Skill: 1kalin/afrexai-debt-collection (version 1.0.0)

# 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?" ## Collection Letter Sequence ### 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 | Bucket | Days | Priority | Action | Expected Recovery | |--------|------|----------|--------|-------------------| | Current | 0-30 | Low | Auto-reminder | 95-98% | | 31-60 | 31-60 | Medium | Phone + email | 85-90% | | 61-90 | 61-90 | High | Escalation letter | 70-75% | | 91-120 | 91-120 | Critical | Collection agency | 40-50% | | 120+ | 120+ | Write-off review | Legal/write-off | 15-25% | ## 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: | Plan | Duration | Interest | Min Payment | Best For | |------|----------|----------|-------------|----------| | Quick | 3 months | 0% | 33% of balance | Good-faith debtors | | Standard | 6 months | 5% APR | ~17% + interest | Mid-range balances | | Extended | 12 months | 8% APR | ~9% + interest | Large balances | | Hardship | 18 months | 0% | Negotiated | Proven 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) | State | Written Contract | Oral Contract | Open Account | |-------|-----------------|---------------|--------------| | California | 4 years | 2 years | 4 years | | New York | 6 years | 6 years | 6 years | | Texas | 4 years | 4 years | 4 years | | Florida | 5 years | 4 years | 4 years | | Illinois | 10 years | 5 years | 5 years | | Pennsylvania | 4 years | 4 years | 4 years | | Ohio | 8 years | 6 years | 6 years | | Georgia | 6 years | 4 years | 4 years | | Michigan | 6 years | 6 years | 6 years | | North Carolina | 3 years | 3 years | 3 years | ## Bad Debt Write-Off Decision Write off when ALL of these are true: 1. Account is 180+ days past due 2. All collection attempts exhausted (minimum 5 contacts) 3. Skip tracing returned no viable contact 4. Amount is below legal action threshold (typically < $5,000) 5. 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](https://afrexai-cto.github.io/context-packs/)** — $47/pack, 10 industries covered - **[AI Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/)** — Find where you're losing money - **[Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/)** — 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)


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