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debt-collector-scripts

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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. Not legal advice; points to legal aid.

plugins/pm-hardship/skills/debt-collector-scripts/SKILL.md

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Nov 10, 2026
License
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# Debt-Collector Scripts

Collectors count on fear and confusion — pressure to pay now, admit the debt, or agree to things you shouldn't. You have more rights than they let on. This arms you: exact scripts (demand written validation, dispute, set boundaries, or stop contact), the phrases that accidentally admit a debt or restart the clock, and the fair-debt rules that make harassment and many tactics illegal — so you respond from rights, not panic.

## What This Skill Produces

- **Ready scripts** — to request written debt validation, dispute a debt, set contact boundaries, or send a cease-contact request (phone and letter versions)
- **The danger phrases** — the words that can restart the statute-of-limitations clock or count as admitting the debt, and safe alternatives
- **Your rights** — under fair-debt-collection rules: harassment limits (times, frequency, threats), the right to validation, and what collectors legally cannot do
- **A "is this debt even valid?" check** — confirm it's real, yours, the right amount, and not time-barred before paying anything
- **Safe next options** — validation-first, dispute, payment plan (in writing), or routing to help — never a panic payment
- **A paper-trail rule** — putting things in writing and keeping records, because your records are your protection

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