# Debt Collector Response

> 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.

## Facts
- Page: https://tashan.sh/capability/skill-mohitagw15856-debt-collector-response
- tashan id: skill:mohitagw15856/debt-collector-response
- Source: https://github.com/mohitagw15856/pm-claude-skills
- Type: skill
- Category: other
- tashan score: not scored (catalogued only — too little public evidence)
- Adoption: 9.0
- Upkeep: 97.0
- Freshness: 94.0
- Evidence coverage: 84% of the inputs this score can use
- Health: active
- Instruction depth: not yet graded
- License: MIT
- Official: no

## Install

```sh
cp -r debt-collector-response ~/.claude/skills/
```

## Security audit
Not scanned. We audit npm-published capabilities; this one has no npm package we can resolve, or has not reached the queue. This is not a clean bill of health.

---
Measured 2026-08-16 by tashan (https://tashan.sh) from public evidence. Scorer s5.