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debt-collector-response

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Respond to a debt collector correctly — know your rights, make them prove the debt, and avoid the mistakes that reset the clock or admit liability. Use when asked how to deal with a debt collector, a collection agency is contacting me, is this debt real, or respond to a collections letter. Produces a validation/proof-of-debt request, a rights-aware read on what collectors can and can't do, guidance on statute-of-limitations and not accidentally restarting it, a communication and record-keeping plan, and escalation if they break the rules. Not legal advice.

plugins/pm-money/skills/debt-collector-response/SKILL.md

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Nov 9, 2026

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Nov 9, 2026
License
MIT

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# Debt Collector Response

Collectors count on people either panicking and paying anything, or ignoring it until it escalates. The right move is neither: make them *prove* the debt is yours and accurate, know what they legally can and can't do, and be careful not to accidentally admit or restart an old debt. This prepares that response — while being clear it isn't legal advice.

## What This Skill Produces

- **A debt-validation request** — the letter demanding they prove the debt, amount, and their right to collect, before you pay anything
- **A rights read** — what collectors legally can and can't do (contact limits, harassment, false threats) for your region
- **A statute-of-limitations caution** — how old the debt is, and how *not* to accidentally restart the clock (a payment or admission can reset it)
- **A communication plan** — in writing where possible, what to say and not say, and a record of every contact
- **Escalation** — how to report violations, and options like disputing, negotiating, or settlement — flagged carefully

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