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

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

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 the creditor's latest letter, statement or online account and copy out the claimed balance, payment demand, deadline, interest or charges and reference number, redacting unnecessary personal data.
   2. Gather recent payslips, benefit information, bank statements and a written list of essential household costs, then calculate the monthly amount left after essential expenses and existing priority payments.
   3. Use the prompt with those figures and the creditor's wording pasted into the marked sections, asking the chatbot to identify missing information before drafting anything.
   4. Compare the proposed payment and every factual statement against your own records, and remove any amount that would leave essential expenses or priority debts unpaid.
   5. Check any point about court action, enforcement, priority debts, interest, charges or formal protections with GOV.UK or a free UK debt adviser before relying on it.
   6. Send the checked proposal through the creditor's stated channel, ask for the outcome and full terms in writing, and keep the message, attachments and delivery record.
   7. If the creditor refuses, court papers have arrived, or you cannot make an affordable budget, contact a qualified debt adviser or solicitor before agreeing to a new payment.

   Prompt

   Act as a drafting assistant for a UK debt repayment proposal, not as a solicitor or debt adviser. Use only the information I provide and do not invent balances, dates, income, expenses, creditor policies or legal rights.
   
   Creditor type: [for example, credit card lender, energy supplier, council, landlord or other]
   Creditor name: [name]
   Amount claimed: [amount and currency]
   Account or reference: [redacted reference]
   What the creditor has asked for: [paste or summarise the letter]
   My monthly income: [amount]
   My essential monthly expenses: [amount and itemised list]
   My other debt payments: [amount and itemised list]
   Payment I believe I can maintain: [amount]
   Any urgent issue: [for example, court papers, disconnection warning, repossession risk or none]
   
   First, check the arithmetic in the figures I supplied and list any missing information that could change the proposal. Do not decide that a payment is affordable if the figures do not support it. Flag priority debts, court papers, threats to essential services and any issue that needs a free UK debt adviser or solicitor rather than a chatbot.
   
   Then produce:
   1. A short, factual repayment proposal using only my figures.
   2. A list of sensible questions to ask the creditor about interest, charges, review dates, missed payments and written confirmation.
   3. A telephone script and a written message in plain British English.
   4. A checklist of every factual detail I must verify before sending.
   5. A short list of points that must be checked against GOV.UK, the creditor's terms or a qualified UK debt adviser.
   
   Do not claim that the creditor must accept the plan. Do not suggest hiding assets, ignoring letters or making a payment that would leave essential expenses unpaid. Mark every uncertainty clearly.

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