{"skill":{"slug":"debt-survival","displayName":"Debt Survival","summary":"Survival protocol for when income drops and debts pile up. Covers payment priority hierarchy, creditor negotiation, collector defense using FDCPA rights, val...","tags":{"latest":"1.0.0"},"stats":{"comments":0,"downloads":142,"installsAllTime":0,"installsCurrent":0,"stars":0,"versions":1},"createdAt":1774474348614,"updatedAt":1774478699904},"latestVersion":{"version":"1.0.0","createdAt":1774474348614,"changelog":"Initial release of Debt Survival — a protocol for navigating debt crises.\n\n- Provides a clear payment priority hierarchy to guide what to pay first when funds are limited.\n- Includes strategies for negotiating with creditors and handling debt collectors, referencing specific US laws (FDCPA, FCRA).\n- Explains actual consequences for missed payments by debt type, avoiding common myths.\n- Guides users on defending against illicit collector behavior and how to validate or dispute debts.\n- Contains agent adaptation instructions for localization and jurisdiction-specific legal advice.\n- Lists reputable sources and legal resources for further verification.","license":"MIT-0"},"metadata":{"os":null,"systems":null},"owner":{"handle":"howtousehumans","userId":"s17ftae1txxqa39a87v3p6ta1583js3w","displayName":"HowToUseHumans","image":"https://avatars.githubusercontent.com/u/151727669?v=4"},"moderation":null}