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

skills/debt-recovery-compliance/SKILL.md

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+---
+name: debt-recovery-compliance
+description: "Research, document, and operationalize Texas debt recovery compliance — regulations, internal policy manuals, Terms of Service, Privacy Policies, and operational procedures for a Limited Power-of-Attorney-based debt collection business. Covers the full recovery workflow including mechanic's lien escalation as Tier 2.5."
+version: 1.2.0
+author: ShoNuff
+tags: [debt-recovery, texas-law, compliance, fdcpa, legal-drafts, dre]
+---
+
+# Debt Recovery Compliance (Texas)
+
+Research and documentation framework for Debt Recovery Experts (DRE), a Texas-based debt recovery business operating under a Limited Power of Attorney (LPOA) model.
+
+## Legal Research Workflow
+
+When researching Texas debt recovery law, delegate to a subagent designated as "research expert" with these specific goals:
+
+1. **Texas Finance Code Chapter 392** (Debt Collection Act) — third-party collector requirements, bond/registration, penalties
+2. **Texas Property Code Chapter 53** (Mechanic's & Materialman's Liens) — who can file, deadlines, pre-lien notices, homestead restrictions, enforcement (see references/mechanics-lien.md)
+3. **Texas Government Code Chapter 2253** (McGarr Act) — public works payment bonds: 90-day notice, 1-year suit deadline, bond claim vs. lien
+4. **Limited Power of Attorney** — TX Estates Code § 751.0021, writing/notarization requirements, specific language; must exclude direct lien filing authority
+5. **Fee structures** — Texas has no statutory cap on contingency fees, but must be disclosed in writing
+6. **Statute of Limitations** — 4 years for written contracts, promissory notes, open accounts; 2 years for tort claims
+7. **Service of Process** — Certified mail (restricted delivery) valid under TRCP 106(a)(2); personal service required if mail fails
+8. **FDCPA** — Full 15 USC § 1692 compliance including validation notice within 5 days, Mini-Miranda, cease communication protocols
+9. **TCPA** — Prior express consent for autodialed calls to cell phones; manual dialing only; 3-call-per-7-day cap
+10. **Data Privacy** — TX Bus. & Com. Code § 521 breach notification within 60 days; AG notice if 250+ affected; GLBA Safeguards
+11. **FCRA — Credit Bureau Reporting** — 15 U.S.C. § 1681s-2 furnisher duties, pre-reporting contact (FDCPA + CFPB Rule), § 1681s-2(b) private right of action, B2B vs consumer distinction, Texas Ch. 392 § 392.202 dispute overlay (see references/credit-bureau-reporting.md)
+
+## Research Issues (Texas Legislature)
+
+The Texas Legislature website (capitol.texas.gov) is a JavaScript SPA that blocks curl/scraping. Use:
+- **ScrapingAnt** with `browser=true` for JS-heavy government sites
+- **Cornell LII** (law.cornell.edu) for federal statute plain-text access
+- **Justia** (justia.com) for Texas-specific case law
+- All drafts must be flagged: **⚠️ DRAFT — Requires Texas Attorney Review**
+
+## ⚠️ Critical Lien Research Pitfalls
+
+| Pitfall | Why It Matters |
+|---------|---------------|
+| **Texas deadlines are the strictest in the US** | Subcontractors: 15th day of 3rd month after completion. GCs: 15th day of 4th month. One day late = lien void. Always compute from the month of completion, not the date. |
+| **Pre-lien notice is mandatory** | Subs must send notice within 15 days of first furnishing (commercial) or by 15th of 2nd month (residential). Missing it caps lien to retainage or voids it entirely. |
+| **DRE cannot file liens directly** | Filing a lien affidavit is UPL (Unauthorized Practice of Law) and triggers FDCPA liability. DRE may send pre-lien notices (factual, template-based) but must refer actual filings to a licensed Texas construction attorney. |
+| **Homestead protections are strong** | Lien requires written contract signed by both spouses before work begins. Even then, 3-year redemption period makes foreclosure costly. Avoid for claims under $25K. |
+| **No lien on public projects** | Use bond claims under McGarr Act (90-day notice, 1-year suit deadline) instead. |
+| **Wrongful lien damages** | TX Prop. Code § 53.152 — filing without reasonable basis = actual damages + attorney's fees + up to $10K exemplary. Always have attorney validate before recording. |
+
+## ⚠️ Critical FCRA / Credit Bureau Reporting Pitfalls
+
+| Pitfall | Why It Matters |
+|---------|---------------|
+| **Pre-reporting contact is mandatory for consumer debts** | FDCPA + CFPB Rule requires contact (phone, letter, in-person, or electronic) BEFORE reporting. Validation notice satisfies this. Reporting without contact = FDCPA violation. |
+| **30-day dispute window blocks reporting** | If consumer disputes in writing within 30 days of validation notice, DRE cannot report until debt is verified and sent to consumer. CFPB interprets "cease collection" to include credit bureau reporting. |
+| **§ 1681s-2(b) private right of action** | Consumers CAN sue DRE for failing to properly investigate a CRA-notified dispute. § 1681s-2(a) (direct furnisher errors) is gov't enforcement only — but § 1681s-2(b) is NOT. Actual + statutory ($100–$1,000) + punitive + attorney's fees. |
+| **Corporations have no consumer credit file** | Reporting a purely corporate B2B debt to Equifax/Experian/TransUnion is impossible — those bureaus only maintain individual credit files. Use D&B Global Trade Exchange instead. |
+| **Texas § 392.202 dispute is stricter than FCRA** | 30-day response, 5-business-day correction, provisional correction if more time needed, cease collection during dispute — and violation is a criminal misdemeanor ($100–$500) + DTPA treble damages. |
+| **Personal guarantee must be in writing** | Without a signed, written personal guarantee, DRE has no permissible purpose to report against an individual for a B2B debt. Oral guarantees are insufficient under FCRA. |
+| **B2B debt + consumer PII = dangerous mix** | If DRE reports a B2B debt to a consumer CRA using the individual's name/SSN, this can trigger FCRA liability if there's no personal guarantee on file. |
+
+## Credit Bureau Reporting Research (Jul 8, 2026)
+
+Full analysis at `references/credit-bureau-reporting.md` (quick reference) and `/root/.hermes/references/dre-credit-reporting.md` (25.7KB, 10 sections).
+
+**Strategic recommendation:** Include personal guarantee language in all future DRE client contracts. This unlocks consumer bureau reporting as a leverage tool on B2B debts. For purely corporate debts without guarantees, use D&B Global Trade Exchange.
+
+## Deliverables
+
+### Internal Policy/Procedure Manual
+Located at `/root/DRE_Compliance_Manual.md` — 23 sections covering:
+- Claim intake and verification
+- Document handling and retention
+- Communication protocols with debtors
+- Escalation and dispute procedures
+- Attorney/paralegal review triggers
+- Fee calculation and disclosure
+- Disbursement procedures
+- Data retention schedules (7 years financial, 5 years claims)
+- **Section 22 — Mechanic's Lien & Bond Claims (Tier 2.5)** — pre-lien notice workflow, attorney referral, lien filing through outside counsel, bond claim procedures, risk management
+
+### Terms of Service
+Located at `/root/TERMS_OF_SERVICE_DRAFT.md` — 17 sections:
+- Business model: claim submission → LPOA via RON → collection → fee deduction → disbursement
+- Binding arbitration (AAA, Travis County, TX)
+- Liability cap at lesser of fees paid or $500
+- Indemnification in DRE's favor
+- FDCPA / Texas Finance Code compliance
+- Service of process via certified mail
+
+### Privacy Policy
+Located at `/root/PRIVACY_POLICY_DRAFT.md` — 15 sections:
