110 lines
4.1 KiB
Markdown
110 lines
4.1 KiB
Markdown
# DRE Portal — Full Technical Specifications
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## Claim Numbering & Client IDs
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| Type | Format | Example |
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| Claim number | `DRE-YYYY-NNNN` | DRE-2026-0001 |
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| Client ID | `CLT-YYYY-NNNN` | CLT-2026-0001 |
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Auto-generated on claim submission / account creation.
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## Closed Case Binders
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Two PDF binders auto-generated on case close:
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**Binder 1 — DRE Internal:** `DRE-YYYY-NNNN_CLOSED_DRE.pdf`
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- Intake form, uploaded evidence, AI claim analysis, AI debtor research, AI weakness analysis, internal team notes, signed/notarized LPOA, certified mail receipts, communication log, settlement agreement, fee disclosure, payment confirmation
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**Binder 2 — Client Package:** `DRE-YYYY-NNNN_CLOSED_Client.pdf`
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- Claim summary, signed/notarized LPOA, settlement/payment confirmation, fee statement
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- **EXCLUDES:** AI analysis, debtor research, internal notes
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**Evidence Archive:** `DRE-YYYY-NNNN_evidence.zip` — original uploaded documents
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PDF text is extracted on close and stored in database for full-text search.
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## Full 5-Phase Workflow
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### Phase 1 — Intake
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- Client at debtrecoveryexperts.com fills intake form
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- Form order: Your Info (name, business, email, phone) → Debtor Info → Claim Details → Document Upload
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- Google reCAPTCHA verification before submit
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- ToS signed via DocuSeal
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- Claim number auto-assigned, enters DRE queue
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### Phase 2 — AI Review
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- AI Claim Analysis (Claude Opus 4.7) → score 0-100 + weakness analysis
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- AI Debtor Research (ScrapingAnt + Sherlock) → LinkedIn, property records, legal history
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- Texas SoS business search (if debtor is registered TX business)
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- Team reviews → Approve / Request More Docs / Reject
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### Phase 3 — Legal Setup
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- LPOA sent via DocuSeal → notarized via Proof (online RON)
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- DRE now authorized to collect
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### Phase 4 — Tiered Recovery
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| Tier | Action | Timeline | DRE-led? |
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| 1 | Soft Touch — email + ACH link | Day 1-5 | ✅ Yes |
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| 2 | Formal Demand — certified mail via LetterStream | Day 7-14 | ✅ Yes |
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| 2.5 | Lien Threat — pre-lien notice (construction claims) | Day 15-21 | ⚠️ Notice only; filing needs attorney |
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| 3 | Escalation — final notice | Day 21-30 | ✅ Yes |
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| 4 | Legal Action — referral to partner law firm | Day 30+ | ❌ Referral |
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### Phase 5 — Settlement
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- Payment via Stripe ACH
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- Fee deducted per schedule
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- Costs deducted (notary, certified mail, filing fees)
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- Balance disbursed → case closed → two binders auto-generated
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## Fee Structure
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| Tier | DRE Fee | Client Gets |
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| 1 — Soft Touch | 20-25% | 75-80% |
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| 2 — Formal Demand | 30% | 70% |
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| 2.5 — Lien Threat | 30% (+ attorney if filed) | 70% |
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| 3 — Escalation | 33% | 67% |
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| 4 — Legal Action | 10% DRE + 25% law firm | 65% |
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**$15,000 example:**
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- Tier 1: DRE $3,300 (22%) · Client $11,700
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- Tier 2: DRE $4,500 (30%) · Client $10,500
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- Tier 3: DRE $4,950 (33%) · Client $10,050
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- Tier 4: DRE $1,500 + Firm $3,750 · Client $9,750
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## Repeat Clients
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- Account system with login
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- ToS signed once per client
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- Pre-filled info on new claims
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- Dashboard: active cases (tier progress bar), past cases with outcomes, payment history
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- Download own case binders
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- Optional loyalty pricing after 3+ claims
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## Client Tier Progress Indicator
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Visual 4-step bar in active claim card:
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- Numbered circles (green=complete, blue=current, gray=pending)
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- Connecting lines between circles
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- Label centered under each circle
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- Text summary: "✓ Tier 1 complete · Tier 2 in progress · Tier 3 pending · Tier 4 pending"
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## Required Services (not yet configured)
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| Service | Purpose | Status |
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| Proof.com | Online notarization | ❌ Need account |
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| LetterStream | Certified mail | ❌ Need account |
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| Stripe Connect | ACH payments | ❌ Need keys |
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| Partner law firm | Litigation (Tier 4) | ❌ Need agreement |
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| Google reCAPTCHA | Anti-spam | ❌ Need site key |
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## Texas Secretary of State Integration
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AI Debtor Research scrapes TX SoS business search for:
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- Business status, registered agent, filing date, annual report status, officers/directors
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- Informs debtor profile score component
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