As of 13 August 2026, AI can only partly negotiate a debt repayment plan.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open your bank statements, payslips or benefits records, bills and debt letters, and write down each creditor, balance, current payment, arrears and any enforcement notice without including account numbers.
   2. List your monthly income and essential spending, including housing, council tax, utilities, food, travel, insurance and essential medical costs, then list every other debt payment separately.
   3. Paste the figures and circumstances into the prompt, and answer any follow-up questions using documents you have checked rather than estimates.
   4. Ask the chatbot to show the surplus calculation and compare each figure against your statements and bills before using its proposed payment amount.
   5. Use the call script or written message to ask the creditor what arrangement it can offer, and do not treat the chatbot's draft as acceptance by the creditor.
   6. Ask the creditor to confirm the payment amount, dates, interest treatment, fees, review arrangements and consequences of a missed payment in writing, then compare that confirmation with the chatbot's checklist.
   7. If the plan involves a priority debt, enforcement, court action or an amount you cannot afford, pause and speak to a free debt adviser before agreeing to it.

   Prompt

   Help me prepare to negotiate a debt repayment plan with a UK creditor. This is not professional advice. Do not contact anyone, claim that a creditor must accept an offer, invent a policy, or decide that a debt is legally unenforceable. If the information suggests rent or mortgage arrears, council tax, gas or electricity arrears, court fines, child maintenance, or another priority debt, flag that clearly and tell me to speak to a free debt adviser before relying on the plan.
   
   Use only the information I provide. Ask concise questions first if anything important is missing. My information is:
   - Creditor and debt type: [details]
   - Amount owed: [amount and currency]
   - Current payment and due date: [details]
   - Missed payments, arrears or enforcement notices: [details]
   - Monthly take-home income: [amount]
   - Essential monthly spending: [itemised amounts]
   - Other debt payments: [amounts and creditors]
   - Amount I can realistically offer: [amount, if known]
   - Relevant change in circumstances: [details]
   
   Calculate the available surplus transparently from the figures supplied and identify anything that makes the calculation uncertain. Produce: (1) a short affordability summary, (2) a proposed payment amount that does not exceed the stated affordable amount, (3) a calm call script, (4) a written message to the creditor, (5) a list of documents and questions to have ready, and (6) a checklist of what I must confirm in writing before accepting any arrangement. State clearly which parts I must verify with the creditor or a qualified debt adviser. Do not include account numbers or other unnecessary personal data.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.