61 lines
2.8 KiB
Markdown
61 lines
2.8 KiB
Markdown
# Debt Recovery Platform — Full Architecture
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## Overview
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Debt Recovery Experts (DRE) operates at debtrecoveryexperts.com. Contractors/owner-operators submit unpaid debt claims via the portal. DRE reviews, notarizes an LPOA, serves the debtor via certified mail, collects via ACH, deducts a fee, and disburses the balance.
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## Technology Stack
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| Component | Service | Status |
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|---|---|---|
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| **Signing** | DocuSeal (self-hosted, sign.itpropartner.com) | ✅ Live |
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| **Notarization** | Proof (formerly Notarize) — $25-35/session | 📋 Planned |
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| **Certified mail** | LetterStream — $8.34/letter | 📋 Planned |
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| **Payments** | Stripe ACH (0.8%, capped $5) or checks | 📋 Planned |
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| **AI Analysis** | Claude Opus 4.7 (via admin-ai) — document scoring | 📋 Planned |
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| **Portal** | Caddy reverse proxy on Core (152.53.192.33) | 🟡 Mockup done |
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## Domain Plan
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| Service | URL | DNS |
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|---|---|---|
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| **Signing** | sign.itpropartner.com | SiteGround A record → 152.53.192.33 (Caddy HTTPS) |
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| **DRE website** | debtrecoveryexperts.com | Cloudflare Zone |
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| **DRE portal** | portal.debtrecoveryexperts.com | Cloudflare A record → 152.53.192.33 |
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| **WordPress** | debtrecoveryexperts.com | wphost02 (RunCloud) |
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## Cost Per Claim
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- Notarization (RON): ~$25-35
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- Identity verification: ~$4
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- Certified mail: ~$8.34
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- ACH processing: ~$5 max
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- **Total: ~$42-52 per claim** (passed to debtor)
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## AI Claim Analysis Flow
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1. Customer uploads documents (contracts, invoices, correspondence)
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2. Portal sends docs to Claude Opus 4.7 for analysis
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3. Model scores: documentation quality, debtor solvency, TX legal standing, amount reasonableness
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4. Public case records (TX) are compared — similar case count, avg recovery rate, median time
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5. Internal DRE dashboard shows results — **never visible to customers**
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## Legal Documents (Drafts)
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- Terms of Service: `/root/TERMS_OF_SERVICE_DRAFT.md` ⚠️ Needs TX attorney review
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- Privacy Policy: `/root/PRIVACY_POLICY_DRAFT.md` ⚠️ Needs TX attorney review
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- Internal Compliance Manual: `/root/DRE_Compliance_Manual.md` ⚠️ Needs TX attorney review
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## Texas Law Key Findings (Jul 7, 2026 Research)
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| Topic | Finding |
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| License/Bond | Likely required for third-party debt collectors in TX |
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| LPOA | Must be in writing, notarized, specifically enumerate debt collection powers |
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| Fee caps | No statutory cap in TX — set own %, must disclose in writing |
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| SOL (written contracts) | 4 years — reject claims past SOL |
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| Service of process | Certified mail (restricted delivery) is valid per TRCP 106(a)(2) |
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| FDCPA | Full compliance required: validation notice within 5 days, Mini-Miranda, cease comms |
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| Data breach | Must notify within 60 days per TX Bus. & Com. Code § 521 |
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| Debtor calling | Prior express consent for autodial; manual dial only; 3-call-per-7-day cap |
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