DRE Letter Templates — 8-Tier Workflow

AUTOMATED (Items 1-3) — sent from dre@ automatically based on claim status

1. Initial Onboarding — "We've Received Your Claim"

2. Under Review — "Your claim is being reviewed"

3. Accepted + LPOA — Includes LPOA attachment link + notarization instructions

Each contains: Claim ID, debtor name, amount, payment link (pay.debtrecoveryexperts.com), next steps.

QUEUED (Items 4-8) — require authoring + dual approval

Anita authors/edits → submitted for approval → Tony + Germaine both approve → sent from collections@

4. Soft Touch (Tier 1) — Friendly reminder email

5. Formal Demand (Tier 2) — 14-day demand with escalation warnings

6. Lien Threat (Tier 2.5) — Texas mechanic's lien notice, 10-day cure

7. Escalation (Tier 3) — Final notice before legal action

8. Legal Action (Tier 4) — Lawsuit referral notice

All queued letters include FDCPA disclosure: "This communication is from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose."

Payment Link Requirement

Every letter template and mock letter must include this line immediately before the FDCPA disclosure:

Payment can be made at: https://pay.debtrecoveryexperts.com

See references/letter-queue-payment-links.md for the full pattern including the Anita notification bar that fires on new draft creation.

Full templates at /root/.hermes/references/dre-letter-templates.md

Client stage → available templates:

soft-touch → formal-demand
formal-demand → lien-threat, escalation
lien-threat → escalation, legal-action
escalation → legal-action
legal-action → (none — handled by counsel)

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