Initial skills documentation — 25 categories, all SKILL.md + references + scripts
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# Debt Recovery Platform Architecture
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The Debt Recovery Experts (DRE) platform at debtrecoveryexperts.com. Contractors/owner-operators submit unpaid debt claims, DRE reviews, collects, and disburses minus a fee.
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## Tech Stack (planned)
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| Component | Technology | Status |
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|-----------|-----------|--------|
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| Marketing site | WordPress (existing) | Live |
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| Customer portal | Custom at portal.debtrecoveryexperts.com | Mockup done |
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| Internal dashboard | Dark-themed (app.itpropartner.com/dre-dashboard.html) | Mockup done |
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| Client dashboard | Light-themed (app.itpropartner.com/dre-client-dashboard.html) | Mockup done |
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| Claim intake form | Split-screen ScrapingAnt-inspired (debt-recovery.html) | Mockup done |
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| Case aging | (app.itpropartner.com/dre-case-aging.html) | Mockup done |
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| Debtor payment page | Minimal single-card (app.itpropartner.com/dre-pay.html) | Mockup done |
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| Fee calculator | Live calculation by tier (dre-fee-calculator.html) | Mockup done |
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| Signing | DocuSeal (sign.itpropartner.com) | Live |
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| Notarization | Proof API (RON) | Need account |
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| Certified mail | LetterStream API (~$8.34/letter) | Need account |
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| Payments | Stripe ACH (0.8% capped $5) | Need keys |
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| Phone notifications | Twilio SMS | Need account |
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| AI analysis | Claude Opus 4.7 via admin-ai | Designed |
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| Bot protection | Cloudflare Turnstile invisible | Key set, in form |
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## Customer Workflow (full)
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### Phase 1 — Intake
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- Client lands at debtrecoveryexperts.com or portal
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- Fills out intake form: Your Info → Debtor Info → Claim Details → Docs → Terms → Turnstile → Submit
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- Uploads supporting documents (contracts, invoices, correspondence)
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- Signs Terms of Service + Privacy Policy via DocuSeal
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- Auto-generated claim number: DRE-YYYY-NNNN
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- Claim enters DRE queue
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### Phase 2 — AI Review
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- **AI analysis is per claim, not per client.** Each claim gets independent scoring, debtor research, and weakness assessment.
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- AI Claim Analysis (Claude Opus 4.7) → score 0-100 + factor breakdown
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- AI Debtor Research (ScapringAnt + Sherlock + TX SoS) → skip tracing
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- AI Re-analysis on new document upload — score delta tracked in timeline
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- Internal team reviews → Approve / Request More Docs / Reject
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### Phase 3 — Legal Setup
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- LPOA sent via DocuSeal
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- Notarized via Proof (RON — Remote Online Notarization)
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- DRE now authorized to collect
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### Phase 4 — Tiered Recovery
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- Tier 1 — Soft Touch: automated email + Stripe ACH link (Day 1-5)
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- Tier 2 — Formal Demand: certified mail via LetterStream (Day 7-14)
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- Tier 2.5 — Lien Threat: pre-lien notice (Day 15-21) or TX attorney files lien
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- Tier 3 — Escalation: final notice (Day 21-30)
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- Tier 4 — Legal Action: referral to partner law firm (Day 30+)
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### Phase 5 — Settlement & Disbursement
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- Debtor pays via Stripe ACH or physical check
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- DRE fee deducted per tier schedule
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- Costs deducted (notary ~$25-35, certified mail ~$8.34, filing fees ~$250-400)
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- Balance disbursed to client via ACH
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### Phase 6 — Case Closure (Dual Binders)
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- DRE Internal Binder (13 docs including AI analysis, research, internal notes)
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- Client Package (5 docs — excludes AI analysis, research, notes)
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- Evidence archive (original uploads)
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## Fee Structure (proposed)
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| Tier | DRE Fee | Client Gets |
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|------|---------|-------------|
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| 1 — Soft Touch | 20-25% | 75-80% |
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| 2 — Demand | 30% | 70% |
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| 3 — Escalate | 33% | 67% |
