# DRE Letter Templates — 8-Tier Workflow

## AUTOMATED (Items 1-3) — sent from dre@ automatically based on claim status

### 1. Initial Onboarding — "We've Received Your Claim"
### 2. Under Review — "Your claim is being reviewed"
### 3. Accepted + LPOA — Includes LPOA attachment link + notarization instructions

Each contains: Claim ID, debtor name, amount, payment link (pay.debtrecoveryexperts.com), next steps.

## QUEUED (Items 4-8) — require authoring + dual approval

Anita authors/edits → submitted for approval → Tony + Germaine both approve → sent from collections@

### 4. Soft Touch (Tier 1) — Friendly reminder email
### 5. Formal Demand (Tier 2) — 14-day demand with escalation warnings
### 6. Lien Threat (Tier 2.5) — Texas mechanic's lien notice, 10-day cure
### 7. Escalation (Tier 3) — Final notice before legal action
### 8. Legal Action (Tier 4) — Lawsuit referral notice

All queued letters include FDCPA disclosure: "This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose."

### Payment Link Requirement

Every letter template and mock letter **must** include this line immediately before the FDCPA disclosure:

```
Payment can be made at: https://pay.debtrecoveryexperts.com
```

See `references/letter-queue-payment-links.md` for the full pattern including the Anita notification bar that fires on new draft creation.

Full templates at /root/.hermes/references/dre-letter-templates.md

## Stage-to-Template Mapping for "+ New Letter" Modal

Client stage → available templates:
- soft-touch → formal-demand
- formal-demand → lien-threat, escalation
- lien-threat → escalation, legal-action
- escalation → legal-action
- legal-action → (none — handled by counsel)