+- Data categories: account, claim/financial, communications, notarization, cookies
+- Third-party sharing table with provider types and data shared
+- Security measures (TLS, AES-256, MFA)
+- User rights (access, correction, deletion)
+- Texas Data Privacy and Security Act compliance
+
+## Recommendation on Legal Review
+
+Every draft document MUST carry:
+1. A bold **DRAFT — FOR LEGAL REVIEW ONLY** disclaimer at top and bottom
+2. A review checklist item for the attorney (arbitration enforceability, FDCPA carve-outs, TX Data Privacy Act interpretation, retention under debt collection law)
+3. The business model (LPOA-based collection) should be explicitly reviewed for whether it qualifies as "debt collection" under Texas law
+
+## Research Documents Created (Jul 7, 2026)
+
+| File | Type | Purpose |
+|---|---|---|
+| `/root/DRE_Compliance_Manual.md` | Internal policy | 23-section operations manual (v1.1 — includes §22 Mechanic's Lien & Tier 2.5) |
+| `/root/TERMS_OF_SERVICE_DRAFT.md` | Legal draft | Client-facing ToS |
+| `/root/PRIVACY_POLICY_DRAFT.md` | Legal draft | Client-facing privacy policy |
+| `/root/data-broker-removal-action-plan.md` | Action plan | Personal data removal from 50+ people-search sites |
+| `/root/web-scraping-api-comparison.md` | Research | Web scraping API comparison (ScrapingAnt, Tavily, etc.) |
+| `/root/api-research-report.md` | Research | RON + certified mail API research |
+| `/root/documenso-vs-docuseal-comparison.md` | Research | Digital signature platform comparison |
+| `/root/Texas_Mechanics_Lien_Research_Report.md` | Research | 18-section mechanic's lien report: TX Property Code Ch. 53, deadlines, notice requirements, homestead rules, FDCPA/UPL, Tier 2.5 workflow, cost-benefit analysis |
+| `/root/.hermes/references/dre-credit-reporting.md` | Research | 10-section FCRA + Texas credit bureau reporting analysis: B2B vs consumer, furnisher duties, Ch. 392 overlay, business bureaus, liability risks, practical recommendations |

skills/debt-recovery-compliance/references/credit-bureau-reporting.md

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+# Credit Bureau Reporting for DRE — Quick Reference
+
+## Authority: FCRA (15 U.S.C. §§ 1681–1681x) + Texas Fin. Code Ch. 392
+
+## Can DRE Report to Consumer Credit Bureaus?
+
+| Debt Type | Report to Equifax/Experian/TransUnion? | Rules |
+|-----------|---------------------------------------|-------|
+| **Consumer debt** (individual, personal/family/household) | ✅ Yes | FCRA furnisher duties + FDCPA pre-reporting contact + TX Ch. 392 |
+| **Corporate B2B debt** | ❌ No | "Consumer" = individual (§ 1681a(c)); no consumer file for business entities |
+| **Sole proprietor debt** | ✅ Yes | Individual = consumer. Report against individual's personal file |
+| **Personal guarantor** | ✅ Yes | FTC Tatelbaum (2001): personal guarantor = consumer with permissible purpose |
+| **B2B + personal guarantee** | ✅ Yes on guarantor, ❌ on entity | Report against guarantor individually; use business bureaus for the entity |
+
+## FCRA Furnisher Duties (§ 1681s-2)
+
+### § 1681s-2(a) — Duty of Accuracy (Gov't enforcement only — NO private right of action)
+- Don't furnish info you know or have reason to believe is inaccurate
+- Upon consumer's written notice of error, stop furnishing until confirmation
+- Notify CRAs of corrections
+- Note dispute status during investigation
+
+### § 1681s-2(b) — Duty to Investigate (Private right of action EXISTS)
+Triggered when a CRA notifies DRE of a consumer dispute:
+1. Investigate within **30 days** (45 if free annual report dispute)
+2. Review all relevant info from CRA
+3. Report results to CRA
+4. If inaccurate → correct with ALL nationwide CRAs
+5. Don't re-report inaccurate info
+
+**Liability:** Actual damages, statutory ($100–$1,000), punitive, attorney's fees.
