debt-advisor

What problem does it solve?

Many people with multiple debts lack a clear, prioritized, and realistic plan to get out of debt; this Skill turns scattered balances and rates into a structured repayment roadmap that reduces interest and risk of defaults.

Core Features & Use Cases

• Comprehensive debt inventory: collect and summarize all debts with balances, interest rates, minimum payments, and status (current, past-due, NPL).
• Payoff planning: generate Debt Avalanche or Debt Snowball schedules, monthly payment plans, payoff timelines, and estimated interest savings.
• Consolidation & refinance analysis: evaluate debt consolidation loans, cash-out refinance options, and compare alternative interest scenarios.
• Negotiation & NPL support: produce practical negotiation scripts, settlement messages, and list consumer protection rights and referral channels.
• Use Case: a user with multiple credit cards and a personal loan provides income, expenses, and each debt's details to receive a prioritized payoff plan and lender negotiation script.

Quick Start

Type /debt-advisor and provide your net monthly income, monthly expenses, and a list of each debt with its balance, interest rate, minimum payment, and current status.