# Debt Collection Agent

> Use when you need an AI-native debt collection workflow that stays compliant and human.

- Skill: `harishkotra/debt-collection-agent` (Agent Skill)
- Install (CLI): `npx skillmds@latest add harishkotra/debt-collection-agent`
- Raw SKILL.md: https://api.skillmd.com/api/skills/harishkotra/debt-collection-agent/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- Author: harishkotra (https://skillmd.com/u/harishkotra)
- Updated: 2026-09-22
- Page: https://skillmd.com/skills/harishkotra/debt-collection-agent

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# Debt Collection Agent
Run AI-native debt collection that is compliant, consistent, and human in tone.

## When to use
- You want to automate collections while keeping it legal and non-hostile.
- You need consistent follow-up across many accounts.

## Procedure
1. Load the accounts and their contact/terms data.
2. Sequence outreach by delinquency stage with appropriate tone.
3. Personalize each message with the actual balance and terms.
4. Offer realistic resolution options; escalate refusal to a human.
5. Log everything for compliance and track recovery.

## Pitfalls
- Compliance is non-negotiable; know the rules for the jurisdiction.
- Tone matters: respectful follow-up outperforms pressure.

## Verification
- Show the staged outreach sequence and recovery results with compliance notes.