qonto-prescription-guard
Installation
SKILL.md
Qonto Prescription Guard
Every unpaid invoice carries a countdown: once the limitation period (prescription) runs out, the debt is legally unrecoverable in court. This skill finds the countdown on every receivable and tells the user when to act. 100% read-only — zero writes. It is an analysis aid, not legal advice.
Prerequisites
get_organizationfirst → organization country, bank accounts (bank_account_id/ibanneeded later forlist_transactions).- Country-aware: limitation rules are France only. For other Qonto countries (DE, ES, IT, AT, NL, BE, PT…), say so plainly and degrade to an age-of-receivables report (oldest first, amounts at risk by age bucket) with no legal qualification and no invented deadlines.
- Works on any account, empty ones included: no unpaid invoices → say so and stop cleanly.
Embedded French limitation rules (static — no external lookup)
| Situation | Period | Legal basis |
|---|---|---|
| Both parties are businesses (commerçants), or debt arose in the debtor's commercial activity | 5 years | art. L110-4 Code de commerce |
| Professional selling goods/services to a consumer (private individual, non-professional purpose) | 2 years | art. L218-2 Code de la consommation |
| Starting point | Day the creditor knew the facts enabling action — for an invoice, prudently the issue date (conservative; some case law uses due date, which gives more time — never overstate time left) | art. 2224 Code civil |
| Interruption → full period restarts at the act's date | Debtor's acknowledgment of the debt (a partial payment counts as tacit acknowledgment), legal action (summons, injonction de payer), enforcement act | art. 2240–2244 Code civil |
| ⚠️ NOT interruptive | Reminder emails, dunning letters, even a registered mise en demeure — the single most common misconception | settled case law |
Notes to surface when relevant: after interruption a new period of the same duration runs (art. 2231); limitation is a defense the debtor must raise, a judge won't apply it automatically (art. 2247) — but treat the date as the practical death of the claim.