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supabase/functions/negotiate/index.ts

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+/*
+  # Debt Negotiation AI Edge Function
+  
+  This function generates FDCPA-compliant negotiation responses based on debt amounts:
+  - < $500: 30-day extension request
+  - $500-$2000: 3-month installment plan
+  - >= $2000: 60% lump-sum settlement offer
+*/
+
+import { createClient } from 'npm:@supabase/supabase-js@2';
+
+const corsHeaders = {
+  'Access-Control-Allow-Origin': '*',
+  'Access-Control-Allow-Headers': 'authorization, x-client-info, apikey, content-type',
+  'Access-Control-Allow-Methods': 'POST, OPTIONS',
+};
+
+interface DebtRecord {
+  id: string;
+  vendor: string;
+  amount: number;
+  raw_email: string;
+}
+
+Deno.serve(async (req) => {
+  try {
+    if (req.method === 'OPTIONS') {
+      return new Response(null, { headers: corsHeaders });
+    }
+
+    const { record }: { record: DebtRecord } = await req.json();
+    
+    const supabaseUrl = Deno.env.get('SUPABASE_URL')!;
+    const supabaseKey = Deno.env.get('SUPABASE_SERVICE_ROLE_KEY')!;
+    const supabase = createClient(supabaseUrl, supabaseKey);
+
+    // Generate negotiation strategy based on amount
+    let strategy = '';
+    let projectedSavings = 0;
+
+    if (record.amount < 500) {
+      strategy = 'extension';
+      projectedSavings = 0; // No savings, just time
+    } else if (record.amount >= 500 && record.amount < 2000) {
+      strategy = 'installment';
+      projectedSavings = record.amount * 0.1; // 10% savings from avoiding late fees
+    } else {
+      strategy = 'settlement';
+      projectedSavings = record.amount * 0.4; // 40% savings from 60% settlement
+    }
+
+    // Generate FDCPA-compliant response
+    const negotiatedPlan = generateNegotiationResponse(record, strategy);
+
+    // Update debt record
+    const { error: updateError } = await supabase
+      .from('debts')
+      .update({
+        negotiated_plan: negotiatedPlan,
+        projected_savings: projectedSavings,
+        status: 'negotiating'
+      })
+      .eq('id', record.id);
+
+    if (updateError) {
+      throw updateError;
+    }
+
+    // Log the action
+    await supabase
+      .from('audit_logs')
+      .insert({
+        debt_id: record.id,
+        action: 'negotiation_generated',
+        details: {
+          strategy,
+          amount: record.amount,
+          projected_savings: projectedSavings
+        }
+      });
+
+    return new Response(
+      JSON.stringify({ success: true, strategy, projected_savings: projectedSavings }),
+      { headers: { ...corsHeaders, 'Content-Type': 'application/json' } }
+    );
+
+  } catch (error) {
+    console.error('Negotiation function error:', error);
+    return new Response(
+      JSON.stringify({ error: error.message }),
+      { 
+        status: 500, 
+        headers: { ...corsHeaders, 'Content-Type': 'application/json' } 
+      }
+    );
+  }
+});
+
+function generateNegotiationResponse(record: DebtRecord, strategy: string): string {
+  const vendorDomain = record.vendor.split('@')[1] || 'your company';
+  const companyName = vendorDomain.split('.')[0].toUpperCase();
+  
+  const baseResponse = `Dear ${companyName} Collections Department,
+
+I am writing in response to your recent communication regarding account balance of $${record.amount.toFixed(2)}.
+
+I acknowledge this debt and am committed to resolving this matter in good faith. Due to current financial circumstances, I would like to propose the following arrangement:
+
+`;
+
+  let proposal = '';
+  
+  switch (strategy) {
+    case 'extension':
+      proposal = `I respectfully request a 30-day extension to arrange full payment. I anticipate being able to settle this account in full by ${getDateAfterDays(30)}.
+
+During this extension period, I request that no additional fees or interest be applied to maintain the current balance.`;
+      break;
+      
+    case 'installment':
+      const monthlyPayment = (record.amount / 3).toFixed(2);
+      proposal = `I would like to propose a 3-month payment plan with the following terms:
+- Monthly payments of $${monthlyPayment}
+- First payment due: ${getDateAfterDays(30)}
+- Subsequent payments on the same date for the following 2 months
+- No additional fees or interest during the payment plan period`;
+      break;
+      
+    case 'settlement':
+      const settlementAmount = (record.amount * 0.6).toFixed(2);
+      proposal = `I would like to propose a lump-sum settlement offer of $${settlementAmount} (60% of the current balance) to resolve this matter completely.
+
+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.`;
+      break;
+  }
+
+  const closingResponse = `
+
+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.
+
+I look forward to your prompt response so we can resolve this matter efficiently.
+
+Sincerely,
+[Account Holder Name]
+
+---
+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.`;
+
+  return baseResponse + proposal + closingResponse;
+}
+
+function getDateAfterDays(days: number): string {
+  const date = new Date();
+  date.setDate(date.getDate() + days);
+  return date.toLocaleDateString('en-US', { 
+    year: 'numeric', 
+    month: 'long', 
+    day: 'numeric' 
+  });
+}