Initial resurrection kit — 81 scripts, 62 references, configs, systemd units, crons, Docker compose files, Caddy config, master README

references/dre-specs.md

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+# DRE Portal — Technical Specifications
+## Internal working document — July 2026
+
+### Claim Numbering
+- Format: `DRE-YYYY-NNNN` (e.g. DRE-2026-0001)
+- Auto-generated on claim submission
+
+### Client ID
+- Format: `CLT-YYYY-NNNN` (e.g. CLT-2026-0001)
+- Generated on account creation
+
+### Closed Case Binders
+On case close, two PDF binders are auto-generated:
+
+**Binder 1 — DRE Internal:**
+  DRE-YYYY-NNNN_CLOSED_DRE.pdf
+  Includes: intake, evidence, AI analysis, AI debtor research, AI weakness analysis,
+  internal notes, signed/notarized LPOA, certified mail receipts, communication log,
+  settlement, fee disclosure, payment confirmation
+
+**Binder 2 — Client Package:**
+  DRE-YYYY-NNNN_CLOSED_Client.pdf
+  Includes: claim summary, signed/notarized LPOA, settlement/payment confirmation,
+  fee statement. EXCLUDES: AI analysis, debtor research, internal notes.
+
+**Evidence Archive:**
+  DRE-YYYY-NNNN_evidence.zip — original uploaded documents
+
+### Full Workflow
+
+#### Phase 1 — Intake
+- Client submits claim at debtrecoveryexperts.com
+- Intake form: debtor info, amount, description
+- Document upload (contracts, invoices, correspondence)
+- Terms of Service signed via DocuSeal
+- Claim enters DRE queue
+
+#### Phase 2 — AI Review
+- **AI analysis is per claim, not per client.** Each claim gets its own independent:
+  - Claim analysis score (0-100)
+  - Debtor research / skip tracing
+  - Weakness assessment
+- If a repeat client submits a new claim against a different debtor, it gets fresh analysis independent of previous claims
+- AI Re-analysis on new document upload is scoped to that specific claim only
+- Team reviews → Approve / Request More Docs / Reject
+
+#### Phase 3 — Legal Setup
+- LPOA sent to client via DocuSeal
+- Client signs → notarized via Proof (online RON)
+- DRE now authorized to collect
+
+#### Phase 4 — Tiered Recovery
+- Tier 1: Soft Touch — email + ACH link (Day 1-5)
+- Tier 2: Formal Demand — certified mail via LetterStream (Day 7-14)
+- Tier 2.5: Lien Threat — pre-lien notice for construction claims (Day 15-21)
+- Tier 3: Escalation — final notice (Day 21-30)
+- Tier 4: Legal Action — referral to partner law firm (Day 30+)
+
+#### Phase 5 — Settlement
+- Payment collected via Stripe ACH
+- DRE fee deducted per tier schedule
+- Costs deducted (notary, certified mail, filing fees)
+- Balance disbursed to client
+- Case closed → two binders generated
+
+### Fee Structure (proposed)
+- Tier 1: 20-25%
+- Tier 2: 30%
+- Tier 2.5: 30% (+ attorney if lien filed)
+- Tier 3: 33%
+- Tier 4: 10% DRE referral + 25% law firm
+
+### Search & Document Retrieval
+Cases are searchable in the portal via database fields:
+- Claim number, client name, debtor name, amount, status, date range
+- Tags (e.g. "construction", "lien filed", "litigated", "debtor paid Tier 2")
+- Key flags from AI analysis
+
+On case close, PDF text is extracted and stored in the database for full-text search.
+Future: Paperless-ngx if volume exceeds 500+ cases.
+
+### Approval Workflow
+- **Approvers:** Germaine + Tony — both must sign off before case moves forward
+- **Anita:** Read-only access — can view pending approvals but cannot approve
+- **Reminders:** Every 60 minutes, pending approval notification sent to both approvers
+- Approval status visible in claim header: "Pending Germaine · Pending Tony · Acknowledged ✓"
+Any edit to a claim submission is tracked with a full history:
+- What field was changed (old value → new value)
+- Who made the change (user name or "system" for automated updates)
+- When the change was made (timestamp)
+- Why the change was made (optional note field)
+
+The audit log is visible in the DRE internal dashboard under each claim:
+```
+DRE-2026-0042 — Change History
+Jul 8, 2026 10:15 AM  |  John (DRE)  |  Amount: $12,000 → $12,450  |  "Corrected from invoice"
+Jul 7, 2026 02:30 PM  |  System      |  Status: Submitted → AI Review  |  Auto
+Jul 7, 2026 02:28 PM  |  Robert Smith |  Initial submission               |
+```
+
+Edits are allowed on open claims. Closed claims are read-only.
