Debt Recovery Platform — Full Architecture
Overview
Debt Recovery Experts (DRE) operates at debtrecoveryexperts.com. Contractors/owner-operators submit unpaid debt claims via the portal. DRE reviews, notarizes an LPOA, serves the debtor via certified mail, collects via ACH, deducts a fee, and disburses the balance.
Technology Stack
| Component |
Service |
Status |
| Signing |
DocuSeal (self-hosted, sign.itpropartner.com) |
✅ Live |
| Notarization |
Proof (formerly Notarize) — $25-35/session |
📋 Planned |
| Certified mail |
LetterStream — $8.34/letter |
📋 Planned |
| Payments |
Stripe ACH (0.8%, capped $5) or checks |
📋 Planned |
| AI Analysis |
Claude Opus 4.7 (via admin-ai) — document scoring |
📋 Planned |
| Portal |
Caddy reverse proxy on Core (152.53.192.33) |
🟡 Mockup done |
Domain Plan
| Service |
URL |
DNS |
| Signing |
sign.itpropartner.com |
SiteGround A record → 152.53.192.33 (Caddy HTTPS) |
| DRE website |
debtrecoveryexperts.com |
Cloudflare Zone |
| DRE portal |
portal.debtrecoveryexperts.com |
Cloudflare A record → 152.53.192.33 |
| WordPress |
debtrecoveryexperts.com |
wphost02 (RunCloud) |
Cost Per Claim
- Notarization (RON): ~$25-35
- Identity verification: ~$4
- Certified mail: ~$8.34
- ACH processing: ~$5 max
- Total: ~$42-52 per claim (passed to debtor)
AI Claim Analysis Flow
- Customer uploads documents (contracts, invoices, correspondence)
- Portal sends docs to Claude Opus 4.7 for analysis
- Model scores: documentation quality, debtor solvency, TX legal standing, amount reasonableness
- Public case records (TX) are compared — similar case count, avg recovery rate, median time
- Internal DRE dashboard shows results — never visible to customers
Legal Documents (Drafts)
- Terms of Service:
/root/TERMS_OF_SERVICE_DRAFT.md ⚠️ Needs TX attorney review
- Privacy Policy:
/root/PRIVACY_POLICY_DRAFT.md ⚠️ Needs TX attorney review
- Internal Compliance Manual:
/root/DRE_Compliance_Manual.md ⚠️ Needs TX attorney review
Texas Law Key Findings (Jul 7, 2026 Research)
| Topic |
Finding |
| License/Bond |
Likely required for third-party debt collectors in TX |
| LPOA |
Must be in writing, notarized, specifically enumerate debt collection powers |
| Fee caps |
No statutory cap in TX — set own %, must disclose in writing |
| SOL (written contracts) |
4 years — reject claims past SOL |
| Service of process |
Certified mail (restricted delivery) is valid per TRCP 106(a)(2) |
| FDCPA |
Full compliance required: validation notice within 5 days, Mini-Miranda, cease comms |
| Data breach |
Must notify within 60 days per TX Bus. & Com. Code § 521 |
| Debtor calling |
Prior express consent for autodial; manual dial only; 3-call-per-7-day cap |