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| 4 — Legal | 10% DRE + 25% firm | 65% |
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## Approval Workflow
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- **Appovers:** Germaine + Tony — both must sign off
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- **Anita:** Read-only — can view, cannot approve
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- Approval status per claim: "Pending Germaine" / "Pending Tony" / "Acknowledged"
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- Hourly reminder cron for unacknowledged approvals
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- Approve & Continue button has hover tooltip explaining dual-approval workflow
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## Client Portal View
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Logged-in client sees:
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1. Welcome + member since date
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2. Summary cards: active claims, recovered count, total recovered $, in progress $
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3. Active claim with 4-step tier progress indicator (circles + centered labels + connecting lines)
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4. Past claims: outcome badges (Recovered / Uncollectible), Download binders
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5. Submit New Claim button
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6. Recovery Stats (claims filed, success rate, avg time, fees paid, net)
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7. Recent Disbursements
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## Professional Features
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- **Change History** — every edit tracked (who, what field, old→new, timestamp, reason)
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- **Case Aging Dashboard** — monitors days in tier vs target (red/amber/green)
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- **Debtor Payment Page** — standalone landing page for phone-in payments
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- **Settlement agreement templates** pre-built in DocuSeal
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- **Watermark** on displayed docs: "CONFIDENTIAL - DRE CASE FILE - XXXXXX"
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- **Batch small claims** under $2K into one recovery
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- **Referral tracking** — 5% off next claim for referrals
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## Cost Per Claim
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| Item | Cost |
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|------|------|
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| RON Notarization | ~$25-35 |
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| Identity Verification | ~$4 |
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| Certified Mail | ~$8.34 |
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| Processing (ACH) | ~$5 max |
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| **Total** | **~$37-48** |
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These costs passed to debtor or deducted from proceeds.
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## Infrastructure
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- All mockups at `/root/portal-mockup/`, served at `https://app.itpropartner.com/`
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- Signing at `sign.itpropartner.com` (Caddy → DocuSeal)
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- Vehicle data at `core.itpropartner.com/vehicles.json`
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- A records needed: `portal.debtrecoveryexperts.com` (Cloudflare)
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- API webhooks: DocuSeal → `https://debtrecoveryexperts.com/api/webhooks/docuseal`
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## Design Conventions
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- **Customer pages:** Light theme (#f8fafc bg, white cards), amber CTAs, ScrapingAnt-inspired split-screen
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- **Internal pages:** Dark theme (#0f172a bg, #1e293b cards), amber/blue/green status badges
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- **Approval UI:** Amber badge in nav with hover detail, color-coded per partner status
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- **Tier progress:** 4-step flex column — circles + labels centered below + connecting lines
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- **Turnstile:** Invisible mode, referenced in privacy policy
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## Actions Needed
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- [ ] Proof.com account (online notarization)
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- [ ] LetterStream account (certified mail)
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- [ ] Stripe Connect keys (ACH payments)
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- [ ] Twilio account (SMS notifications)
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- [ ] Law firm partner (Tier 4 litigation)
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- [ ] A record `portal.debtrecoveryexperts.com` on Cloudflare
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- [ ] Kanary setup for Germaine ($84/yr)
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- [ ] TX attorney review of ToS, Privacy Policy, Compliance Manual
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## Portal Mockups
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All at `app.itpropartner.com/`:
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- `debt-recovery.html` — Claim intake form (split-screen, Turnstile)
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- `dre-client-dashboard.html` — Client portal (white, tier progress, stats)
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- `dre-dashboard.html` — Internal queue (dark, AI analysis, change history)
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- `dre-case-aging.html` — Case aging (dark, days-in-tier tracking)
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- `dre-pay.html` — Debtor payment (minimal, no nav)
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- `dre-fee-calculator.html` — Fee estimate (live calculation)
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