{"slug":"mohitagw15856-debt-collector-response","source_name":"mohitagw15856/debt-collector-response","name":"Mohitagw15856/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 p","version":1,"lift":{"pass_rate_delta_pts":13.64,"pass_rate_pct":86.4,"total_cases":22,"passed_cases":19,"tokens_delta_pct":31.4,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-31T03:05:34.203242+00:00"},"skill_score":0.8636,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":13.64,"with_pass_pct":86.4,"without_pass_pct":72.7,"tokens_delta_pct":31.4,"turns_delta_pct":0,"total_cases":22,"cases_aggregated":22,"verdict":"mixed","never_hurt":false,"completed_at":"2026-08-31T03:05:34.203242+00:00","run_id":"39865962-a5db-412f-b06c-2e67e1a57dab","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"17e7a75fd5a882bdc1598287c1aa3cce206d7525b71a8e85b1a346eef2f0c5a2","raw_url":"https://app.decimal.ai/s/mohitagw15856-debt-collector-response/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-debt-collector-response"}