As of 13 August 2026, AI can only partly prioritise your debts.

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, credit card, loan and household bill statements, then copy the latest balance, interest rate, minimum payment, arrears and any warning or enforcement wording for each account.
   2. Write down your regular household income and essential costs, including housing, council tax, energy, food, travel and necessary insurance, without counting money that is already committed elsewhere.
   3. Paste the figures into the prompt under the matching headings, removing account numbers, passwords and other information that could identify or access you.
   4. Ask the chatbot to produce the priority table and repayment order, and to mark any debt where the type, arrears, consequence or figure is missing.
   5. Compare every balance, rate, minimum payment and arrears figure in the response with the original statements, and correct the prompt where they do not match.
   6. Check any debt marked as urgent against current GOV.UK guidance, then contact a qualified debt adviser before changing payments if the plan involves housing, essential utilities, court action, enforcement or serious arrears.
   7. Use the checked table to contact creditors, request affordable arrangements where appropriate, and keep a dated record of what you agreed.

   Prompt

   Help me prioritise my debts in the UK. Use only the figures and facts I provide, and do not invent or estimate anything. Separate debts that may need urgent specialist advice from ordinary unsecured debts, but do not give legal or regulated financial advice. Create a table with: creditor, debt type, balance, interest rate, minimum payment, arrears, consequences of non-payment, priority, reason, and next action. Check the arithmetic and identify every missing or uncertain figure. Explain which assumptions affect the ranking. Give me a safe order for contacting creditors and a repayment plan that protects essential household bills and minimum payments first. Tell me which parts I should verify against current GOV.UK guidance or with a free debt adviser. If the information suggests possible court action, enforcement, loss of housing, utility disconnection or another serious consequence, stop short of recommending a repayment order and tell me to contact a qualified debt adviser. This is not professional advice.
   
   My household income and essential costs:
   [PASTE FIGURES]
   
   My debts and bills, one per line:
   [PASTE CREDITOR, DEBT TYPE, BALANCE, INTEREST RATE, MINIMUM PAYMENT, ARREARS, DUE DATE AND ANY WARNINGS]
   
   My available cash after essential costs:
   [PASTE FIGURE]
   
   My priorities or constraints:
   [PASTE DETAILS]

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