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Francisco Pessano
160
supabase/functions/negotiate/index.ts
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160
supabase/functions/negotiate/index.ts
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/*
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# Debt Negotiation AI Edge Function
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This function generates FDCPA-compliant negotiation responses based on debt amounts:
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- < $500: 30-day extension request
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- $500-$2000: 3-month installment plan
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- >= $2000: 60% lump-sum settlement offer
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*/
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import { createClient } from 'npm:@supabase/supabase-js@2';
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const corsHeaders = {
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'Access-Control-Allow-Origin': '*',
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'Access-Control-Allow-Headers': 'authorization, x-client-info, apikey, content-type',
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'Access-Control-Allow-Methods': 'POST, OPTIONS',
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};
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interface DebtRecord {
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id: string;
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vendor: string;
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amount: number;
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raw_email: string;
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}
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Deno.serve(async (req) => {
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try {
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if (req.method === 'OPTIONS') {
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return new Response(null, { headers: corsHeaders });
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}
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const { record }: { record: DebtRecord } = await req.json();
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const supabaseUrl = Deno.env.get('SUPABASE_URL')!;
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const supabaseKey = Deno.env.get('SUPABASE_SERVICE_ROLE_KEY')!;
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const supabase = createClient(supabaseUrl, supabaseKey);
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// Generate negotiation strategy based on amount
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let strategy = '';
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let projectedSavings = 0;
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if (record.amount < 500) {
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strategy = 'extension';
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projectedSavings = 0; // No savings, just time
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} else if (record.amount >= 500 && record.amount < 2000) {
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strategy = 'installment';
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projectedSavings = record.amount * 0.1; // 10% savings from avoiding late fees
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} else {
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strategy = 'settlement';
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projectedSavings = record.amount * 0.4; // 40% savings from 60% settlement
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}
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// Generate FDCPA-compliant response
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const negotiatedPlan = generateNegotiationResponse(record, strategy);
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// Update debt record
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const { error: updateError } = await supabase
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.from('debts')
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.update({
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negotiated_plan: negotiatedPlan,
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projected_savings: projectedSavings,
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status: 'negotiating'
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})
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.eq('id', record.id);
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if (updateError) {
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throw updateError;
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}
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// Log the action
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await supabase
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.from('audit_logs')
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.insert({
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debt_id: record.id,
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action: 'negotiation_generated',
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details: {
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strategy,
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amount: record.amount,
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projected_savings: projectedSavings
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}
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});
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return new Response(
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JSON.stringify({ success: true, strategy, projected_savings: projectedSavings }),
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{ headers: { ...corsHeaders, 'Content-Type': 'application/json' } }
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);
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} catch (error) {
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console.error('Negotiation function error:', error);
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return new Response(
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JSON.stringify({ error: error.message }),
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{
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status: 500,
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headers: { ...corsHeaders, 'Content-Type': 'application/json' }
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}
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);
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}
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});
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function generateNegotiationResponse(record: DebtRecord, strategy: string): string {
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const vendorDomain = record.vendor.split('@')[1] || 'your company';
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const companyName = vendorDomain.split('.')[0].toUpperCase();
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const baseResponse = `Dear ${companyName} Collections Department,
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I am writing in response to your recent communication regarding account balance of $${record.amount.toFixed(2)}.
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I acknowledge this debt and am committed to resolving this matter in good faith. Due to current financial circumstances, I would like to propose the following arrangement:
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`;
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let proposal = '';
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switch (strategy) {
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case 'extension':
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proposal = `I respectfully request a 30-day extension to arrange full payment. I anticipate being able to settle this account in full by ${getDateAfterDays(30)}.
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During this extension period, I request that no additional fees or interest be applied to maintain the current balance.`;
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break;
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case 'installment':
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const monthlyPayment = (record.amount / 3).toFixed(2);
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proposal = `I would like to propose a 3-month payment plan with the following terms:
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- Monthly payments of $${monthlyPayment}
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- First payment due: ${getDateAfterDays(30)}
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- Subsequent payments on the same date for the following 2 months
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- No additional fees or interest during the payment plan period`;
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break;
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case 'settlement':
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const settlementAmount = (record.amount * 0.6).toFixed(2);
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proposal = `I would like to propose a lump-sum settlement offer of $${settlementAmount} (60% of the current balance) to resolve this matter completely.
