toggle-label span::after { top: 7px; }
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/* ---------- Hero ---------- */
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.hero {
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background: linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 65%, var(--navy-800) 100%);
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color: var(--white);
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padding: 96px 0 84px;
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position: relative;
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overflow: hidden;
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}
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.hero::after {
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content: "";
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position: absolute;
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right: -10%;
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top: -20%;
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width: 560px;
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height: 560px;
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border: 1px solid rgba(255,255,255,0.06);
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border-radius: 50%;
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}
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.hero::before {
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content: "";
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position: absolute;
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right: 4%;
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bottom: -30%;
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width: 380px;
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height: 380px;
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border: 1px solid rgba(255,255,255,0.05);
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border-radius: 50%;
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}
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.hero .container { position: relative; z-index: 2; }
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.hero-inner {
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max-width: 700px;
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}
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.hero .eyebrow { color: var(--slate-300); }
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.hero h1 {
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color: var(--white);
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font-size: 2.9rem;
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line-height: 1.18;
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margin-bottom: 22px;
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}
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.hero .subhead {
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font-size: 1.15rem;
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color: var(--slate-200);
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max-width: 560px;
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margin-bottom: 38px;
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font-weight: 400;
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}
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.hero-ctas {
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display: flex;
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align-items: center;
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gap: 16px;
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flex-wrap: wrap;
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margin-bottom: 40px;
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}
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.hero .btn-primary {
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background: var(--white);
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color: var(--navy-950);
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border-color: var(--white);
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}
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.hero .btn-primary:hover { background: var(--slate-200); border-color: var(--slate-200); }
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.hero .btn-text {
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display: inline-block;
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padding: 12px 4px;
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font-size: 0.92rem;
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font-weight: 500;
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color: var(--slate-200);
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border-bottom: 1px solid rgba(255,255,255,0.3);
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border-radius: 0;
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}
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.hero .btn-text:hover { color: var(--white); border-bottom-color: var(--white); }
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.hero-trust-row {
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display: flex;
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gap: 28px;
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flex-wrap: wrap;
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padding-top: 30px;
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border-top: 1px solid rgba(255,255,255,0.14);
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}
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.hero-trust-item {
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display: flex;
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align-items: center;
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gap: 10px;
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font-size: 0.85rem;
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color: var(--slate-300);
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}
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.hero-trust-item .dot {
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width: 6px;
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height: 6px;
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border-radius: 50%;
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background: var(--gold);
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flex-shrink: 0;
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}
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/* ---------- Section shell ---------- */
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section { padding: 88px 0; }
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.section-head {
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max-width: 660px;
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margin: 0 auto 56px;
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text-align: center;
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}
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.section-head h2 { font-size: 2.1rem; }
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.section-head p { color: var(--slate-500); font-size: 1.05rem; }
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.bg-alt { background: var(--paper-alt); }
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.bg-navy { background: var(--navy-950); color: var(--slate-200); }
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.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
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/* ---------- Who we serve ---------- */
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.audience-grid {
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display: grid;
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grid-template-columns: 1fr 1fr;
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gap: 32px;
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}
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.audience-card {
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background: var(--white);
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border: 1px solid var(--line);
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border-top: 3px solid var(--navy-900);
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border-radius: var(--radius);
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padding: 44px 40px;
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}
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.audience-card.debtor-card { border-top-color: var(--gold); }
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.audience-icon {
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width: 52px;
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height: 52px;
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border: 1.5px solid var(--navy-800);
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border-radius: 50%;
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display: flex;
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align-items: center;
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justify-content: center;
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margin-bottom: 22px;
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color: var(--navy-800);
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}
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.debtor-card .audience-icon { border-color: var(--gold); color: var(--gold); }
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.audience-card h3 { font-size: 1.4rem; margin-bottom: 12px; }
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.audience-card .tag {
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display: inline-block;
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font-size: 0.72rem;
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letter-spacing: 0.1em;
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text-transform: uppercase;
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font-weight: 600;
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color: var(--slate-500);
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margin-bottom: 16px;
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}
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.audience-card ul {
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list-style: none;
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padding: 0;
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margin: 0 0 28px 0;
