Prompt
Debt & Bankruptcy AI prompts for lawyers
8 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.
Execution File: Attachment and Debtor ObjectionsPlaybookExpertStrategy / Scenario
I am running a file before the execution department in [jurisdiction], based on a [judgment / enforceable instrument / cheque / promissory note] for [amount] against [debtor]. Prepare a playbook covering: 1. The types of attachment available — over movables, over real property, garnishment of bank accounts with third parties, over shares and partnership interests — the conditions for each and the practical order in which they are used. 2. What the law puts beyond attachment, so we do not apply for one that will be refused. 3. The debtor's likely objections: payment, limitation, nullity of the instrument, lack of standing, an application to pay by instalments — with the deadline for each and its effect on staying execution. 4. Instalment or payment-plan applications: who decides them, and whether cancelling an earlier plan bars a fresh application, and what the law says about that. 5. The effect of the creditor signing the receipt of payment on the progress of the execution file. 6. A recommended sequence from today, in dated steps. Mandatory rules: cite the article of the execution law or procedure code of that jurisdiction. Distinguish what stays execution by operation of law from what needs an order of the execution judge.
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].
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.
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.