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This settlement would be paid within 10 business days of written acceptance of this offer. Upon payment, I request written confirmation that this account will be considered paid in full and closed.`;
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break;
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}
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const closingResponse = `
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Please confirm receipt of this correspondence and your acceptance of the proposed arrangement. I am committed to honoring any agreement we reach and appreciate your consideration of this proposal.
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I look forward to your prompt response so we can resolve this matter efficiently.
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Sincerely,
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[Account Holder Name]
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---
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This correspondence is sent in accordance with the Fair Debt Collection Practices Act (FDCPA). If you are a debt collector, this serves as formal notice that I am disputing this debt and requesting validation as outlined under Section 809(b) of the FDCPA.`;
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return baseResponse + proposal + closingResponse;
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}
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function getDateAfterDays(days: number): string {
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const date = new Date();
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date.setDate(date.getDate() + days);
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return date.toLocaleDateString('en-US', {
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year: 'numeric',
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month: 'long',
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day: 'numeric'
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});
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}
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94
supabase/migrations/20250607000423_fierce_bread.sql
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94
supabase/migrations/20250607000423_fierce_bread.sql
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/*
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# InboxNegotiator Database Schema
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1. New Tables
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- `debts`
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- `id` (uuid, primary key)
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- `created_at` (timestamp)
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- `vendor` (text) - creditor email address
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- `amount` (numeric) - debt amount
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- `raw_email` (text) - full email content
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- `status` (text) - current negotiation status
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- `negotiated_plan` (text) - AI-generated response
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- `projected_savings` (numeric) - estimated savings
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- `updated_at` (timestamp)
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- `audit_logs`
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- `id` (uuid, primary key)
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- `debt_id` (uuid, foreign key)
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- `action` (text) - action performed
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- `details` (jsonb) - additional details
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- `created_at` (timestamp)
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2. Security
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- Enable RLS on both tables
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- Add policies for authenticated users to access their data
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- Create indexes for performance
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3. Real-time
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- Enable real-time for debts table
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*/
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-- Create debts table
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CREATE TABLE IF NOT EXISTS debts (
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id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
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created_at timestamptz DEFAULT now(),
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updated_at timestamptz DEFAULT now(),
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vendor text NOT NULL,
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amount numeric DEFAULT 0,
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raw_email text,
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status text DEFAULT 'received' CHECK (status IN ('received', 'negotiating', 'settled', 'failed', 'opted_out')),
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negotiated_plan text,
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projected_savings numeric DEFAULT 0
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);
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-- Create audit logs table
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CREATE TABLE IF NOT EXISTS audit_logs (
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id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
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created_at timestamptz DEFAULT now(),
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debt_id uuid REFERENCES debts(id) ON DELETE CASCADE,
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action text NOT NULL,
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details jsonb DEFAULT '{}'::jsonb
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);
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-- Enable RLS
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ALTER TABLE debts ENABLE ROW LEVEL SECURITY;
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ALTER TABLE audit_logs ENABLE ROW LEVEL SECURITY;
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-- Create policies (for demo purposes, allowing all authenticated users)
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CREATE POLICY "Allow all operations on debts"
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ON debts
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FOR ALL
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TO authenticated
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USING (true)
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WITH CHECK (true);
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CREATE POLICY "Allow all operations on audit_logs"
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ON audit_logs
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FOR ALL
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TO authenticated
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USING (true)
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WITH CHECK (true);
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-- Create indexes for performance
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CREATE INDEX IF NOT EXISTS idx_debts_status ON debts(status);
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CREATE INDEX IF NOT EXISTS idx_debts_created_at ON debts(created_at DESC);
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CREATE INDEX IF NOT EXISTS idx_audit_logs_debt_id ON audit_logs(debt_id);
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-- Create function to update updated_at timestamp
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CREATE OR REPLACE FUNCTION update_updated_at_column()
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RETURNS TRIGGER AS $$
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BEGIN
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NEW.updated_at = now();
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RETURN NEW;
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END;
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$$ language 'plpgsql';
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-- Create trigger for updated_at
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DROP TRIGGER IF EXISTS update_debts_updated_at ON debts;
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CREATE TRIGGER update_debts_updated_at
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BEFORE UPDATE ON debts
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FOR EACH ROW
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EXECUTE FUNCTION update_updated_at_column();
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-- Enable real-time for debts table
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ALTER publication supabase_realtime ADD TABLE debts;
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