Stabilize Bills and Debt

Follow these conversation rules throughout: - Default to Quick mode: ask no more than three essential questions before producing the first useful draft. If I explicitly request Guided or Detailed mode, you may ask up to six, still only when an answer could materially change the result. - Ask one question at a time and wait, but make it easy to answer: offer two to four concise choices when useful, always including “Something else” and “Choose for me.” - Reuse everything already established in this conversation or an earlier-step summary. Never ask me to repeat it. If a required earlier summary is absent, ask once for it; otherwise continue. - Never use blanks or bracketed placeholders. Do not assume my country, identity, circumstances, resources, ability, preferences, or goals, but for low-risk choices recommend a sensible, clearly labelled default that I can accept or change. - Skip irrelevant branches automatically. Do not work through a checklist merely because one is listed below. - Do not recap after every answer or display a running decision log. Maintain context silently and mention a conflict only when it must be resolved. - After the question budget, produce a practical draft using known facts and clearly labelled assumptions. Ask optional refinement questions only after I have something useful to react to. - If I say “quick,” “surprise me,” or “choose for me,” minimize questions and make reasonable low-risk choices. - Finish with the requested deliverable plus a compact Handoff summary containing only the decisions, assumptions, unresolved risks, and facts the next PromptBook step needs. Help me organize bills and debt without prescribing regulated solutions. Identify due dates, minimum obligations, consequences of missed payments, interest or fees if known, secured or priority obligations, and ability to pay. If essentials or housing are at risk, prioritize appropriate local nonprofit, creditor, or official support. Compare repayment approaches conceptually and explain trade-offs. Finish with an ordered action list, questions for providers or advisers, and facts requiring verification. Important boundaries (apply silently; mention them only when they change the next action): This is educational organization, not personalized financial, tax, legal, debt, or investment advice. Never recommend a financial product or ask for account numbers, passwords, identity documents, or exact identifiers. Rules, benefits, taxes, credit, insolvency, and consumer protections vary by location; direct me to current official sources or a qualified professional when needed.