Getting Out of Debt Pack
6 prompts and 2 skills for getting out of debt — each one a real job from the week, with the steps, rules and output an expert would ask for. Fill in the blanks and paste them into ChatGPT, Claude or Gemini, or tailor any of them to your brand in the Studio.
What’s in the pack
- Debt List and Payoff Order — Snowball or Avalanche for My NumbersLays out every debt in one table, compares snowball and avalanche payoff orders using your real balances and rates, and picks the order you are most likely to stick with.Plan
- Income and Expenditure Statement for Creditors and Debt AdvisersBuilds a clear, honest income and expenditure statement that creditors and debt advisers accept, showing the true amount available for repayment and splitting it fairly between lenders.Plan
- Reply to a Debt Collection Letter — Check It and Request ProofHelps you read a debt collector's letter calmly, check whether the debt is really yours and correct, and write a written reply asking for proof before paying anything.Plan
- Prepare for My First Free Debt Advice AppointmentGets you ready for a first session with a free, non-profit debt adviser, from finding a genuine service in your country to the documents, questions and figures to bring.Plan
- Untangle Multiple Buy Now Pay Later Plans Before the Next Due DateMaps every buy-now-pay-later plan across apps into one due-date calendar, spots the weeks where payments collide, and sets rules to stop new plans until they are cleared.Plan
- Debt Payoff Motivation Plan and Printable Tracker — Image PromptsCreates milestone rewards, a monthly check-in ritual and image-model prompts for a printable debt payoff tracker you colour in, so a long repayment plan keeps feeling winnable.Plan
- Creditor Correspondence Desk for Debt Letters and CallsA standing debt correspondence specialist that reads every creditor letter you paste, explains it plainly, drafts a firm polite reply and keeps a dated log of every contact.Plan
- Debt-Free Plan Monthly CoachA standing repayment coach that keeps your debt plan, recalculates it each month from your new balances, celebrates milestones and replans calmly after a bad month.Plan
Titles and descriptions are public. The full texts, the .zip download and Agent Skill exports are on the Library and Pro plans. See the plans. More for saving money & personal finance · self-discovery & personal growth · legal.