{ "schemaVersion": "1.0", "item": { "slug": "afrexai-debt-collection", "name": "Debt Collection Recovery", "source": "tencent", "type": "skill", "category": "AI 智能", "sourceUrl": "https://clawhub.ai/1kalin/afrexai-debt-collection", "canonicalUrl": "https://clawhub.ai/1kalin/afrexai-debt-collection", "targetPlatform": "OpenClaw" }, "install": { "downloadMode": "redirect", "downloadUrl": "/downloads/afrexai-debt-collection", "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-debt-collection", "sourcePlatform": "tencent", "targetPlatform": "OpenClaw", "installMethod": "Manual import", "extraction": "Extract archive", "prerequisites": [ "OpenClaw" ], "packageFormat": "ZIP package", "includedAssets": [ "README.md", "SKILL.md" ], "primaryDoc": "SKILL.md", "quickSetup": [ "Download the package from Yavira.", "Extract the archive and review SKILL.md first.", "Import or place the package into your OpenClaw setup." ], "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "sourceHealth": { "source": "tencent", "status": "healthy", "reason": "direct_download_ok", "recommendedAction": "download", "checkedAt": "2026-04-30T16:55:25.780Z", "expiresAt": "2026-05-07T16:55:25.780Z", "httpStatus": 200, "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentType": "application/zip", "probeMethod": "head", "details": { "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=network", "contentDisposition": "attachment; filename=\"network-1.0.0.zip\"", "redirectLocation": null, "bodySnippet": null }, "scope": "source", "summary": "Source download looks usable.", "detail": "Yavira can redirect you to the upstream package for this source.", "primaryActionLabel": "Download for OpenClaw", "primaryActionHref": "/downloads/afrexai-debt-collection" }, "validation": { "installChecklist": [ "Use the Yavira download entry.", "Review SKILL.md after the package is downloaded.", "Confirm the extracted package contains the expected setup assets." ], "postInstallChecks": [ "Confirm the extracted package includes the expected docs or setup files.", "Validate the skill or prompts are available in your target agent workspace.", "Capture any manual follow-up steps the agent could not complete." ] }, "downloadPageUrl": "https://openagent3.xyz/downloads/afrexai-debt-collection", "agentPageUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent.md" }, "agentAssist": { "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.", "steps": [ "Download the package from Yavira.", "Extract it into a folder your agent can access.", "Paste one of the prompts below and point your agent at the extracted folder." ], "prompts": [ { "label": "New install", "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Then review README.md for any prerequisites, environment setup, or post-install checks. Tell me what you changed and call out any manual steps you could not complete." }, { "label": "Upgrade existing", "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Then review README.md for any prerequisites, environment setup, or post-install checks. Summarize what changed and any follow-up checks I should run." } ] }, "documentation": { "source": "clawhub", "primaryDoc": "SKILL.md", "sections": [ { "title": "Debt Collection & Recovery Playbook", "body": "Generate compliant debt recovery strategies, collection letter sequences, and payment plan frameworks." }, { "title": "What This Does", "body": "Creates FDCPA/FCA-compliant collection letter sequences (initial notice → escalation → final demand)\nBuilds payment plan calculators with interest modeling\nGenerates aging bucket analysis with priority scoring\nProduces skip tracing checklists and debtor communication scripts\nMaps state-by-state statute of limitations\nCreates bad debt write-off decision frameworks" }, { "title": "How To Use", "body": "Tell the agent what you need:\n\n\"Generate a 5-letter collection sequence for B2B invoices\"\n\"Build a payment plan for $47,000 over 12 months at 8% APR\"\n\"Create an aging analysis for our receivables\"\n\"What's the statute of limitations for debt in California?\"" }, { "title": "Letter 1 — Friendly Reminder (Day 1-7 past due)", "body": "Subject: Invoice [#] — Payment Reminder\n\nQuick note — invoice [#] for [amount] was due on [date]. Sometimes things slip through. If already sent, disregard.\n\nPayment options: [link/details]" }, { "title": "Letter 2 — Firm Follow-Up (Day 15-21)", "body": "Subject: Invoice [#] — Second Notice\n\nFollowing up on invoice [#] for [amount], now [X] days past due. Please arrange payment by [date] to avoid late fees per our agreement." }, { "title": "Letter 3 — Escalation Notice (Day 30-45)", "body": "Subject: Invoice [#] — Action Required\n\nInvoice [#] for [amount] is now [X] days overdue. Per our terms, a [X]% late fee of [amount] has been applied. Total now due: [amount].