+
+## Pre-Reporting Steps (FDCPA + CFPB Debt Collection Rule)
+
+Before reporting a consumer debt to a CRA, DRE must:
+1. **Contact the consumer** — in person, by phone, mail (~14 day wait), or electronic (~14 day wait)
+2. **Send validation notice** — amount, creditor, 30-day dispute right. Sending this satisfies the contact requirement
+3. **Wait through the 30-day dispute window** — if consumer disputes in writing within 30 days of validation notice, DRE cannot report until obtaining verification
+
+## Texas Finance Code Requirements
+
+### Scope: Consumer Debts Only
+- § 392.001: "Consumer" = individual with consumer debt; "consumer debt" = primarily personal/family/household
+- **Not applicable to B2B debts** (corporate debtors)
+
+### § 392.101 — Surety Bond
+- $10,000 bond on file with Texas SOS **before** engaging in debt collection
+- Verify at: https://texas-sos.appianportalsgov.com/tpdc-public-search-portal
+
+### § 392.202 — Dispute & Correction
+When an individual disputes an item in DRE's files:
+
+| Trigger | DRE's Obligation |
+|---------|-----------------|
+| Dispute received, DRE does NOT report to CRA | Cease collection until investigation done |
+| Dispute received, DRE DOES report to CRA | Investigate + cease collection until investigation done |
+
+**Response deadline:** Within 30 days → deny, admit, or request more time
+**If more time needed:** Provisionally correct the file + send corrected reports + cease collection
+**If admitting inaccuracy:** Correct within 5 business days + cease collection + notify prior recipients
+
+### Penalties
+| Violation | Penalty |
+|-----------|---------|
+| Ch. 392 violation | Misdemeanor ($100–$500); actual damages + $100 minimum per viol. + attorney's fees |
+| Ch. 392 violation = DTPA violation | Treble damages available under TX Bus. & Com. Code § 17 |
+| No surety bond | Criminal offense (§ 392.402) + bond claim from consumer |
+
+## Business Credit Bureaus (for B2B debts)
+
+| Bureau | Key Product | How to Submit |
+|--------|------------|--------------|
+| **Dun & Bradstreet** | PAYDEX® Score (1–100) | Global Trade Exchange — free to join, requires D-U-N-S Number |
+| **Experian Business** | Intelliscore Plus (1–100) | Data Furnisher Agreement |
+| **Equifax Business** | Business Credit Risk Score | Data Furnisher Agreement |
+
+**Benefits:** No FCRA/FDCPA restrictions, no 7-year limit, industry standard for B2B.
+
+## Key Risk Areas
+
+1. **Pre-reporting contact failure** — FDCPA violation (consumer debts only)
+2. **Reporting before dispute resolved** — FDCPA "cease collection" includes credit reporting (CFPB interpretation)
+3. **Inaccurate data without investigation** — FCRA § 1681s-2(b) private right of action
+4. **Dispute investigation timeout** — 30 days from CRA notice; failure to investigate = lawsuit
+5. **Texas Ch. 392 mismatch** — must follow both FCRA AND Texas parallel procedures. Texas has shorter timelines for correction (5 business days vs. 30 days under FCRA)
+6. **Personal guarantee not documented** — no written guarantee = no permissible purpose to report against individual
+7. **B2B debt reported to consumer CRA** — violates CRA contract + possible FCRA claim if individual's PII is attached without basis
+
+## Citations
+
+- 15 U.S.C. § 1681a(c) — "consumer" defined as individual
+- 15 U.S.C. § 1681a(d) — "consumer report" defined
+- 15 U.S.C. § 1681s-2 — Furnisher responsibilities
+- 15 U.S.C. § 1692g — FDCPA validation notice
+- 12 CFR Part 1006 — CFPB Debt Collection Rule
+- Tex. Fin. Code § 392.001 — Definitions
+- Tex. Fin. Code § 392.101 — Surety bond
+- Tex. Fin. Code § 392.202 — File correction
+- Tex. Fin. Code § 392.403 — Civil remedies
+- Tex. Fin. Code § 392.404 — DTPA remedy
+- FTC Advisory Opinion to Tatelbaum (2001) — Personal guarantor = permissible purpose
+
+**Full report:** `/root/.hermes/references/dre-credit-reporting.md` (25.7KB, 10 sections)

skills/debt-recovery-compliance/references/dre-portal-specs.md

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+# DRE Portal Technical Specifications
+
+## Claim Numbering & Client IDs
+
+| Type | Format | Example |
+|---|---|---|
+| Claim number | `DRE-YYYY-NNNN` | DRE-2026-0001 |
+| Client ID | `CLT-YYYY-NNNN` | CLT-2026-0001 |
+
+Both auto-generated on claim submission / account creation.