+The audit trail is included in the DRE Internal Binder on case close.
+
+### Repeat Clients
+Clients create an account on first claim. On return:
+- ToS already on file (signed once)
+- Client info pre-filled on new claims
+- Dashboard shows: active cases, past cases with outcomes, payment history
+- Can download their own case binders
+- Optional loyalty pricing after 3+ claims (e.g. 25% vs 30%)
+
+### Client Portal View (after login)
+- Active Cases: claim number, debtor, amount, current tier
+- Past Cases: claim number, debtor, amount, outcome (Recovered / Uncollectible)
+- [Submit New Claim] button
+- [Download Case Binders] for closed cases
+- [Payment History] — all disbursements received
+
+### Required Services
+- DocuSeal: ✅ deployed at sign.itpropartner.com
+- Proof.com: ❌ need account (online notarization)
+- LetterStream: ❌ need account (certified mail)
+- Stripe Connect: ❌ need keys (ACH payments)
+- Law firm partner: ❌ need referral agreement (litigation)
+
+### Email Configuration
+- **email@redacted** — Client-facing. Display name: "Debt Recovery Experts". Used for DocuSeal signing requests, claim status updates, fee receipts, portal login links.
+- **email@redacted** — Debtor-facing. Display name: "Debt Recovery Experts". Used for demand letters, ACH payment links, collection correspondence.
+- **email@redacted** — General business inquiries.
+- All mailboxes hosted on MXroute (heracles.mxrouting.net). Outgoing email relayed through mail.germainebrown.com:2525 (MXroute SMTP blocks our IP).
+
+### AI Chatbot — Knowledge Base
+The DRE chatbot runs on Llama 3.2 3B (local, Ollama on Core) with a structured FAQ knowledge base built once by a smart model (Claude Opus 4.7).
+
+**Chatbot Personality:**
+- **Empathetic** — Acknowledge the frustration of an unpaid debt. "I understand how stressful unpaid invoices can be."
+- **Kind but firm** — Supportive without being a pushover. Never apologetic for DRE's process or fees.
+- **Engaging** — Ask leading questions to qualify and move the conversation forward. "How long has this been outstanding?"
+- **No promises** — Never guarantee a specific outcome, timeline, or recovery amount. Use "typically," "most claims," "can be."
+- **Escalate when stuck** — If the visitor asks something outside the bot's scope, invite them to submit a claim or contact the team.
+
+**Tone examples:**
+| Do | Don't |
+|---|---|
+| "I understand — unpaid invoices create real pressure." | "Sorry about that." |
+| "Most claims at your level resolve within 30 days." | "We'll get your money back in 30 days." |
+| "Our process typically recovers 70%+ of claims." | "You'll definitely get paid." |
+| "Ready to get started? We can review your case." | "You should definitely use us." |
+
+**PUBLIC knowledge (chatbot can answer):**
+- Fee structure & tier percentages
+- Required documents for a claim
+- Recovery timelines per tier
+- Texas construction lien overview (general)
+- LPOA process (what it is, how to sign)
+- Payment/ACH processing info
+- How to submit a claim
+- Contact/support info
+- Link to Fee Calculator
+- Link to Terms of Service & Privacy Policy
+
+**PRIVATE knowledge (NEVER in chatbot):**
+- AI claim scoring methodology
+- Debtor research / skip tracing techniques
+- Internal weakness analysis criteria
+- Approval workflow and review criteria
+- Specific claim details or case data
+- Partner law firm names or referral terms
+- Internal fee negotiation limits
+- FDCPA/TDCA compliance strategy
+- Any internal team notes or communications
+
+### Future Automation (N8n on Monitor Server)
+**AI Web Scraper Agent** — https://n8n.io/workflows/2006-ai-agent-that-can-scrape-webpages/
+- 4.6/5 rating, free workflow template
+- ReAct AI agent that scrapes web pages for skip tracing
+- **Use cases:** Texas SOS lookups, county court records, debtor asset searches
+- **When:** Remind Germaine about this when building DRE portal — can offload debtor research to n8n workflows