# Debt Recovery Platform — Full Architecture

## Overview

Debt Recovery Experts (DRE) operates at debtrecoveryexperts.com. Contractors/owner-operators submit unpaid debt claims via the portal. DRE reviews, notarizes an LPOA, serves the debtor via certified mail, collects via ACH, deducts a fee, and disburses the balance.

## Technology Stack

| Component | Service | Status |
|---|---|---|
| **Signing** | DocuSeal (self-hosted, sign.itpropartner.com) | ✅ Live |
| **Notarization** | Proof (formerly Notarize) — $25-35/session | 📋 Planned |
| **Certified mail** | LetterStream — $8.34/letter | 📋 Planned |
| **Payments** | Stripe ACH (0.8%, capped $5) or checks | 📋 Planned |
| **AI Analysis** | Claude Opus 4.7 (via admin-ai) — document scoring | 📋 Planned |
| **Portal** | Caddy reverse proxy on Core (152.53.192.33) | 🟡 Mockup done |

## Domain Plan

| Service | URL | DNS |
|---|---|---|
| **Signing** | sign.itpropartner.com | SiteGround A record → 152.53.192.33 (Caddy HTTPS) |
| **DRE website** | debtrecoveryexperts.com | Cloudflare Zone |
| **DRE portal** | portal.debtrecoveryexperts.com | Cloudflare A record → 152.53.192.33 |
| **WordPress** | debtrecoveryexperts.com | wphost02 (RunCloud) |

## Cost Per Claim

- Notarization (RON): ~$25-35
- Identity verification: ~$4
- Certified mail: ~$8.34
- ACH processing: ~$5 max
- **Total: ~$42-52 per claim** (passed to debtor)

## AI Claim Analysis Flow

1. Customer uploads documents (contracts, invoices, correspondence)
2. Portal sends docs to Claude Opus 4.7 for analysis
3. Model scores: documentation quality, debtor solvency, TX legal standing, amount reasonableness
4. Public case records (TX) are compared — similar case count, avg recovery rate, median time
5. Internal DRE dashboard shows results — **never visible to customers**

## Legal Documents (Drafts)

- Terms of Service: `/root/TERMS_OF_SERVICE_DRAFT.md` ⚠️ Needs TX attorney review
- Privacy Policy: `/root/PRIVACY_POLICY_DRAFT.md` ⚠️ Needs TX attorney review
- Internal Compliance Manual: `/root/DRE_Compliance_Manual.md` ⚠️ Needs TX attorney review

## Texas Law Key Findings (Jul 7, 2026 Research)

| Topic | Finding |
|---|---|
| License/Bond | Likely required for third-party debt collectors in TX |
| LPOA | Must be in writing, notarized, specifically enumerate debt collection powers |
| Fee caps | No statutory cap in TX — set own %, must disclose in writing |
| SOL (written contracts) | 4 years — reject claims past SOL |
| Service of process | Certified mail (restricted delivery) is valid per TRCP 106(a)(2) |
| FDCPA | Full compliance required: validation notice within 5 days, Mini-Miranda, cease comms |
| Data breach | Must notify within 60 days per TX Bus. & Com. Code § 521 |
| Debtor calling | Prior express consent for autodial; manual dial only; 3-call-per-7-day cap |
