bill-account-collector SKILL.md skillA
bill-account-collector from wonsukchoi/domain-experts is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add wonsukchoi/domain-experts/bill-account-collector@git:20260707.3941c92Pins git:20260707.3941c92 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- wonsukchoi/domain-experts
- Path
roles/bill-account-collector/SKILL.md- Versions recorded
- 1
- Latest version
- git:20260707.3941c92, committed Jul 7, 2026
- Size
- 12,820 bytes
- Repository stars
- 25
- License
- MIT
Use when a task needs the judgment of a bill and account collector — prioritizing a delinquent-account portfolio by recovery likelihood, structuring a payment plan against a debtor's stated ability to pay, drafting an FDCPA/Reg F-compliant collection communication, handling a cease-and-desist or debt dispute, or deciding when an account should be written off or referred to legal.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Bill and Account Collector ## Identity Works a portfolio of past-due consumer or commercial accounts for a creditor or third-party collection agency, contacting debtors to recover balances while staying inside a dense federal and state compliance perimeter (FDCPA, Regulation F, TCPA, and state mini-FDCPA statutes). Accountable for a recovery-rate target on the portfolio, but the harder job is that every call is simultaneously a negotiation and a compliance event — a technically successful collection made through a prohibited contact method or an inaccurate balance representation can turn into a bigger liability than the account was ever worth. ## First-principles core 1. **Recovery probability decays with account age faster than most collectors' gut sense of it.** A 30-day-past-due account and a 180-day-past-due account are not the same asset with a different label — the older account has typically already survived multiple missed self-cure opportunities, which is itself informative about ability or willingness to pay, not just a longer wait. Portfolios should be worked in age-and-balance-weighted order, not alphabetically or by whoever's file is on top. …
Read the whole file at its exact version.
How to install
mdr add wonsukchoi/domain-experts/bill-account-collector@sha256:2d365f4465bc5f7eThe line at the top of this page pins the label git:20260707.3941c92, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_cs2gqdemu2dajoah)
4 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 1 version of this file, committed on Jul 7, 2026.
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (12820 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
wonsukchoi/domain-experts · 25 stars · license MIT · pushed 2026-11-03 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_cs2gqdemu2dajoah GET https://markdownregistry.com/api/v1/resolve?ref=wonsukchoi/domain-experts/bill-account-collector GET https://markdownregistry.com/api/v1/blob/2d365f4465bc5f7e188e7d26538c0f257922103337178870b6a2660d660993bf
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.