Build the Record / Start

Contractor took your money

You hired someone for work on your home, paid them, and the work is unfinished, defective, or never started.

How this works


  1. Open an AI assistant in another tab or app. Claude, ChatGPT, Gemini and Perplexity all have free versions. Any of them works.
  2. Copy step 0 below and paste it in. That sets the rules.
  3. Work through the steps in order. Copy, paste, then answer its questions and give it your documents when it asks.

Each step builds on the one before it, so order matters. You do not have to finish in one sitting — the assistant can pick up where you left off if you tell it what you already did. Expect several hours across several days, not minutes.

Step 0 — the rules


0

Paste this first, before anything else

Tells the assistant how to behave: no invented facts, no guessing, quote things exactly.

Show the text
You are helping me build a contractor-dispute case file. Non-negotiable:
1. Never state a fact without a document, payment record, dated photo, or
   logged message behind it. Quote their words verbatim or not at all.
2. Every amount and day-count in any output is computed from the ledger with
   an assertion that fails on mismatch.
3. My own bad facts go IN the counsel-only file, plainly listed — never
   silently dropped, never in anything we send out.
4. Where my own records conflict, list the conflict; do not reconcile it away.
5. State facts; no legal argument and no adjectives in anything sent out.
6. Check whether my state has a right-to-cure or home-repair statute before
   any demand or filing is drafted, and tell me what it requires.
7. Keep an append-only decisions file of every ruling I make.

The steps


1

Read the contract for what is missing

Many home-repair contracts are missing terms the law requires.

Show the text
Read every contract document in my dispute — quotes, proposals, signed pages,
change orders, and any text/email where scope or price was agreed.

Produce the anatomy:
1. WHAT IT SAYS: parties as written; total price and how it breaks down by
   scope; payment schedule and triggers, quoted verbatim; scope description,
   verbatim; anything about permits, insurance, warranties.
2. WHAT IT LACKS, as a checklist with implications: completion date or
   schedule? change-order process? termination clause? arbitration clause?
   attorney-fee provision? lien-waiver terms? license number on the document?
   For each absence, one sentence on what standard fills the gap (e.g. no
   completion date → performance within a reasonable time, evidenced by their
   own promises — see prompt 03).
3. FORMATION FACTS: who signed what and when; whether any statutory writings
   my state requires for home-repair work (written contract thresholds,
   consumer-rights disclosures) were provided — list what was never given.
4. CHANGE ORDERS: each one — scope, amount, whether written or inferred from
   messages, and whether the underlying need was caused by their own defective
   work (those are contested items, not agreed debts; mark them).

Rules: quote, don't paraphrase; page-cite everything; where a term exists only
in a text message, that message is the exhibit.
After this step

The gaps list drives strategy: no arbitration clause keeps small claims open; no fee clause means every escalation costs you your own fees — factor that into the demand number.

2

Compare what you paid to what you got

Money out versus work actually completed, line by line.

Show the text
From primary records only — bank statements, Zelle/Venmo confirmations, check
images, receipts — build the payment ledger: date, amount, method, reference,
payee as shown, and the scope item it paid for (from the contract anatomy and
surrounding messages).

Then compute the exposure table, every number asserted:
- Paid, work completed and sound.
- Paid, work performed but corrected/redone by third parties — with my
  corrective costs beside it (their invoices are exhibits).
- Paid, work never begun — the deposit-to-unstarted-scope number, isolated
  and exact. This is usually the demand.
- Claimed owed by them, unverified — list their asserted balances separately;
  we neither adopt nor ignore them.

Flag every conflict inside my own records (a remembered cash payment with no
record, a transfer whose purpose is unclear) in a CONFLICTS section — listed,
not reconciled.
After this step

The cleanest claim is money paid for scope never begun. Keep it unmixed with defect claims in every document we produce; blended demands are easier to refuse.

3

Track every promise and when it broke

Each date they gave you, and what happened on that date.

Show the text
Sweep every text thread and email with the contractor. Extract every statement
about schedule — start dates, durations, "next week," "a few weeks out," crew and
subcontractor availability — each QUOTED VERBATIM with who said it and the
date. Alongside, place what actually happened on the ground (from photos,
visits, and the work record).

Build the promise ledger: date of promise → the promise, verbatim → the date
it implied → what happened by that date → the next promise. Compute the
pattern facts: how many distinct start commitments; the span from first
promise to today; instances where the same interval was re-promised after it
lapsed (the same "three weeks" promised on <date> and again <N> days later).

