# Send Debt Collection Recovery to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- 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.
## Suggested prompts
### New install

```text
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.
```
### Upgrade existing

```text
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.
```
## Machine-readable fields
```json
{
  "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": {
    "downloadUrl": "/downloads/afrexai-debt-collection",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=afrexai-debt-collection",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "README.md",
      "SKILL.md"
    ],
    "downloadMode": "redirect",
    "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."
      ]
    }
  },
  "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"
  }
}
```
## Documentation

### 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?"

### 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

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%

### 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:

PlanDurationInterestMin PaymentBest ForQuick3 months0%33% of balanceGood-faith debtorsStandard6 months5% APR~17% + interestMid-range balancesExtended12 months8% APR~9% + interestLarge balancesHardship18 months0%NegotiatedProven 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)

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

### Bad Debt Write-Off Decision

Write off when ALL of these are true:

Account is 180+ days past due
All collection attempts exhausted (minimum 5 contacts)
Skip tracing returned no viable contact
Amount is below legal action threshold (typically < $5,000)
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

### 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)
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: 1kalin
- Version: 1.0.0
## Source health
- Status: healthy
- Source download looks usable.
- Yavira can redirect you to the upstream package for this source.
- Health scope: source
- Reason: direct_download_ok
- Checked at: 2026-04-30T16:55:25.780Z
- Expires at: 2026-05-07T16:55:25.780Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/afrexai-debt-collection)
- [Send to Agent page](https://openagent3.xyz/skills/afrexai-debt-collection/agent)
- [JSON manifest](https://openagent3.xyz/skills/afrexai-debt-collection/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/afrexai-debt-collection/agent.md)
- [Download page](https://openagent3.xyz/downloads/afrexai-debt-collection)