What does this skill do?

The Skill Financial Recovery Plan generates personalized plans for clients facing excessive debt, analyzing their actual ability to pay, protecting the family’s basic standard of living, and structuring a renegotiation proposal based on applicable law. The result is a formal six-section document, ready to be presented to bank creditors or submitted to a court.

Assessment of Over-Indebtedness
Calculate the percentage of income committed and classify the customer as indebted or over-indebted.
Guarantee of the Minimum Standard of Living
It quantifies the exempt amount based on the family profile and case law criteria.
Renegotiation with Creditors
Generate a table for each creditor showing discounts, new payment terms, installments, and legal justification.
Preparing for Legal Proceedings
Prepare formal, well-reasoned documentation to support requests for debt forgiveness, payment deferrals, or debt restructuring.

Usage examples

📊 Initial Diagnosis
My client earns €3,800 net per month and has four bank loans with total monthly payments of €2,100. Analyze their level of over-indebtedness and calculate the subsistence minimum.
🤝 Proposal for Renegotiation
Create a renegotiation proposal for a client with a mortgage that is two months in arrears and other debts totaling €1,300 per month. Objective: to prevent foreclosure.
⚖️ Court document
Develop a formal recovery plan with a legal basis to present to the court, including a 3-month grace period and an extension of deadlines.
📋 Letter to Creditors
Draft a formal letter proposing renegotiation addressed to three bank creditors, with a 15-day response deadline.

Features

Analysis of Ability to Pay It calculates the amount available after setting aside the subsistence minimum and distributes it proportionally among creditors.
Comprehensive Debt Analysis Compile and organize all of the customer's debts, including balances, payments, and current terms.
Proposal Structured by Creditor Generate a table showing the current balance, proposed discount, new balance, term, monthly payment, and legal justification.
Prioritized Negotiation Strategy Define the channel of communication, priority issues, and minimum acceptable concessions for each creditor.
Formal letter ready to send It produces a document that includes a legal basis, an objective proposal, detailed conditions, and a response deadline.

Frequently asked questions

No. The skill works independently with Claude. You just need to provide the client's financial information: income, essential expenses, household composition, and a list of debts.
The document outlines the proposal based on legal grounds and case law, but it must be reviewed by a legal professional before it is formally presented to creditors or the courts.
The skill automatically detects this and suggests prioritizing creditors based on legal hierarchy and collateral, indicating which debts require immediate attention.
Yes. After the initial setup, you can modify payment terms, discount percentages, and grace periods based on the specific circumstances of each customer.
Financial Recovery Plan — Debt Renegotiation with Claude AI

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