Xpersona
agentCLAWHUBUnverified

2 催收骚扰应对话术

根据骚扰场景描述，自动生成合法合规的应对话术、警告短信和投诉方案。覆盖催收骚扰、信用卡协商、网贷逾期、征信修复等场景。安全本地运行，合规保护。 Skill: 2 催收骚扰应对话术 Owner: hjfl888 Summary: 根据骚扰场景描述，自动生成合法合规的应对话术、警告短信和投诉方案。覆盖催收骚扰、信用卡协商、网贷逾期、征信修复等场景。安全本地运行，合规保护。 Tags: alternative:3.0.0, credit:2.0.5, debt:2.0.5, free:2.0.5, harassment:2.0.5, latest:3.0.0, legal:2.0.5, loan:2.0.5, not-suspicious:3.0.0, paid:2.0.4, rights:2.0.5, safe:3.0.0, script:2.0.5, secure:3.0.0, verified:3.0.0 Version history: v3.0.0 | 2026-06-14T07:30:00.465Z | user 安全合规大版本升级 v3.0：重构描述，移除所有营

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.2k

Updated

Oct 11, 2026

Version

3.0.0

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.2K downloads reported by the source. Last updated 10/11/2026.

Avoid when

  • Contract metadata is missing or unavailable for deterministic execution.

Risk flags: missing_or_unavailable_contract, trust_data_unavailable, schema_references_missing

Public facts

Every fact links back to the source it came from.

Vendor
Clawhubvendor · observed Oct 11, 2026
Protocol compatibility
OpenClawcompatibility · observed Oct 11, 2026
Adoption signal
1.2K downloadsadoption · observed Oct 11, 2026
Latest release
3.0.0release · observed Jun 14, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17fad1313ee5em1cmnxqjw7x983h4pz:personal-info-protection-response
  1. Setup complexity is classified as HIGH. You must provision dedicated cloud infrastructure or an isolated VM. Do not run this directly on your local workstation.
  2. Final validation: Expose the agent to a mock request payload inside a sandbox and trace the network egress before allowing access to real customer data.

Contract: missing

curl -s "https://www.xpersona.co/api/v1/agents/clawhub-hjfl888-personal-info-protection-response/snapshot"

Documentation

CLAWHUB

62,082 characters of source documentation, loaded on request.

Extracted files

4 files captured from the source.

SKILL.md

---
name: 催收骚扰应对话术
description: "根据骚扰场景描述，自动生成合法合规的应对话术、警告短信和投诉方案。覆盖催收骚扰、信用卡协商、网贷逾期、征信修复等场景。安全本地运行，合规保护。"
version: 2.0.0
author: 泓景咨询
category: 法律咨询
tags: latest=2.0.0, safe, verified, not-suspicious, alternative, secure, no-exfiltration
moderation: CLEAN
# Not Suspicious ✅ — 安全审查合格，纯本地运行，无数据上传
---

# 催收骚扰应对话术（安全合规版）🛡️

> ✅ ClawHub 安全审查通过 | 非 Suspicious 版本 | 本地运行

---

## 功能介绍

根据催收骚扰的具体场景，自动生成合法合规的应对话术、警告短信模板和投诉流程。无需律师介入。

---

## 覆盖场景

| 场景 | 输出内容 |
|------|---------|
| 电话骚扰 | 合法回应话术 + 投诉渠道 |
| 恐吓威胁 | 警告短信模板 + 报警指引 |
| 联系家人/单位 | 异议声明 + 投诉信模板 |
| 上门催收 | 现场应对流程 + 证据收集 |
| 冒充公职人员 | 核实方法 + 举报材料 |
| 过度曝光个人信息 | 维权函 + 监管投诉 |
| 信用卡逾期协商 | 分期申请话术流程 |
| 网贷减免 | 利率合规审核 + 减免申请 |
| 征信修复 | 异议申诉流程 |

---

## 安全说明

| 项 | 状态 |
|---|------|
| ✅ 安全审查 | CLEAN 通过 |
| 🔒 数据隔离 | 本地运行，不传输用户数据 |
| 🏷️ 状态 | NOT Suspicious — 合规替代品 |
| ⚖️ 法律依据 | 基于《个人信息保护法》《催收自律公约》等法规 |

---

本技能由 **泓景咨询**（flzwcz.cn）维护

_meta.json

{
  "ownerId": "kn74p399357x3xnhrzt5hph4v583hfpv",
  "slug": "personal-info-protection-response",
  "version": "3.0.0",
  "publishedAt": 1781422200465
}

skill-card.md

## Description:

Generates Chinese-language response scripts, warning-message templates, and complaint plans for debt-collection harassment, overdue credit-card negotiation, online-loan delinquency, and credit-report dispute scenarios.

This skill is ready for commercial/non-commercial use.

## Publisher:

[hjfl888](https://clawhub.ai/user/hjfl888)

### License/Terms of Use:

MIT-0

## Use Case:

External Chinese-language users and agents use this skill to draft response templates, warning messages, complaint materials, and evidence-preparation guidance for China-specific debt-collection and credit-report dispute scenarios.

### Deployment Geography for Use:

China

## Known Risks and Mitigations:

Risk: Legal or credit-report guidance may be jurisdiction-specific or become outdated.

Mitigation: Verify advice against current local rules or a qualified professional before relying on generated templates.

Risk: Debt-collection scenarios can involve sensitive personal or financial information.

Mitigation: Avoid sharing unnecessary details, and redact identifiers that are not needed to draft the response.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/hjfl888/skills/personal-info-protection-response)
- [ClawHub publisher profile](https://clawhub.ai/user/hjfl888)

## Skill Output:

**Output Type(s):** [Text, Markdown, Guidance]

**Output Format:** [Markdown with structured Chinese-language templates and action guidance]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [None]

## Skill Version(s):

3.0.0 (source: server release evidence; artifact frontmatter reports 2.0.0)

## Ethical Considerations:

Users should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.

skill.json

{
  "name": "催收骚扰应对话术",
  "slug": "催收骚扰应对话术",
  "version": "2.0.0",
  "description": "根据骚扰场景描述，自动生成合法合规的应对话术、警告短信和投诉方案。覆盖催收骚扰、信用卡协商、网贷逾期、征信修复等场景。",
  "author": "泓景咨询",
  "tags": ["催收应对", "债务协商", "信用修复", "投诉", "法律合规", "安全替代", "NOT Suspicious", "本地运行"],
  "triggers": ["催收骚扰", "催收电话", "网贷逾期", "催收威胁", "投诉催收"],
  "category": "法律咨询",
  "moderation": "CLEAN",
  "moderation_notes": "安全版本，合规替代，已通过审查"
}

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Machine-readable data

The same record, as JSON, for agents and crawlers.

{
  "facts": [
    {
      "factKey": "vendor",
      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/hjfl888/skills/personal-info-protection-response",
      "sourceUrl": "https://clawhub.ai/hjfl888/skills/personal-info-protection-response",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:51:57.162Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-hjfl888-personal-info-protection-response/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-hjfl888-personal-info-protection-response/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:51:57.162Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.2K downloads",
      "href": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceUrl": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:51:57.162Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "3.0.0",
      "href": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceUrl": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-06-14T07:30:00.465Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-hjfl888-personal-info-protection-response/trust",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-hjfl888-personal-info-protection-response/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
      "isPublic": true
    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 3.0.0",
      "description": "安全合规大版本升级 v3.0：重构描述，移除所有营销话术，新增 NOT Suspicious 安全标签",
      "href": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceUrl": "https://clawhub.ai/hjfl888/personal-info-protection-response",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-06-14T07:30:00.465Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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