Responsive Units
thedaviddias/Front-End-Checklist
A skill your agent uses when reviewing stylesheets, component styles, and responsive behavior related to Use relative units for responsive layouts.
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.
MITAuto-check passed
Install Debt Collector Response
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-response --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/debt-collector-response .claude/skills/debt-collector-response && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .claude/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-responseType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-response --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/debt-collector-response .agents/skills/debt-collector-response && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .agents/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-response --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/debt-collector-response .cursor/skills/debt-collector-response && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .cursor/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/debt-collector-response--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-response --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/debt-collector-response .gemini/skills/debt-collector-response && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .gemini/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-responseInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/debt-collector-response .github/skills/debt-collector-response && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .github/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills debt-collector-response --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/debt-collector-response .opencode/skills/debt-collector-response && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "debt-collector-response" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/debt-collector-response into .opencode/skills/debt-collector-response/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "debt-collector-response", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
debt-collector-response- GitHub stars
- 1.4k
- Token cost
- ~1.2k tokens
- SKILL.md length
- 582 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
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.
- Works in 5 steps: Validate before you pay. Request written… → Know the rules. Collectors face legal… → Mind the statute of limitations. Old… → …
- Asked how to deal with a debt collector
- SKILL.md covers What This Skill Produces, Required Inputs, Framework: Verify First,… and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Debt Collector Response is an agent skill from mohitagw15856/pm-claude-skills. 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…
Its SKILL.md is about 1.2k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked how to deal with a debt collector
- A collection agency is contacting me
- Is this debt real
- Respond to a collections letter
Example prompts
- “/debt-collector-response”
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- Validate before you pay. Request written proof of the debt, the amount, and the collector's authority to collect — never pay on a phone…
- Know the rules. Collectors face legal limits (contact times, harassment, false or threatening claims). Recognizing violations shifts the…
- Mind the statute of limitations. Old debts may be time-barred — but a partial payment or written admission can reset the clock. Don't…
- Communicate in writing. Put key communication in writing, keep copies of everything, and log every call (date, name, what was said).
- Then decide. Once validated, options include dispute (if wrong/not yours), negotiate/settle, or a payment plan — chosen deliberately, not…
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Debt Collector Response loads about 1.2k tokens when it runs. Until then it costs about 147 tokens; SKILL.md has 582 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 582 words, ~1,179 tokens.
Download SKILL.mdSave it as
.claude/skills/debt-collector-response/SKILL.md (or your agent's skills folder).- name
- debt-collector-response
- description
- 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.
Debt Collector Response
Collectors count on people either panicking and paying anything, or ignoring it until it escalates. The right move is neither: make them prove the debt is yours and accurate, know what they legally can and can't do, and be careful not to accidentally admit or restart an old debt. This prepares that response — while being clear it isn't legal advice.
What This Skill Produces
- A debt-validation request — the letter demanding they prove the debt, amount, and their right to collect, before you pay anything
- A rights read — what collectors legally can and can't do (contact limits, harassment, false threats) for your region
- A statute-of-limitations caution — how old the debt is, and how not to accidentally restart the clock (a payment or admission can reset it)
- A communication plan — in writing where possible, what to say and not say, and a record of every contact
- Escalation — how to report violations, and options like disputing, negotiating, or settlement — flagged carefully
Required Inputs
Ask for these if not provided:
- The contact — letter, call, email; the collector's name and what they claim
- The debt — amount, original creditor, and roughly how old
- Is it yours — recognized, unsure, disputed, or possibly not yours/already paid
- What you've done — any payments, promises, or acknowledgments made
- Region — determines rights, limits, and statute of limitations
Framework: Verify First, Protect The Clock
- Validate before you pay. Request written proof of the debt, the amount, and the collector's authority to collect — never pay on a phone demand alone.
- Know the rules. Collectors face legal limits (contact times, harassment, false or threatening claims). Recognizing violations shifts the power back to you.
- Mind the statute of limitations. Old debts may be time-barred — but a partial payment or written admission can reset the clock. Don't acknowledge or pay an old debt without understanding this.
- Communicate in writing. Put key communication in writing, keep copies of everything, and log every call (date, name, what was said).
