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debt-survival

separate

Survival protocol for when income drops and debts pile up. Covers payment priority hierarchy, creditor negotiation, collector defense using FDCPA rights, validation letters, statute of limitations, settlement strategies, and what actually happens if you stop paying.

When to use

• User's income just dropped (layoff, hours cut, disability, divorce) and they can't cover their bills
• User is behind on payments and doesn't know what to prioritize
• Debt collectors are calling and the user doesn't know their rights
• User is considering not paying something and wants to know the real consequences
• User has old debt resurfacing and doesn't know if they still owe it
• User is being sued for a debt

When not to use

• debt optimization for credit score improvement

Skill page

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