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}
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.audience-card li {
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padding: 9px 0 9px 26px;
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position: relative;
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color: var(--navy-800);
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font-size: 0.96rem;
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border-bottom: 1px solid var(--slate-100);
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}
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.audience-card li:last-child { border-bottom: none; }
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.audience-card li::before {
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content: "";
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position: absolute;
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left: 0;
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top: 17px;
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width: 8px;
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height: 8px;
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border: 1.5px solid var(--navy-700);
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transform: rotate(45deg);
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}
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.debtor-card li::before { border-color: var(--gold); }
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/* ---------- How it works ---------- */
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.steps {
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display: grid;
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grid-template-columns: repeat(4, 1fr);
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gap: 0;
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position: relative;
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}
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.step {
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padding: 0 26px;
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position: relative;
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}
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.step:not(:first-child)::before {
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content: "";
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position: absolute;
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left: 0;
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top: 26px;
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width: 1px;
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height: calc(100% - 40px);
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background: var(--line);
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}
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.step-num {
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font-family: 'Source Serif 4', serif;
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font-size: 2.4rem;
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font-weight: 600;
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color: var(--slate-300);
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margin-bottom: 14px;
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line-height: 1;
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}
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.step h4 { font-size: 1.08rem; margin-bottom: 10px; }
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.step p { color: var(--slate-500); font-size: 0.93rem; margin-bottom: 0; }
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/* ---------- Compliance section ---------- */
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.compliance-grid {
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display: grid;
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grid-template-columns: 1.1fr 1fr;
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gap: 64px;
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align-items: start;
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}
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.compliance-copy .eyebrow { color: var(--gold); }
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.compliance-copy h2 { font-size: 2.1rem; margin-bottom: 20px; }
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.compliance-copy p { color: var(--slate-300); font-size: 1.02rem; }
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.compliance-list {
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display: flex;
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flex-direction: column;
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gap: 0;
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}
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.compliance-item {
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display: flex;
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gap: 20px;
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padding: 24px 0;
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border-bottom: 1px solid rgba(255,255,255,0.1);
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}
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.compliance-item:first-child { padding-top: 0; }
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.compliance-badge {
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flex-shrink: 0;
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width: 46px;
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height: 46px;
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border: 1px solid rgba(255,255,255,0.25);
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border-radius: 50%;
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display: flex;
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align-items: center;
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justify-content: center;
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font-family: 'Source Serif 4', serif;
|
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font-weight: 600;
|
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font-size: 0.82rem;
|
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color: var(--white);
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letter-spacing: 0.02em;
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}
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.compliance-item h4 {
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font-size: 1.02rem;
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margin-bottom: 6px;
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}
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.compliance-item p {
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color: var(--slate-400);
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font-size: 0.9rem;
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margin: 0;
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}
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/* ---------- CTA band ---------- */
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.cta-band {
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background: var(--paper-alt);
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border-top: 1px solid var(--line);
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border-bottom: 1px solid var(--line);
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}
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.cta-band-grid {
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display: grid;
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grid-template-columns: 1fr 1fr;
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gap: 0;
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}
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.cta-band-col {
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padding: 56px 48px;
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}
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.cta-band-col:first-child {
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border-right: 1px solid var(--line);
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}
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.cta-band-col .eyebrow { margin-bottom: 10px; }
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.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">
|
|
<div class="container">
|
|
<div class="compliance-grid">
|
|
<div class="compliance-copy">
|
|
<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>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
</section>
|
|
|
|
<!-- CTA band -->
|
|
<section class="cta-band" style="padding: 0;">
|
|
<div class="container" style="padding: 0;">
|
|
<div class="cta-band-grid">
|
|
<div class="cta-band-col">
|
|
<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>
|
|
</div>
|
|
<div class="cta-band-col">
|
|
<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>
|
|
<a href="https://my.debtrecoveryexperts.com" class="btn btn-secondary">Client Login</a>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
</section>
|
|
|
|
<!-- Footer -->
|
|
<footer id="contact">
|
|
<div class="container">
|
|
<div class="footer-grid">
|
|
<div class="footer-col footer-brand">
|
|
<a href="#top" class="brand">
|
|
<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>
|
|
</div>
|
|
|
|
<div class="footer-col">
|
|
<h5>Firm</h5>
|
|
<ul>
|
|
<li><a href="#services">Services</a></li>
|
|
<li><a href="#how-it-works">How It Works</a></li>
|
|
<li><a href="#contact">Contact</a></li>
|
|
</ul>
|
|
</div>
|
|
|
|
<div class="footer-col">
|
|
<h5>Portals</h5>
|
|
<ul>
|
|
<li><a href="https://my.debtrecoveryexperts.com/start">Submit a Claim</a></li>
|
|
<li><a href="https://my.debtrecoveryexperts.com">Client Login</a></li>
|
|
<li><a href="https://pay.debtrecoveryexperts.com">Make a Payment</a></li>
|
|
</ul>
|
|
</div>
|
|
|
|
<div class="footer-col">
|
|
<h5>Contact</h5>
|
|
<ul>
|
|
<li>Serving all of Texas</li>
|
|
<li>Licensed in the State of Texas</li>
|
|
<li><a href="https://my.debtrecoveryexperts.com/start">Submit a Claim</a></li>
|
|
</ul>
|
|
</div>
|
|
</div>
|
|
|
|
<div class="footer-bottom">
|
|
<div class="footer-legal">
|
|
<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>
|
|
</div>
|
|
<div class="footer-links-inline">
|
|
<a href="/privacy.html">Privacy Policy</a>
|
|
<a href="/terms.html">Terms of Use</a>
|
|
<a href="/aup.html">Acceptable Use Policy</a>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
</footer>
|
|
|
|
</body>
|
|
</html>
|