117 lines
4.5 KiB
Markdown
117 lines
4.5 KiB
Markdown
# DRE Portal Technical Specifications
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## Claim Numbering & Client IDs
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| Type | Format | Example |
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|---|---|---|
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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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Both auto-generated on claim submission / account creation.
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## Closed Case Binders
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On case close, two PDF binders are auto-generated:
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**Binder 1 — DRE Internal:** `DRE-YYYY-NNNN_CLOSED_DRE.pdf`
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- Intake, evidence, AI claim analysis, AI debtor research, AI weakness analysis, internal notes, signed/notarized LPOA, certified mail receipts, communication log, settlement, 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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On case close, PDF text is extracted and stored in the database for full-text search. Future: Paperless-ngx if volume exceeds 500+ cases.
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## Full 5-Phase Workflow
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### Phase 1 — Intake
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- Client submits claim at debtrecoveryexperts.com
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- Form order: Your Info → Debtor Info → Claim Details → Documents
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- reCAPTCHA verification before submit
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- Terms of Service signed via DocuSeal
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- Auto-generated claim number assigned
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- Claim enters DRE queue
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### Phase 2 — AI Review
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- AI Claim Analysis (Claude Opus 4.7) → score + weakness report
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- AI Debtor Research (ScrapingAnt + Sherlock) → skip tracing, LinkedIn, property records
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- Texas Secretary of State business search (if debtor is a registered TX business) — scraped via ScrapingAnt
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- Team reviews in DRE dashboard → Approve / Request More Docs / Reject
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### Phase 3 — Legal Setup
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- LPOA sent to client via DocuSeal
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- Client signs → notarized via Proof (online RON)
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- DRE now authorized to collect on client's behalf
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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 collected via Stripe ACH
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- DRE fee deducted per tier schedule
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- Costs deducted (notary, certified mail, filing fees)
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- Balance disbursed to client
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- 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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Example for $15,000 claim:
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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-based system with login
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- ToS signed once, pre-filled info on new claims
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- Dashboard: active cases (with tier progress indicator), past cases with outcomes, payment history
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- Client can download their own case binders
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- Optional loyalty pricing after 3+ claims
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## Client Portal — Tier Progress Indicator
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Visual 4-step progress bar in the active claim card:
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- Each tier: numbered circle (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 below: "✓ 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 (LPOA) | ❌ Need account |
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| LetterStream | Certified mail to debtor | ❌ Need account |
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| Stripe Connect | ACH payments + disbursement | ❌ Need keys |
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| Partner law firm | Litigation (Tier 4) | ❌ Need referral agreement |
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| Google reCAPTCHA | Anti-spam on intake form | ❌ Need site key |
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## Texas Secretary of State Integration
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For debtor businesses registered in Texas, the AI Debtor Research step should scrape the TX SoS business search to retrieve:
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- Business status (active/forfeited/dissolved)
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- Registered agent name and address
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- Filing date
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- Annual report compliance status
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- Officers/directors
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This is an additional skip tracing layer that informs the debtor profile score.
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