What do I need to use Debt-Collector Scripts?

The situation; The debt; Your goal; Where.

Is Debt-Collector Scripts free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Debt-Collector Scripts

Q: How do I know the Debt-Collector Scripts output is good?

The skill verifies itself against its own quality checks: Leads with written validation before any payment/promise; Flags the phrases that admit a debt or restart the clock; States harassment limits and illegal tactics; Includes the statute-of-limitations / time-barred check.

🔵 Stable🕐 updated 2026-08-18 🔷 SkillSpec L3 pm-hardship

Handle debt collectors without getting bullied or tricked — what to say, what never to say, and the rights that protect you from harassment and illegal tactics. Use when asked how do I deal with debt collectors, a collector keeps calling, can they do this, or how to respond to a collection notice. Produces ready scripts (request written validation, dispute, cease-contact, set boundaries), the phrases that accidentally restart the clock or admit the debt (and to avoid them), your rights under fair-debt-collection rules (harassment limits, validation, what's illegal), how to check the debt is real and yours, and safe next options — so you deal from a position of rights, not fear. Not legal advice; points to consumer-protection agencies and legal aid.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“A debt collector keeps calling me — what do I say?”“How do I make debt collectors stop harassing me?”“Can they legally do this? What are my rights?”“I got a collection notice — how do I respond?”“How do I dispute a debt I don't think is mine?”

What to give it

▸The situation — calls, letters, a lawsuit threat; how old the debt is

▸The debt — do you recognize it, is the amount right, roughly when it's from

▸Your goal — stop contact, dispute, verify, or arrange to pay what's truly owed

▸Where — region (fair-debt rules and time limits vary)

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Leads with written validation before any payment/promise

✓Flags the phrases that admit a debt or restart the clock

✓States harassment limits and illegal tactics

✓Includes the statute-of-limitations / time-barred check

✓Insists on a paper trail; routes lawsuits to legal aid

⚠️ What it refuses to do

**Paying to make it stop** before validating the debt.

**Admitting or promising** on a pressure call.

**Reviving a time-barred debt** by acknowledging it.

**Handling it all by phone** with no written record.

**Ignoring a lawsuit** instead of getting legal help.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="debt-collector-scripts"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Debt-Collector Scripts is one of 1174 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog