Debt Recovery Platform

The DRE platform is a standalone debt recovery portal for contractors/owner-operators to submit unpaid debt claims. The workflow is designed to be zero-touch from the DRE team's side, with full visibility at every step.

Full Workflow

Contractor signs up & uploads docs
        ↓
AI claim analysis (internal score + case comparison)
        ↓
Legal review (paralegal/attorney) → "Viable in Texas?"
        ↓
LPOA sent to customer → Notarized online via Proof (RON)
        ↓
Debtor served → Certified letter via LetterStream
        ↓
Debt collected via ACH → Stripe Connect holds funds
        ↓
DRE fee deducted → Balance paid to contractor
        ↓
Customer tracks everything in portal

Key Integrations

Online Notary — Proof (formerly Notarize)

Cost: $25/notarization (in-house) or $10-25 (on-demand network)
API: REST with webhooks (Premium tier required)
Texas compliant: ✅ HB 3496 & SB 1624
Flow: Customer initiates notary session from within portal → signs LPOA → notarized in same session

Certified Mail — LetterStream

Cost: ~$8.34 per certified letter
API: REST, no monthly minimums
Delivery: They print, fold, stuff, and mail via USPS
Proof: Return receipt / certificate of mailing

Payments — ACH (preferred) via Stripe Connect

Stripe ACH: 0.8% capped at $5 (vs 2.9% + $0.30 for cards)
Flow: Debtor pays via ACH → Stripe holds → DRE deducts fee → disburses to customer
Pass-through fees: Processing costs can be included in what the debtor pays

Digital Signatures — DocuSeal (self-hosted recommendation)

Why: Lightweight (227 MB Docker image), SQLite (no PostgreSQL), free embedding SDKs
Covers: Service agreements, disbursement authorizations, internal approvals
Not for: LPOA (that requires RON with Proof)

AI Claim Analysis

A high-end vision+reasoning model (Claude Opus 4.7 or GPT-4o) scores each claim internally:

Factor	What it evaluates
Documentation quality	Completeness of contract, invoice, correspondence
Debtor profile	Company type, solvency indicators, responsiveness
Legal standing (TX)	Is the contract valid? Proper jurisdiction? Statute of limitations?
Amount reasonableness	Does the claim amount match the scope of work?

Case comparison: The AI also searches public civil case records for similar disputes — average recovery rate, median resolution time, and how the new claim compares.

The analysis is visible ONLY to the DRE internal team (not the customer).

Per-Claim Cost Estimate

Item	Cost
Notarization (LPOA)	~$25-35
Identity verification	~$4
Certified mail (debtor)	~$8.34
ACH processing	~$5 max
Total per claim	~$42-52

These costs are passed to the debtor as part of the recovery, not borne by DRE.

Portal Pages

See /root/portal-mockup/debt-recovery.html (customer intake) and /root/portal-mockup/dre-dashboard.html (internal dashboard with AI analysis).

Status: Planning Phase

Integrations identified but not yet deployed:

Proof (RON) — needs account setup
LetterStream — needs account setup
Stripe Connect — needs account setup
DocuSeal — can deploy on Core Docker immediately

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