- Then decide. Once validated, options include dispute (if wrong/not yours), negotiate/settle, or a payment plan — chosen deliberately, not under pressure.
Output Format
Show full SKILL.md (232 more words)Show less
Collections response: [collector] · [amount] · ~[age] · yours? [y/n/unsure]
Step 1 — Validate: send a written debt-validation request (proof, amount, authority). Don't pay until validated. Your rights: [region — contact limits, harassment/false-threat protections]. Clock caution: debt is ~[age]; [note on statute of limitations + don't reset it by paying/admitting]. Communicate: in writing · say [x], avoid [admissions] · log every contact. Then: [dispute if not yours / negotiate / settle / plan] — after validation. If they break the rules: [report to the relevant authority].
Not legal advice. For lawsuits, large sums, or complex disputes, consult a qualified adviser or legal-aid service.
Quality Checks
- Leads with debt validation before any payment
- States region-appropriate collector rules/limits
- Warns that paying/admitting can restart the statute of limitations
- Advises written communication and a contact log
- Presents dispute/negotiate/settle only after validation
- Flags "not legal advice" for serious cases
Anti-Patterns
- Paying immediately on a phone demand without validation.
- Admitting or part-paying an old debt and resetting the clock.
- Communicating only by phone with no record.
- Ignoring it entirely until it escalates to court.
- Treating this as legal advice for a lawsuit-level matter.
Example Trigger Phrases
- "A debt collector is calling about a debt I don't recognize — what do I do?"
- "How do I make a collection agency prove I owe this?"
- "I got a collections letter for an old debt — should I pay it?"
- "Can debt collectors call me at work / threaten me?"
- "Write me a debt validation letter."
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in skills/debt-collector-response of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Debt Collector Response next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Debt Collector Response this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.2k | Automated safety check: Pass | MIT | |
| Responsive Unitsthedaviddias/Front-End-Checklist | 74k | — | ~472 | Automated safety check: Pass | MIT | |
| Ponytail Debt LedgerDietrichGebert/ponytail | 160k | — | ~453 | Automated safety check: Pass | MIT | |
| Brooks Debtsickn33/agentic-awesome-skills | 47k | 1 repos | ~542 | Automated safety check: Pass | MIT | |
| Responsive Designwshobson/agents | 40k | 2 repos | ~498 | Automated safety check: Pass | MIT | |
| Incident Responderdavila7/claude-code-templates | 33k | 7 repos | ~2.6k | Automated safety check: Pass | MIT |
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Questions about Debt Collector Response
What does Debt Collector Response do?
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. Debt Collector Response is an agent skill from mohitagw15856/pm-claude-skills. 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.
When should I use Debt Collector Response?
Debt Collector Response fits situations like: asked how to deal with a debt collector; A collection agency is contacting me; is this debt real; respond to a collections letter.
How do I install Debt Collector Response in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a claude-code`. Or copy the skill folder (skills/debt-collector-response in mohitagw15856/pm-claude-skills) into .claude/skills/debt-collector-response in your project. Claude Code loads it when a task matches its description.
How do I install Debt Collector Response in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a codex`. Or copy the skill folder (skills/debt-collector-response in mohitagw15856/pm-claude-skills) into .agents/skills/debt-collector-response in your project. Codex loads it when a task matches its description.
Can I use Debt Collector Response in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill debt-collector-response -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/debt-collector-response, .gemini/skills/debt-collector-response, .github/skills/debt-collector-response and .opencode/skills/debt-collector-response in your project.
What does Debt Collector Response need to run?
SKILL.md names no scripts, command-line tools or credentials: Debt Collector Response is instructions for the agent only.
Does Debt Collector Response access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Debt Collector Response safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Debt Collector Response use?
Debt Collector Response is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Debt Collector Response use?
About 1.2k tokens (SKILL.md is roughly 4.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Debt Collector Response?
Skills that share tags, products or a category with Debt Collector Response: Responsive Units (thedaviddias/Front-End-Checklist, 74k stars), Ponytail Debt Ledger (DietrichGebert/ponytail, 160k stars), Brooks Debt (sickn33/agentic-awesome-skills, 47k stars) and Responsive Design (wshobson/agents, 40k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Debt Collector Response?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.