Prompt
Prompt di IA legale per Debt & Bankruptcy
11 prompts you can paste straight into HAQQ or any other assistant. Every one is written out in full - open it, copy it, change the bracketed parts.
Bankruptcy BasicsMemoAdvancedResearch / Authorities
Explain consumer bankruptcy options in [jurisdiction] (e.g. Chapter 7 vs 13 in the US) for someone with debts of [amount], income [amount], home [own/rent], including process and impact on credit.
Debt Settlement OfferMemoStandardDraft / Generate
Draft a debt settlement offer to [creditor] for account [#] with outstanding [amount], proposing a lump-sum settlement of [percent]% in exchange for full release and credit reporting update.
Garnishment DefenseMemoAdvancedStrategy / Scenario
Help me respond to a wage garnishment of [amount/percent] from my paycheck starting [date] for debt [type]. Identify exemptions, hardship claims and procedures in [jurisdiction].
Credit Repair PlanPlaybookStandardStrategy / Scenario
Build a 12-month credit repair plan after [bankruptcy / default / late payments]. Cover paying down balances, dispute strategy, secured cards and goal credit score.
Foreclosure DefenseMemoExpertStrategy / Scenario
Outline defenses to a foreclosure on my home at [address] initiated on [date] for default of [amount]: standing, notice defects, loss mitigation, mediation and bankruptcy stay.
Statute of LimitationsMemoStandardResearch / Authorities
Explain the statute of limitations on different types of consumer debt in [jurisdiction] and how acknowledgement or partial payment can restart the clock.
Repossession LetterMemoStandardDraft / Generate
Draft a letter to [lender] regarding the threatened repossession of my [vehicle / equipment], proposing a cure / reinstatement plan and asking for accounting of charges.
Means Test Walk-throughMemoAdvancedStrategy / Scenario
Walk me through the consumer bankruptcy 'means test' in [jurisdiction] given my income of [amount], household size of [N] and expenses [amount] to determine eligibility.
Cease and Desist CollectionMemoStandardDraft / Generate
Draft a cease-and-desist letter to [collector] demanding they stop contacting me at home and work for debt [#], citing applicable consumer protection law in [jurisdiction].
Insolvency Action PlanPlaybookExpertStrategy / Scenario
Build a 90-day action plan for someone realizing they cannot pay their debts: triage, essential vs unsecured, negotiations, legal options, mental health and emergency budgeting.
Dishonoured Cheque and Debt Recovery StrategyPlaybookExpertStrategy / Scenario
Act as recovery counsel advising [CREDITOR] on collecting [AMOUNT] from [DEBTOR] in [COUNTRY]. What is held: [SECURITY CHEQUE OR POST-DATED CHEQUE / PROMISSORY NOTE / INVOICES ONLY / SIGNED ACKNOWLEDGEMENT / BANK GUARANTEE], with [DATES, WHETHER PRESENTED AND WHEN, THE BANK'S RETURN REASON, WHETHER THE DEBTOR IS AN INDIVIDUAL OR A COMPANY, KNOWN ASSETS, WHETHER THE DEBTOR IS RESIDENT]. In several jurisdictions in this region an instrument like a cheque or a registered promissory note can be taken straight to an execution route without first winning a judgment on the underlying debt, which is faster and cheaper than a full claim — establish first whether that route is open here, because it changes the whole plan. Do not state that a route exists, or that a particular consequence follows, unless you can attribute it to a named source; mark it To Be Confirmed for local counsel. Return: (1) Route Comparison — direct execution on the instrument, an ordinary civil claim, a summary or order-for-payment procedure, and any regulatory or criminal complaint route, each with what it requires, its speed, its cost, and its risk; (2) Instrument Check — whether what the creditor holds actually qualifies for the fast route (form, endorsement, presentation within time, registration where required), and what would disqualify it; (3) Recommended Sequence — the route to take first, the step that preserves the others, and the deadlines that must not be missed; (4) Pre-Action Steps — formal notice or protest, the wording that starts time running or triggers interest, and how to serve it so service is not later challenged; (5) Asset and Enforcement Measures — attachment of bank accounts, salary, receivables, shares and vehicles, precautionary measures available before judgment, travel restrictions where they exist, and what can be obtained without alerting the debtor; (6) Debtor's Likely Defences — the standard answers (the instrument was security only, the underlying debt is disputed or set off, the signature or authority is denied, prescription), each with the evidence that meets it; (7) Company Debtors — piercing to directors or shareholders where possible, insolvency filing as leverage or as a risk, and how ranking would work if others are also chasing; (8) Recovery Plan — a costed, sequenced plan with owners and dates, a realistic recovery range, the settlement number worth taking, and the questions for local counsel. This is a strategy aid for a qualified local practitioner, not legal advice.