Debt Collection Recovery

Generates compliant debt recovery strategies, collection letter sequences, payment plans with interest, aging analyses, skip tracing, statute mapping, and wr...

Security Scan

The skill is an instruction-only playbook for debt collection that contains templates, checklists, and calculators and does not request credentials, install software, or perform hidden actions—its requirements and behavior align with its stated purpose.

Purpose & Capability

Name/description (debt collection/recovery playbook) match the SKILL.md content: letter templates, aging analysis, payment plans, statute mapping and write-off rules. No unrelated credentials, binaries, or installs are requested.

Instruction Scope

Instructions and templates stay within the debt-collection domain. The SKILL.md includes skip-tracing checklists and state statute summaries; while domain-appropriate, skip tracing can involve handling personal data and statute summaries should be independently verified for accuracy—the file also contains upsell links to external paid context packs.

Install Mechanism

Instruction-only skill with no install spec and no code files, so nothing is written to disk or downloaded during install.

Credentials

The skill requests no environment variables, credentials, or config paths—proportional to an instruction-only playbook.

Persistence & Privilege

The skill does not request always:true, does not modify other skills, and has no install behavior. It can be invoked by agents normally, which is expected for a skill of this type.

Assessment

This skill is internally consistent and low technical risk because it is instruction-only and requests no credentials. Before using it in production: (1) verify the statute-of-limitations numbers and FDCPA guidance with current, authoritative legal sources or counsel (the playbook may be outdated or incomplete); (2) be cautious with skip-tracing—it can involve sensitive personal data and local privacy rules; (3) review any outbound links or paid 'context packs' before entering payment or business data; and (4) if you will automate sending collection communications, implement safeguards to avoid improper/illegal messaging (time-of-day limits, dispute-handling, recordkeeping).

Debt Collection & Recovery Playbook

Generate compliant debt recovery strategies, collection letter sequences, and payment plan frameworks.

What This Does

• Creates FDCPA/FCA-compliant collection letter sequences (initial notice → escalation → final demand)
• Builds payment plan calculators with interest modeling
• Generates aging bucket analysis with priority scoring
• Produces skip tracing checklists and debtor communication scripts
• Maps state-by-state statute of limitations
• Creates bad debt write-off decision frameworks

How To Use

Tell the agent what you need:

• "Generate a 5-letter collection sequence for B2B invoices"
• "Build a payment plan for $47,000 over 12 months at 8% APR"
• "Create an aging analysis for our receivables"
• "What's the statute of limitations for debt in California?"

Collection Letter Sequence

Letter 1 — Friendly Reminder (Day 1-7 past due)

Subject: Invoice [#] — Payment Reminder

Quick note — invoice [#] for [amount] was due on [date]. Sometimes things slip through. If already sent, disregard.

Payment options: [link/details]

Letter 2 — Firm Follow-Up (Day 15-21)

Subject: Invoice [#] — Second Notice

Following up on invoice [#] for [amount], now [X] days past due. Please arrange payment by [date] to avoid late fees per our agreement.

Letter 3 — Escalation Notice (Day 30-45)

Subject: Invoice [#] — Action Required

Invoice [#] for [amount] is now [X] days overdue. Per our terms, a [X]% late fee of [amount] has been applied. Total now due: [amount].

If we don't receive payment by [date], we'll need to escalate this matter.

Letter 4 — Pre-Collection (Day 60)

Subject: Invoice [#] — Final Notice Before Collection Action

This is formal notice that invoice [#] totaling [amount] remains unpaid after [X] days. Without payment by [date], this account will be referred to our collection partner.

This may affect your business credit rating.

Letter 5 — Final Demand (Day 75-90)

Subject: Invoice [#] — Final Demand

Final notice. Invoice [#] for [amount] will be referred to [collection agency/legal counsel] on [date] if not resolved. Contact us immediately to discuss resolution options.

Aging Bucket Analysis

Bucket	Days	Priority	Action	Expected Recovery
Current	0-30	Low	Auto-reminder	95-98%
31-60	31-60	Medium	Phone + email	85-90%
61-90	61-90	High	Escalation letter	70-75%
91-120	91-120	Critical	Collection agency	40-50%
120+	120+	Write-off review	Legal/write-off	15-25%

Priority Score Formula

Score = (Amount × 0.4) + (Days Overdue × 0.3) + (Customer Value × 0.2) + (Payment History × 0.1)

• Score > 80: Immediate personal outreach
• Score 50-80: Escalation sequence
• Score < 50: Standard auto-sequence

Payment Plan Framework

For debts over $5,000, offer structured plans:

Plan	Duration	Interest	Min Payment	Best For
Quick	3 months	0%	33% of balance	Good-faith debtors
Standard	6 months	5% APR	~17% + interest	Mid-range balances
Extended	12 months	8% APR	~9% + interest	Large balances
Hardship	18 months	0%	Negotiated	Proven inability to pay

FDCPA Compliance Checklist (US)

• Initial validation notice sent within 5 days of first contact
• Debtor's right to dispute within 30 days clearly stated
• No contact before 8 AM or after 9 PM local time
• No contact at workplace if debtor objects
• No threats of actions you can't/won't take
• No misrepresentation of amount owed
• No harassment, oppression, or abuse
• Cease communication upon written request (except legal notices)
• Mini-Miranda warning included in all communications

Statute of Limitations by State (Top 10)

State	Written Contract	Oral Contract	Open Account
California	4 years	2 years	4 years
New York	6 years	6 years	6 years
Texas	4 years	4 years	4 years
Florida	5 years	4 years	4 years
Illinois	10 years	5 years	5 years
Pennsylvania	4 years	4 years	4 years
Ohio	8 years	6 years	6 years
Georgia	6 years	4 years	4 years
Michigan	6 years	6 years	6 years
North Carolina	3 years	3 years	3 years

Bad Debt Write-Off Decision

Write off when ALL of these are true:

1. Account is 180+ days past due
2. All collection attempts exhausted (minimum 5 contacts)
3. Skip tracing returned no viable contact
4. Amount is below legal action threshold (typically < $5,000)
5. Cost of recovery exceeds expected recovery amount

ROI of Professional Collections

• In-house collection cost: $15-25 per account
• Agency contingency: 25-50% of recovered amount
• Legal action: $500-2,000 per case + court fees
• Break-even: Agency makes sense when balance > $1,000 and account is 90+ days

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Take It Further

This skill gives you the collection framework. For full industry-specific automation — including AI-powered payment reminders, predictive churn scoring, and automated escalation workflows:

• AI Context Packs — $47/pack, 10 industries covered
• AI Revenue Leak Calculator — Find where you're losing money
• Agent Setup Wizard — Deploy your first AI agent in 15 minutes

Bundle Deals

• Pick 3 Packs — $97 (save $44)
• All 10 Packs — $197 (save $273)
• Everything Bundle — $247 (all packs + playbook + setup wizard)