97 lines
3.6 KiB
Markdown
97 lines
3.6 KiB
Markdown
---
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name: debt-recovery-platform
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description: "Blueprint for the Debt Recovery Experts (DRE) portal — intake, notarization, certified mail, AI claim scoring, legal review, and payment disbursement workflow."
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version: 1.0.0
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author: Hermes Agent
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license: MIT
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platforms: [web]
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tags: [debt-recovery, portal, docusign, notary, certified-mail, stripe-connect]
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---
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# Debt Recovery Platform
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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.
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## Full Workflow
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```
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Contractor signs up & uploads docs
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↓
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AI claim analysis (internal score + case comparison)
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↓
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Legal review (paralegal/attorney) → "Viable in Texas?"
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↓
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LPOA sent to customer → Notarized online via Proof (RON)
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↓
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Debtor served → Certified letter via LetterStream
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↓
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Debt collected via ACH → Stripe Connect holds funds
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↓
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DRE fee deducted → Balance paid to contractor
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↓
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Customer tracks everything in portal
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```
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## Key Integrations
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### Online Notary — Proof (formerly Notarize)
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- **Cost:** $25/notarization (in-house) or $10-25 (on-demand network)
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- **API:** REST with webhooks (Premium tier required)
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- **Texas compliant:** ✅ HB 3496 & SB 1624
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- **Flow:** Customer initiates notary session from within portal → signs LPOA → notarized in same session
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### Certified Mail — LetterStream
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- **Cost:** ~$8.34 per certified letter
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- **API:** REST, no monthly minimums
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- **Delivery:** They print, fold, stuff, and mail via USPS
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- **Proof:** Return receipt / certificate of mailing
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### Payments — ACH (preferred) via Stripe Connect
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- **Stripe ACH:** 0.8% capped at $5 (vs 2.9% + $0.30 for cards)
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- **Flow:** Debtor pays via ACH → Stripe holds → DRE deducts fee → disburses to customer
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- **Pass-through fees:** Processing costs can be included in what the debtor pays
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### Digital Signatures — DocuSeal (self-hosted recommendation)
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- **Why:** Lightweight (227 MB Docker image), SQLite (no PostgreSQL), free embedding SDKs
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- **Covers:** Service agreements, disbursement authorizations, internal approvals
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- **Not for:** LPOA (that requires RON with Proof)
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## AI Claim Analysis
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A high-end vision+reasoning model (Claude Opus 4.7 or GPT-4o) scores each claim internally:
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| Factor | What it evaluates |
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|---|---|
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| Documentation quality | Completeness of contract, invoice, correspondence |
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| Debtor profile | Company type, solvency indicators, responsiveness |
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| Legal standing (TX) | Is the contract valid? Proper jurisdiction? Statute of limitations? |
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| Amount reasonableness | Does the claim amount match the scope of work? |
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**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.
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The analysis is visible ONLY to the DRE internal team (not the customer).
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## Per-Claim Cost Estimate
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| Item | Cost |
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|---|---|
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| Notarization (LPOA) | ~$25-35 |
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| Identity verification | ~$4 |
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| Certified mail (debtor) | ~$8.34 |
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| ACH processing | ~$5 max |
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| **Total per claim** | **~$42-52** |
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These costs are passed to the debtor as part of the recovery, not borne by DRE.
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## Portal Pages
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See `/root/portal-mockup/debt-recovery.html` (customer intake) and `/root/portal-mockup/dre-dashboard.html` (internal dashboard with AI analysis).
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## Status: Planning Phase
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Integrations identified but not yet deployed:
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- Proof (RON) — needs account setup
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- LetterStream — needs account setup
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- Stripe Connect — needs account setup
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- DocuSeal — can deploy on Core Docker immediately
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