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

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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 fields: your info (name, business, email, phone) → debtor info (business, contact, email, phone, address) → claim details (amount, description, state, debt type) → document upload
+- Terms of Service signed via DocuSeal
+- Turnstile bot protection (invisible mode, Cloudflare)
+- Claim auto-numbered and enters DRE queue
+
+#### Phase 2 — AI Review
+- AI Claim Analysis (Claude Opus 4.7) → score + weakness report
+- AI Debtor Research (ScrapingAnt + Sherlock + TX SoS) → skip tracing, asset scan, legal history
+- Team reviews → Approve / Request More Docs / Reject
+- Additional docs uploaded mid-process trigger AI re-analysis with score delta tracked
+
+#### 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+)
+- 4-step tier progress indicator on client dashboard (visual circles with labels, colored by completion)
+
+#### 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.
+
+### Audit Trail (Change Tracking)
+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. Edits allowed on open claims only. Closed claims are read-only. Audit trail included in the DRE Internal Binder on case close.
+
+Color coding in audit log:
+- DRE team changes: amber/gold
+- System changes: blue
+- Client actions: green
+
+### Document Upload During Recovery
+Clients can upload additional documents at any point during the active recovery process via their portal. Each upload can include a reason/context note. When new docs arrive, the AI automatically re-analyses the claim and updates the score. The re-analysis event is logged in both the timeline and the change history with the score delta (e.g. "Score: 78 → 82").
+
+### 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 with 4-step progress indicator
+- Past Cases: claim number, debtor, amount, outcome (Recovered / Uncollectible) with Download button
+- [Submit New Claim] button
+- [Download Case Binders] for closed cases
+- [Payment History] — all disbursements received
+
+### Approval Workflow
+When a DRE team member clicks "Approve & Continue", the partner (Tony) receives a notification to acknowledge. The case holds at approval step until both partners have signed off. The approval status indicator appears in the header nav amber badge.
+
+### Turnstile Anti-Bot
+Form uses Cloudflare Turnstile (invisible mode). Site key and secret key stored in `.env`. Privacy policy includes Turnstile Privacy Addendum reference.
+
+### Debtor Research Sources
+- LinkedIn (via ScrapingAnt headless Chrome)
+- Public property records
+- Texas Secretary of State business search (status, registered agent, officers, filing compliance)
+- Court records / legal history
+- Asset scans
+- Output: sources found, estimated revenue, assets, prior judgments, risk assessment
+
+### 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)