+
+## Closed Case Binders
+
+On case close, two PDF binders are auto-generated:
+
+**Binder 1 — DRE Internal:** `DRE-YYYY-NNNN_CLOSED_DRE.pdf`
+- Intake, evidence, AI claim 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`
+- 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
+
+On case close, PDF text is extracted and stored in the database for full-text search. Future: Paperless-ngx if volume exceeds 500+ cases.
+
+## Full 5-Phase Workflow
+
+### Phase 1 — Intake
+- Client submits claim at debtrecoveryexperts.com
+- Form order: Your Info → Debtor Info → Claim Details → Documents
+- reCAPTCHA verification before submit
+- Terms of Service signed via DocuSeal
+- Auto-generated claim number assigned
+- Claim enters DRE queue
+
+### Phase 2 — AI Review
+- AI Claim Analysis (Claude Opus 4.7) → score + weakness report
+- AI Debtor Research (ScrapingAnt + Sherlock) → skip tracing, LinkedIn, property records
+- Texas Secretary of State business search (if debtor is a registered TX business) — scraped via ScrapingAnt
+- Team reviews in DRE dashboard → 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 on client's behalf
+
+### Phase 4 — Tiered Recovery
+
+| Tier | Action | Timeline | DRE-led? |
+|---|---|---|---|
+| 1 | Soft Touch — email + ACH link | Day 1-5 | ✅ Yes |
+| 2 | Formal Demand — certified mail via LetterStream | Day 7-14 | ✅ Yes |
+| 2.5 | Lien Threat — pre-lien notice (construction claims) | Day 15-21 | ⚠️ Notice only; filing needs attorney |
+| 3 | Escalation — final notice | Day 21-30 | ✅ Yes |
+| 4 | Legal Action — referral to partner law firm | Day 30+ | ❌ Referral |
+
+### 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 auto-generated
+
+## Fee Structure
+
+| Tier | DRE Fee | Client Gets |
+|---|---|---|
+| 1 — Soft Touch | 20-25% | 75-80% |
+| 2 — Formal Demand | 30% | 70% |
+| 2.5 — Lien Threat | 30% (+ attorney if filed) | 70% |
+| 3 — Escalation | 33% | 67% |
+| 4 — Legal Action | 10% DRE + 25% law firm | 65% |
+
+Example for $15,000 claim:
+- Tier 1: DRE $3,300 (22%) · Client $11,700
+- Tier 2: DRE $4,500 (30%) · Client $10,500
+- Tier 3: DRE $4,950 (33%) · Client $10,050
+- Tier 4: DRE $1,500 + Firm $3,750 · Client $9,750
+
+## Repeat Clients
+
+- Account-based system with login
+- ToS signed once, pre-filled info on new claims
+- Dashboard: active cases (with tier progress indicator), past cases with outcomes, payment history
+- Client can download their own case binders
+- Optional loyalty pricing after 3+ claims
+
+## Client Portal — Tier Progress Indicator
+
+Visual 4-step progress bar in the active claim card:
+- Each tier: numbered circle (green=complete, blue=current, gray=pending)
+- Connecting lines between circles
+- Label centered under each circle
+- Text summary below: "✓ Tier 1 complete · Tier 2 in progress · Tier 3 pending · Tier 4 pending"
+
+## Required Services (not yet configured)
+
+| Service | Purpose | Status |
+|---|---|---|
+| Proof.com | Online notarization (LPOA) | ❌ Need account |
+| LetterStream | Certified mail to debtor | ❌ Need account |
+| Stripe Connect | ACH payments + disbursement | ❌ Need keys |
+| Partner law firm | Litigation (Tier 4) | ❌ Need referral agreement |
+| Google reCAPTCHA | Anti-spam on intake form | ❌ Need site key |
+
+## Texas Secretary of State Integration
+
+For debtor businesses registered in Texas, the AI Debtor Research step should scrape the TX SoS business search to retrieve:
+- Business status (active/forfeited/dissolved)
+- Registered agent name and address
+- Filing date
+- Annual report compliance status
+- Officers/directors
+
+This is an additional skip tracing layer that informs the debtor profile score.