Same sweep for MY side: every deadline I set in writing and what I said would
follow; their responses to each, verbatim.

Rules: no characterization ("stringing us along") anywhere — the ledger's
juxtaposition does that work by existing.
After this step

This artifact usually decides the dispute's story: performance vs. a pattern of resetting promises. It's also the exhibit a small-claims judge reads fastest.

4

Document the actual work

Photos and their own words about the state of the job.

Show the text
Assemble the physical-work evidence:

1. PHOTO/VIDEO CATALOG: every dated capture of the work — state before, during,
   after; defects; site conditions. Same discipline as the sibling repos: date
   from metadata where possible, one factual sentence describing only what is
   visible, duplicates marked, honest grading.
2. DEFECT LIST: each claimed defect — what, where, first observed, the capture
   or report that shows it, and its status (open / corrected by them /
   corrected by third party at my cost).
3. THIRD-PARTY RECORD: every professional who touched or assessed the work —
   trade, what they found (their words, from their invoice/report/message),
   what correction cost. Ask any professional whose findings exist only
   verbally to put them in writing now.
4. ADVERSE ADMISSIONS: sweep their messages for responses to my defect
   reports — everything they conceded, offered to redo, or did not dispute
   when itemized to them. Quote exactly, with dates. An itemized complaint
   answered by "we can come back and change that" is an exhibit.
After this step

If work is ongoing or the site is changing, photograph systematically NOW — wide shots for context, close-ups for defects, one sweep per area — before weather, other trades, or their return crew changes the record.

5

Pull the public permit record

Permits and inspections are public. They often contradict the story.

Show the text
Compile the public-records file for my project and contractor:

1. PERMITS: my address's permit history from the city/county portal — permit
   numbers, scope as written, issue dates, status, and the inspection record:
   what passed, what failed, what was never called for. Screenshot with dates;
   note the portal URL and pull date on each capture.
2. WHO PULLED WHAT: which permits were pulled by the contractor vs. by me as
   owner, and whether performed work matches permitted scope. If any work that
   required a permit has none, note it factually — and flag it for counsel
   BEFORE it is used anywhere, since permit gaps can cut both ways.
3. LICENSE & REGISTRATION: the contractor's license/registration status in my
   state and city, exactly as the registry shows it, with any conditions or
   disciplinary history.
4. BOND & INSURANCE: any contractor bond on file (bond claims are a real
   recovery path), and the certificate of insurance if I have one.
5. COMPLAINT HISTORY: license-board or consumer-agency complaint records
   available publicly or by records request; court dockets in my county for
   the contractor's business names.

Every item: source, pull date, and the capture as an exhibit. State only what
each record shows.
After this step

Diary a re-pull the week anything is filed — statuses change, and "permit EXPIRED, no inspections passed, as of <date>" must be current when cited.

6

Write the demand letter

A factual letter stating what you paid, what you got, and what you want.

Show the text
Draft the demand letter from the bundle. Requirements:

- One page if possible. Facts, dates, and numbers only — every one asserted
  against the ledger.
- Recite the spine in four or five sentences: contract and price; what was
  paid; the specific scope never begun / the specific defects (whichever this
  demand addresses); the promise record in one sentence with one verbatim
  quote at most.
- THE DEMAND: the exact number and what it is (e.g. return of the deposit
  paid toward scope never commenced); the payment method; the deadline
  (a real date, 7–14 days).
- THE RESERVATION: all other claims — defects, corrective costs, financing
  costs, statutory claims — expressly reserved, not waived, not discussed.
- The consequence sentence: absent payment by the deadline, I will pursue
  available remedies without further notice. No threats beyond that; no
  adjectives anywhere.
- Check my state's right-to-cure / home-repair statute first and tell me if
  this letter must take a specific statutory form or precede suit by a set
  period.

Also produce the delivery plan: certified mail + email, and the proof-of-
delivery record for the bundle (tracking, read receipts).
After this step

Calendar the deadline. Silence or a new promise without payment is itself the next entry in the promise ledger — and the trigger for prompt 09.

7

Build the packet

Two versions — a short one to send, a complete one for a lawyer.

