Initial skills documentation — 25 categories, all SKILL.md + references + scripts

2026-07-15 17:42:20 -04:00
commit 1b4fcd4427
976 changed files with 188344 additions and 0 deletions
@@ -0,0 +1,96 @@
+---
+name: debt-recovery-platform
+description: "Blueprint for the Debt Recovery Experts (DRE) portal — intake, notarization, certified mail, AI claim scoring, legal review, and payment disbursement workflow."
+version: 1.0.0
+author: Hermes Agent
+license: MIT
+platforms: [web]
+tags: [debt-recovery, portal, docusign, notary, certified-mail, stripe-connect]
+---
+
+# Debt Recovery Platform
+
+The DRE platform is a standalone debt recovery portal for contractors/owner-operators to submit unpaid debt claims. The workflow is designed to be zero-touch from the DRE team's side, with full visibility at every step.
+
+## Full Workflow
+
+```
+Contractor signs up & uploads docs
+        ↓
+AI claim analysis (internal score + case comparison)
+        ↓
+Legal review (paralegal/attorney) → "Viable in Texas?"
+        ↓
+LPOA sent to customer → Notarized online via Proof (RON)
+        ↓
+Debtor served → Certified letter via LetterStream
+        ↓
+Debt collected via ACH → Stripe Connect holds funds
+        ↓
+DRE fee deducted → Balance paid to contractor
+        ↓
+Customer tracks everything in portal
+```
+
+## Key Integrations
+
+### Online Notary — Proof (formerly Notarize)
+- **Cost:** $25/notarization (in-house) or $10-25 (on-demand network)
+- **API:** REST with webhooks (Premium tier required)
+- **Texas compliant:** ✅ HB 3496 & SB 1624
+- **Flow:** Customer initiates notary session from within portal → signs LPOA → notarized in same session
+
+### Certified Mail — LetterStream
+- **Cost:** ~$8.34 per certified letter
+- **API:** REST, no monthly minimums
+- **Delivery:** They print, fold, stuff, and mail via USPS
+- **Proof:** Return receipt / certificate of mailing
+
+### Payments — ACH (preferred) via Stripe Connect
+- **Stripe ACH:** 0.8% capped at $5 (vs 2.9% + $0.30 for cards)
+- **Flow:** Debtor pays via ACH → Stripe holds → DRE deducts fee → disburses to customer
+- **Pass-through fees:** Processing costs can be included in what the debtor pays
+
+### Digital Signatures — DocuSeal (self-hosted recommendation)
+- **Why:** Lightweight (227 MB Docker image), SQLite (no PostgreSQL), free embedding SDKs
+- **Covers:** Service agreements, disbursement authorizations, internal approvals
+- **Not for:** LPOA (that requires RON with Proof)
+
+## AI Claim Analysis
+
+A high-end vision+reasoning model (Claude Opus 4.7 or GPT-4o) scores each claim internally:
+
+| Factor | What it evaluates |
+|---|---|
+| Documentation quality | Completeness of contract, invoice, correspondence |
+| Debtor profile | Company type, solvency indicators, responsiveness |
+| Legal standing (TX) | Is the contract valid? Proper jurisdiction? Statute of limitations? |
+| Amount reasonableness | Does the claim amount match the scope of work? |
+
+**Case comparison:** The AI also searches public civil case records for similar disputes — average recovery rate, median resolution time, and how the new claim compares.
+
+The analysis is visible ONLY to the DRE internal team (not the customer).
+
+## Per-Claim Cost Estimate
+
+| Item | Cost |
+|---|---|
+| Notarization (LPOA) | ~$25-35 |
+| Identity verification | ~$4 |
+| Certified mail (debtor) | ~$8.34 |
+| ACH processing | ~$5 max |
+| **Total per claim** | **~$42-52** |
+
+These costs are passed to the debtor as part of the recovery, not borne by DRE.
+
+## Portal Pages
+
+See `/root/portal-mockup/debt-recovery.html` (customer intake) and `/root/portal-mockup/dre-dashboard.html` (internal dashboard with AI analysis).
+
+## Status: Planning Phase
+
+Integrations identified but not yet deployed:
+- Proof (RON) — needs account setup
+- LetterStream — needs account setup  
+- Stripe Connect — needs account setup
+- DocuSeal — can deploy on Core Docker immediately