My client owed $9,200. They walked away after paying $3,800. Just 7 ChatGPT prompts that flipped the script: 👇 1 | “Write a negotiation email offering 40% settlement if I pay today.” → Triggers fast callbacks. 2 | “Design a plan to request a permanent APR reduction on my card.” → Huge long-term savings. 3 | “List my card issuer’s hardship programs and eligibility rules.” → Hidden lifelines most never use. 4 | “Draft a phone script to waive late fees immediately.” → Saves $25–$75 in minutes. 5 | “Find nonprofit credit counseling groups that negotiate with banks.” → Free pros on your side. 6 | “Compare cards with 0% balance transfer offers up to 18 months.” → Buys time interest-free. 7 | “Show me how to rebuild credit after paying off negotiated debt.” → Sets you up for growth. Save this. Use once. Your finances will change forever.