Show the text
Build BOTH packets from the same bundle, clearly marked:

**FULL PACKET — RETAINED COUNSEL ONLY.** Everything: contract anatomy, ledgers
with the conflicts section, promise timeline, work record, public records,
adverse admissions, all correspondence — plus the counsel-only sections: my
own bad facts (statements made to keep the project alive, permit
irregularities on any scope, cash payments), settlement-relevant context, and
open questions. Filename and every page header carry the counsel-only marking.

**FACTUAL PACKET — fit to share.** Contract, payment ledger and exposure
table, promise timeline, defect record with third-party reports, public
records, the demand letter and any response. No analysis, no bad-facts
section, no privileged material, nothing characterized. This is what goes to
law-firm intake, the license board, or a small-claims filing.

Mechanics: chronology first, exhibits numbered per the shared scheme, every
computed number asserted, a one-page cover index on each. Verify no
counsel-only content leaks into the factual build — diff the two file lists
and show me.
After this step

When shopping for counsel, send the FACTUAL packet. The FULL packet exists so that the lawyer you retain learns everything in the first meeting instead of the worst deposition.

8

Attack your own case first

Have the assistant argue the contractor's side, then fix what it finds.

Show the text
Attack my complete package from five perspectives, with specific findings:

1. **The contractor's lawyer.** Every payment my ledger can't trace, every
   "defect" without a third-party voice, every place I blended agreed debts
   with contested change orders, and the best paragraph you'd write against
   me — including anything in MY conduct (missed selections, slow responses,
   my own written concessions) you'd lead with.
2. **A small-claims judge with 15 minutes.** Can you find the number, the
   contract, and the promise pattern in one pass? What made you hunt?
3. **A law-firm intake attorney.** Would you take this on contingency or
   hourly? What's amateur? What's missing that you'd ask for first?
4. **The license-board investigator.** Is there conduct here the board acts
   on, stated factually — or does this read as a private money dispute?
5. **Another homeowner using this as a template.** What is specific to my
   case but disguised as method?

Consolidate: fixes-now / decisions-for-me / risks-accepted. Apply, queue,
record.
9

Know your escalation options

Licensing board, bond claim, small claims — what each can actually do.

Show the text
The demand deadline passed. Lay out my ladder with what each rung needs from
the bundle, in order:

1. **License / registration board complaint** — the factual packet's public-
   records and defect sections; what my board can actually do (discipline,
   restitution orders in some states, nothing in others — check mine and say
   which). Decision note for me: this rung can end a small contractor's
   business; it is leverage AND escalation, and once filed it is not mine to
   withdraw quietly.
2. **Bond claim** — if a bond exists (prompt 05), the claim process, its
   deadline, and the packet subset it needs.
3. **Small claims** — my state's ceiling vs. my clean number; venue; filing
   mechanics; the trial folder: contract, exposure table, promise ledger,
   photos, third-party invoices, public records — each one page-flagged for a
   15-minute hearing. If my number exceeds the ceiling: the waive-down
   arithmetic vs. regular court with counsel, stated plainly.
4. **Consumer-protection route** — whether my state's UDAP / home-repair act
   reaches this conduct and what that adds (fee-shifting changes everything —
   check and cite).

For each rung: what it costs, how long it takes, what it forecloses, and what
it preserves. I choose; nothing files without my word.
10

Build a private evidence website

Optional and technical. Rarely needed.

Show the text
Most contractor disputes resolve on the PDF packets — don't build
infrastructure the dispute doesn't need. A password-gated site (the kit in
`site/`, shared across the sibling repos) earns its keep when: the record is
document-heavy (hundreds of photos, long message threads), multiple audiences
need controlled access (your lawyer, a mediator, an adjuster), or you want an
access log showing when the other side's counsel actually reviewed the record.

---

If warranted: build the case homepage from the bundle per the sibling repos'
pattern — abstract, the record in plain language, the exposure table, the
promise timeline as a swimlane strip, the photo grid with full-resolution
originals one click away, public-records section, and the factual packet as a
download. Same rules: every count asserted at build, exhibit numbers matching
the PDF, no external requests, credentials per audience, rotate when the
matter closes. The FULL packet and anything counsel-only NEVER goes on the
site, under any credential.

What a finished one looks like


There is a complete demonstration case file — made up, but the real shape of the result.

See the example

Not legal advice This is a method for organizing your own evidence. It is not a lawyer and cannot tell you whether you will win. Deadlines are real and they vary by state — never take one from here, always check it against the official source. If what you are facing is serious, bring the record you build to a lawyer. That is half of what it is for. Your state bar association and lawhelp.org can point you to free and low-cost help.