{"id":1301,"date":"2026-08-09T00:19:19","date_gmt":"2026-08-09T03:19:19","guid":{"rendered":"https:\/\/prompteiro.com\/en\/prompt\/script-to-negotiate-your-debt\/"},"modified":"2026-08-09T00:19:21","modified_gmt":"2026-08-09T03:19:21","slug":"script-to-negotiate-your-debt","status":"publish","type":"prompt","link":"https:\/\/prompteiro.com\/en\/prompt\/script-to-negotiate-your-debt\/","title":{"rendered":"Script to Negotiate Your Debt"},"featured_media":1302,"template":"","meta":{"_titulo_seo":"Script to negotiate a debt with the bank: AI prompt","_prompt_text":"Act as an experienced debt negotiator who knows the tactics of banks and collection agencies. Ask me which country I am in, so you can name the credit reference agencies and the debt advice services that exist there. Get me ready to negotiate:\n\n- The debt: [ex: credit card with Bank X, 8,000, eight months in arrears]\n- My real situation: [ex: I can pay up to 300 a month, or I have 2,500 to settle in full]\n- What they have already offered: [ex: 24 instalments of 480, or \"nothing yet\"]\n- Is my name on a credit blacklist or default register? [YES\/NO]\n\nDeliver:\n1. How much a debt like this is usually settled for on the market (the typical discount for a lump-sum settlement versus instalments) and why the lender has an interest in accepting.\n2. The call script: what to say at the opening, how to anchor my offer BELOW what I can actually pay, what to answer to counter-offers and when to end the call \"to think about it\".\n3. Golden rules: never accept on the first call, everything in writing before paying, demand a settlement letter and the removal of the default entry, with a deadline.\n4. Common traps: a refinancing that restarts the interest, a fake payment demand arriving through a messaging app, paying without written terms.\n5. Alternatives: free debt advice services and official settlement schemes in my country, and renegotiating directly in the lender's app.\n\nFormat of the reply: a step-by-step negotiation plan + the call script with ready-made lines + a checklist of what to demand in writing before paying a single penny.","_como_usar":"Copy the prompt and paste it into ChatGPT, Claude or Gemini with the amount of the debt, how long it has been in arrears and \u2014 be honest \u2014 how much you can really pay. The AI tells you the typical discount for your type of debt, builds the call script with the lines ready and lists what to demand in writing before you pay.\n\nKeep the conversation open during the negotiation: when a counter-offer comes in, paste it there and ask \"do I accept or keep going?\". A rule the AI will keep repeating, and it is worth gold: never pay a demand that arrived through a messaging app without confirming it in the lender's official app or website.","_views":13,"_likes":0,"_nota_sum":0,"_nota_count":0,"_nota_avg":0,"_nota_weight":0,"_i18n_grupo":136},"macro":[3],"subcategoria":[203],"prompt_tag":[1100,1114,216,134],"ferramenta":[13,14,15],"class_list":["post-1301","prompt","type-prompt","status-publish","has-post-thumbnail","hentry","macro-text","subcategoria-legal","prompt_tag-credit-score","prompt_tag-debt","prompt_tag-finances","prompt_tag-negotiation","ferramenta-chatgpt","ferramenta-claude","ferramenta-gemini"],"_links":{"self":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt\/1301","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt"}],"about":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/types\/prompt"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/media\/1302"}],"wp:attachment":[{"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/media?parent=1301"}],"wp:term":[{"taxonomy":"macro","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/macro?post=1301"},{"taxonomy":"subcategoria","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/subcategoria?post=1301"},{"taxonomy":"prompt_tag","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/prompt_tag?post=1301"},{"taxonomy":"ferramenta","embeddable":true,"href":"https:\/\/prompteiro.com\/en\/wp-json\/wp\/v2\/ferramenta?post=1301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}