\n\nIf we don't receive payment by [date], we'll need to escalate this matter." }, { "title": "Letter 4 — Pre-Collection (Day 60)", "body": "Subject: Invoice [#] — Final Notice Before Collection Action\n\nThis 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.\n\nThis may affect your business credit rating." }, { "title": "Letter 5 — Final Demand (Day 75-90)", "body": "Subject: Invoice [#] — Final Demand\n\nFinal notice. Invoice [#] for [amount] will be referred to [collection agency/legal counsel] on [date] if not resolved. Contact us immediately to discuss resolution options." }, { "title": "Aging Bucket Analysis", "body": "BucketDaysPriorityActionExpected RecoveryCurrent0-30LowAuto-reminder95-98%31-6031-60MediumPhone + email85-90%61-9061-90HighEscalation letter70-75%91-12091-120CriticalCollection agency40-50%120+120+Write-off reviewLegal/write-off15-25%" }, { "title": "Priority Score Formula", "body": "Score = (Amount × 0.4) + (Days Overdue × 0.3) + (Customer Value × 0.2) + (Payment History × 0.1)\n\nScore > 80: Immediate personal outreach\nScore 50-80: Escalation sequence\nScore < 50: Standard auto-sequence" }, { "title": "Payment Plan Framework", "body": "For debts over $5,000, offer structured plans:\n\nPlanDurationInterestMin PaymentBest ForQuick3 months0%33% of balanceGood-faith debtorsStandard6 months5% APR~17% + interestMid-range balancesExtended12 months8% APR~9% + interestLarge balancesHardship18 months0%NegotiatedProven inability to pay" }, { "title": "FDCPA Compliance Checklist (US)", "body": "Initial validation notice sent within 5 days of first contact\n Debtor's right to dispute within 30 days clearly stated\n No contact before 8 AM or after 9 PM local time\n No contact at workplace if debtor objects\n No threats of actions you can't/won't take\n No misrepresentation of amount owed\n No harassment, oppression, or abuse\n Cease communication upon written request (except legal notices)\n Mini-Miranda warning included in all communications" }, { "title": "Statute of Limitations by State (Top 10)", "body": "StateWritten ContractOral ContractOpen AccountCalifornia4 years2 years4 yearsNew York6 years6 years6 yearsTexas4 years4 years4 yearsFlorida5 years4 years4 yearsIllinois10 years5 years5 yearsPennsylvania4 years4 years4 yearsOhio8 years6 years6 yearsGeorgia6 years4 years4 yearsMichigan6 years6 years6 yearsNorth Carolina3 years3 years3 years" }, { "title": "Bad Debt Write-Off Decision", "body": "Write off when ALL of these are true:\n\nAccount is 180+ days past due\nAll collection attempts exhausted (minimum 5 contacts)\nSkip tracing returned no viable contact\nAmount is below legal action threshold (typically < $5,000)\nCost of recovery exceeds expected recovery amount" }, { "title": "ROI of Professional Collections", "body": "In-house collection cost: $15-25 per account\nAgency contingency: 25-50% of recovered amount\nLegal action: $500-2,000 per case + court fees\nBreak-even: Agency makes sense when balance > $1,000 and account is 90+ days" }, { "title": "Take It Further", "body": "This skill gives you the collection framework. For full industry-specific automation — including AI-powered payment reminders, predictive churn scoring, and automated escalation workflows:\n\nAI Context Packs — $47/pack, 10 industries covered\nAI Revenue Leak Calculator — Find where you're losing money\nAgent Setup Wizard — Deploy your first AI agent in 15 minutes" }, { "title": "Bundle Deals", "body": "Pick 3 Packs — $97 (save $44)\nAll 10 Packs — $197 (save $273)\nEverything Bundle — $247 (all packs + playbook + setup wizard)" } ], "body": "Debt Collection & Recovery Playbook\n\nGenerate compliant debt recovery strategies, collection letter sequences, and payment plan frameworks.\n\nWhat This Does\nCreates FDCPA/FCA-compliant collection letter sequences (initial notice → escalation → final demand)\nBuilds payment plan calculators with interest modeling\nGenerates aging bucket analysis with priority scoring\nProduces skip tracing checklists and debtor communication scripts\nMaps state-by-state statute of limitations\nCreates bad debt write-off decision frameworks\nHow To Use\n\nTell the agent what you need:\n\n\"Generate a 5-letter collection sequence for B2B invoices\"\n\"Build a payment plan for $47,000 over 12 months at 8% APR\"\n\"Create an aging analysis for our receivables\"\n\"What's the statute of limitations for debt in California?\"\nCollection Letter Sequence\nLetter 1 — Friendly Reminder (Day 1-7 past due)\n\nSubject: Invoice [#] — Payment Reminder\n\nQuick note — invoice [#] for [amount] was due on [date]. Sometimes things slip through. If already sent, disregard.