| name | get-out-of-debt |
| description | Guided workflow for eliminating debt systematically from comprehensive debt audit and strategy selection through creditor negotiation, execution discipline, and prevention planning. Covers credit cards, student loans, medical debt, personal loans, and other consumer debt.
Use when the user wants to get out of debt or needs a structured multi-step process for this goal.
Do NOT use when the request is a single-step task or requires professional advice beyond educational guidance. |
| license | Apache-2.0 |
| type | workflow |
| skills | debt-strategist debt-elimination-strategist negotiation-coach budget-builder savings-planner |
| trigger_phrases | I want to get out of debt help me pay off my debt how to become debt-free eliminate my credit card debt pay off student loans debt payoff plan |
| metadata | {"author":"foundry-skills","version":"1.0.0","tags":"debt-management budgeting personal-finance step-by-step planning","category":"business-operations","depends":"debt-strategist debt-elimination-strategist negotiation-coach budget-builder savings-planner"} |
Get Out Of Debt
This workflow references financial information for educational purposes only. It is not financial advice. Consult a qualified financial advisor before making major financial decisions.
Estimated time: 4-8 weeks to plan, 12-60 months to execute
Debt can feel overwhelming, but it is a solvable problem with the right
strategy and consistent execution. This workflow guides you through five
stages: auditing all debt honestly, selecting the optimal payoff strategy,
negotiating with creditors for better terms, executing the plan with
accountability, and building systems to prevent future debt accumulation.
This workflow is designed for consumer debt (credit cards, student loans,
medical bills, personal loans, car loans). Mortgage debt is a separate
category and is not the focus here, though the principles apply.
By the end of this workflow you will have: a complete debt inventory, a
prioritized payoff plan, improved creditor terms, an execution system, and
prevention strategies for staying debt-free.
When to Use
- User wants to get out of debt
- User needs a structured, step-by-step process for get out of debt
- User wants to get out of debt
- User wants to pay off my debt
- how to become debt-free
- Do NOT use when: the request is outside the scope of get out of debt or requires professional advice beyond educational guidance
- Do NOT use for single-step tasks that one atomic skill can handle independently
Prerequisites
Before starting this workflow, ensure:
- Willingness to face the full picture of your debt (total balances, interest rates)
- A source of income (the plan requires money to direct toward debt)
- Commitment to changing spending habits alongside paying down debt
- Openness to making temporary lifestyle adjustments
- No minimum or maximum debt amount required (the workflow scales)
Steps
Step 1: Audit All Debt (uses: debt-strategist)
create a complete and honest inventory of
all debt. Many people underestimate their total debt because they avoid
looking at the full picture.
- Input: All known debts (credit cards, student loans, medical bills, personal loans, auto loans), Monthly income from all sources, Current monthly expenses and minimum payments
- Output: Complete list of all debts with balances, rates, and terms, Total debt, total minimum payments, total monthly interest cost, Credit report findings including errors to dispute
- Key focus: Comprehensive debt listing (every creditor, balance, interest rate, minimum payment)
Step 2: Select Your Payoff Strategy (uses: debt-elimination-strategist)
