Prompts
Prompts de IA jurídica para Debt & Bankruptcy
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], on behalf of the creditor, 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 for every ground of objection and every type of attachment. Distinguish what stays execution by operation of law from what needs an order of the execution judge, and where the practice of the execution department diverges from the text of the law, flag that rather than stating the text as the outcome. Cite the specific article establishing the deadline for each debtor objection listed in section 3, and quote its text wherever the deadline's start date is contested.
Bankruptcy BasicsMemoAdvancedResearch / Authorities
Explain the consumer bankruptcy or personal insolvency options available in [jurisdiction] for someone with debts of [amount], income of [amount], who currently [own/rent] their home. Facts: the mix of debt (secured, unsecured, tax, or student), whether any creditor has already sued or threatened to, and how urgently a filing is needed. Deliverables: 1. The main insolvency or bankruptcy procedures available in [jurisdiction] and, in plain terms, what each does. 2. Which procedure this person is likely eligible for, given their debts, income, and home status. 3. What happens to the home if they [own/rent], under each procedure. 4. The process from filing to discharge: rough timeline, required disclosures, and any means test. 5. The effect on credit reporting and how long it typically lasts. 6. What happens to debts that are not fully discharged. Mandatory rules: name the statute, chapter, or procedure behind any eligibility rule, means test threshold, or discharge period you state. Where [jurisdiction]'s rule cannot be confirmed, flag it for a local insolvency practitioner rather than stating it as fact. This explains options; it is not a recommendation to file, and a licensed insolvency professional in [jurisdiction] should confirm eligibility before anyone acts on it.
Debt Settlement OfferMemoStandardDraft / Generate
Draft, on my behalf as the debtor, a debt settlement offer letter to [creditor] for account [#], with an outstanding balance of [amount], proposing a lump-sum settlement of [percent]% in exchange for a full release and an update to credit reporting reflecting the settlement. Output one ready-to-send letter. Do not state that [creditor] must accept this offer or that it will remove the account from my credit history; make clear both points are subject to [creditor]'s agreement and standard reporting rules. Do not state a limitation period, credit reporting rule or debt collection restriction you cannot attribute to a named law; flag it for confirmation rather than asserting it.
Garnishment DefenseMemoAdvancedStrategy / Scenario
Help me respond to a wage garnishment of [amount/percent] from my paycheck, starting [date], for a [type] debt, in [jurisdiction]. Facts: my gross and take-home pay, whether I have dependents, and whether I received notice of the underlying judgment before the garnishment started. Deliverables: 1. Whether this garnishment amount and process complies with the limits [jurisdiction] sets for a [type] debt. 2. The exemptions available to me (head-of-household, low-income, dependent-based, or debt-type specific), and whether I likely qualify. 3. How to raise a hardship claim, including what evidence to bring. 4. The procedure and deadline to challenge or reduce the garnishment in [jurisdiction]. 5. What happens if I do nothing, versus what happens if I successfully claim an exemption. Mandatory rules: cite the statute or exemption provision behind any percentage, dollar limit, or deadline you state. Where [jurisdiction]'s current limit cannot be confirmed, flag it for confirmation rather than quoting a number as current.
Statute of LimitationsMemoStandardResearch / Authorities
Explain the statute of limitations on the main types of consumer debt (credit card, medical, personal loan) in [jurisdiction], and how an acknowledgement of the debt or a partial payment can restart the clock. Output a short explanation organized by debt type. Do not state a specific limitation period or trigger rule unless you can name the statute it comes from; if you cannot confirm the current period for [jurisdiction], flag it for confirmation rather than stating a number, since acting on a wrong period can revive a debt that should be time-barred.
Cease and Desist CollectionMemoStandardDraft / Generate
Draft, on my behalf, a cease-and-desist letter to [collector] demanding they stop contacting me at home and at work regarding debt [#], citing the consumer protection law that applies in [jurisdiction]. Output one ready-to-send letter. Do not name a specific statute or provision unless you can identify it; if you are not certain which law governs debt collection contact rules in [jurisdiction], say so and flag it rather than citing a law you cannot confirm applies.
Insolvency Action PlanPlaybookExpertStrategy / Scenario
Build a 90-day action plan for someone who has realised they cannot pay their debts in [jurisdiction]. Facts: total debt of [amount], the mix of secured versus unsecured obligations, monthly income, and whether any creditor has already filed suit or threatened to. Deliverables: 1. Days 1 to 7, triage: list every debt, separate essential (rent, utilities, secured loans that risk repossession) from unsecured, and flag anything already in active collection or litigation. 2. Days 1 to 7, emergency budget: a bare-minimum spending plan covering only essentials, so nothing critical lapses while the rest of the plan runs. 3. Days 8 to 30, negotiation: which unsecured creditors to approach first, what to offer (payment plan, reduced lump sum, or hardship pause), and how to document every agreement in writing. 4. Days 8 to 30, legal options: when to consider formal insolvency or bankruptcy in [jurisdiction] rather than informal settlement, and the practical trigger for involving a lawyer instead of negotiating alone. 5. Days 30 to 60, execution: following through on agreed plans, tracking who has and has not responded, and escalating anything that stalls. 6. Days 60 to 90, stabilisation: rebuilding a sustainable budget once the immediate crisis is addressed, and what to monitor for six months after. 7. Mental health and support: recognising when the stress of debt is affecting decision-making, and where to get free or low-cost support alongside the financial plan. Mandatory rules: do not state that a specific negotiation tactic, formal insolvency option, or legal protection is available without naming the mechanism or law it relies on. Where a rule depends on [jurisdiction] and cannot be confirmed, flag it for a local debt adviser or insolvency practitioner rather than presenting it as settled. This plan is a starting structure, not a substitute for advice from a licensed debt or insolvency professional.
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.