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