\n\nPayment options: [link/details]\n\nLetter 2 — Firm Follow-Up (Day 15-21)\n\nSubject: Invoice [#] — Second Notice\n\nFollowing up on invoice [#] for [amount], now [X] days past due. Please arrange payment by [date] to avoid late fees per our agreement.\n\nLetter 3 — Escalation Notice (Day 30-45)\n\nSubject: Invoice [#] — Action Required\n\nInvoice [#] for [amount] is now [X] days overdue. Per our terms, a [X]% late fee of [amount] has been applied. Total now due: [amount].\n\nIf we don't receive payment by [date], we'll need to escalate this matter.\n\nLetter 4 — Pre-Collection (Day 60)\n\nSubject: Invoice [#] — Final Notice Before Collection Action\n\nThis 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.\n\nThis may affect your business credit rating.\n\nLetter 5 — Final Demand (Day 75-90)\n\nSubject: Invoice [#] — Final Demand\n\nFinal notice. Invoice [#] for [amount] will be referred to [collection agency/legal counsel] on [date] if not resolved. Contact us immediately to discuss resolution options.\n\nAging Bucket Analysis\nBucket\tDays\tPriority\tAction\tExpected Recovery\nCurrent\t0-30\tLow\tAuto-reminder\t95-98%\n31-60\t31-60\tMedium\tPhone + email\t85-90%\n61-90\t61-90\tHigh\tEscalation letter\t70-75%\n91-120\t91-120\tCritical\tCollection agency\t40-50%\n120+\t120+\tWrite-off review\tLegal/write-off\t15-25%\nPriority Score Formula\n\nScore = (Amount × 0.4) + (Days Overdue × 0.3) + (Customer Value × 0.2) + (Payment History × 0.1)\n\nScore > 80: Immediate personal outreach\nScore 50-80: Escalation sequence\nScore < 50: Standard auto-sequence\nPayment Plan Framework\n\nFor debts over $5,000, offer structured plans:\n\nPlan\tDuration\tInterest\tMin Payment\tBest For\nQuick\t3 months\t0%\t33% of balance\tGood-faith debtors\nStandard\t6 months\t5% APR\t~17% + interest\tMid-range balances\nExtended\t12 months\t8% APR\t~9% + interest\tLarge balances\nHardship\t18 months\t0%\tNegotiated\tProven inability to pay\nFDCPA Compliance Checklist (US)\n Initial validation notice sent within 5 days of first contact\n Debtor's right to dispute within 30 days clearly stated\n No contact before 8 AM or after 9 PM local time\n No contact at workplace if debtor objects\n No threats of actions you can't/won't take\n No misrepresentation of amount owed\n No harassment, oppression, or abuse\n Cease communication upon written request (except legal notices)\n Mini-Miranda warning included in all communications\nStatute of Limitations by State (Top 10)\nState\tWritten Contract\tOral Contract\tOpen Account\nCalifornia\t4 years\t2 years\t4 years\nNew York\t6 years\t6 years\t6 years\nTexas\t4 years\t4 years\t4 years\nFlorida\t5 years\t4 years\t4 years\nIllinois\t10 years\t5 years\t5 years\nPennsylvania\t4 years\t4 years\t4 years\nOhio\t8 years\t6 years\t6 years\nGeorgia\t6 years\t4 years\t4 years\nMichigan\t6 years\t6 years\t6 years\nNorth Carolina\t3 years\t3 years\t3 years\nBad Debt Write-Off Decision\n\nWrite off when ALL of these are true:\n\nAccount is 180+ days past due\nAll collection attempts exhausted (minimum 5 contacts)\nSkip tracing returned no viable contact\nAmount is below legal action threshold (typically < $5,000)\nCost of recovery exceeds expected recovery amount\nROI of Professional Collections\nIn-house collection cost: $15-25 per account\nAgency contingency: 25-50% of recovered amount\nLegal action: $500-2,000 per case + court fees\nBreak-even: Agency makes sense when balance > $1,000 and account is 90+ days\nTake It Further\n\nThis skill gives you the collection framework. For full industry-specific automation — including AI-powered payment reminders, predictive churn scoring, and automated escalation workflows:\n\nAI Context Packs — $47/pack, 10 industries covered\nAI Revenue Leak Calculator — Find where you're losing money\nAgent Setup Wizard — Deploy your first AI agent in 15 minutes\nBundle Deals\nPick 3 Packs — $97 (save $44)\nAll 10 Packs — $197 (save $273)\nEverything Bundle — $247 (all packs + playbook + setup wizard)" }, "trust": { "sourceLabel": "tencent", "provenanceUrl": "https://clawhub.ai/1kalin/afrexai-debt-collection", "publisherUrl": "https://clawhub.ai/1kalin/afrexai-debt-collection", "owner": "1kalin", "version": "1.0.0", "license": null, "verificationStatus": "Indexed source record" }, "links": { "detailUrl": "https://openagent3.xyz/skills/afrexai-debt-collection", "downloadUrl": "https://openagent3.xyz/downloads/afrexai-debt-collection", "agentUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent", "manifestUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent.json", "briefUrl": "https://openagent3.xyz/skills/afrexai-debt-collection/agent.md" } }