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