skills/debt-recovery-compliance/references/mechanics-lien.md

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+# Texas Mechanic's Lien — Quick Reference
+
+## Authority: Texas Property Code Chapter 53
+
+## Who Can File
+- **Original Contractor (GC):** Direct contract with owner — no pre-lien notice required
+- **Subcontractor:** Hired by GC — must send pre-lien notice within 15 days
+- **Material Supplier:** Must send notice if not under direct contract with owner
+- **Laborer:** Eligible with simplified notice
+- **Design Professional:** Architect/engineer — written notice required if not under direct contract
+
+## Who CANNOT File
+- Unlicensed contractors (Texas Occupations Code Ch. 1301/1305/1306)
+- Remote suppliers (suppliers to suppliers — too far from the project)
+- Finance-only parties (lenders, banks with no construction involvement)
+
+## Critical Deadlines
+| Role | File Lien By | Statute |
+|------|-------------|---------|
+| **GC** | 15th day of 4th month after month of completion | § 53.052 |
+| **Sub/Supplier** | 15th day of 3rd month after month of completion | § 53.052 |
+| **Foreclosure suit** | Within 1 year of last day to file | § 53.158 |
+
+All deadlines count from MONTH of project completion, not day. Example: completion in March → GC deadline is July 15.
+
+## Pre-Lien Notices
+| Scenario | Deadline | Consequence if Missed |
+|----------|----------|----------------------|
+| Sub notice to owner (commercial) | Within 15 days of first furnishing | Lien limited to retainage |
+| Sub monthly notice (residential) | By 15th of 2nd month after work month | Complete loss of lien rights |
+| Notice of filed affidavit | Within 5 days of filing | Lien invalid against owner |
+| Homestead written contract | Before work, signed by both spouses | Lien void |
+
+## Homestead
+- Art. XVI § 50 of Texas Constitution
+- Written contract required, signed by both spouses
+- Lien must state: "This is a lien on homestead"
+- 3-year redemption period after foreclosure sale
+- Avoid for claims under $25K
+
+## No Lien on Public Projects
+Use bond claims instead:
+- **McGarr Act** (TX Gov't Code Ch. 2253): 90-day notice, 1-year suit
+- **Miller Act** (40 USC §§ 3131–3134): federal projects
+
+## FDCPA / DRE Restrictions
+- **DRE cannot file liens directly** — UPL + FDCPA violation
+- DRE can send pre-lien notices (factual, template-based, with Mini-Miranda)
+- Actual lien filing requires licensed Texas construction attorney
+- Wrongful lien damages: TX Prop. Code § 53.152 — actual + fees + up to $10K exemplary
+
+## Tier 2.5 Workflow (DRE Recovery Progression)
+1. **Phase A (DRE-led):** Pre-lien notice via certified mail to owner + GC + lender
+2. **Phase B (Attorney-led):** Refer to construction attorney for lien affidavit filing
+3. **Phase C (Monitor):** If no payment, escalate to foreclosure if claim ≥ $10K
+
+## Minimum Thresholds
+- Pre-lien notice: **$1,000**
+- Lien filing: **$2,500**
+- Foreclosure: **$10,000**
+
+## Key Cases
+| Case | Holding |
+|------|---------|
+| *First Nat'l Bank v. Whirlpool Corp.*, 517 S.W.2d 262 | Relation-back: lien priority dates to visible commencement of work |
+| *McCollough v. Johnson, Rodenburg & Lauinger*, 637 F.3d 939 | FDCPA applies to time-barred debt threats |
+| *H&M Steel, LLC v. HRR Asset Mgmt*, 2015 | Strict enforcement of lien deadlines |
+
+**Full report:** `/root/Texas_Mechanics_Lien_Research_Report.md`
+**Compliance manual section:** `DRE_Compliance_Manual.md` § 22 — Mechanic's Lien & Bond Claims (Tier 2.5)