Phone and Internet Bill Haggler
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Debt Help Plan
Sorts what you owe into who to pay first, works out an offer you can afford, writes your letters and tracks every reply.
Sorts what you owe into who to pay first, works out an offer you can afford, writes your letters and tracks every reply.
- For money and budgeting
- Claude, ChatGPT, Gemini and more
- Worldwide: works in any country
- Trilly approved this version
This skill gives general information, not legal advice. Talk to a lawyer about your own situation.
It writes the letter. Same question, two answers.
Trilly ran this request on an AI, with and without the skill, and picked this pair. It's an example, not a measured test.
The whole example
You ask
Today is Oct 15 2026. I'm behind on everything. Rent is $1,450 behind (landlord says I can catch up at $300/mo on top of rent), electric is $280 behind (they offered $70/mo), Capstone card $3,400 at 29% interest, phone bill $180 behind. Take home $3,100/mo, my normal costs incl rent are $2,450. Honestly thinking I should skip rent this month and throw everything at the card since the interest is killing me. Who do I pay first?
Without the skill
Pay first: rent, then electric, then phone, then the card. Rent and utilities can cost you your home or service; the card can't.
Skipping rent is a bad idea. Missing rent risks a late fee, an eviction filing, and losing the $300/mo catch-up deal. The card's interest is about $82/mo, which is real but far less damaging than eviction. Take the landlord's offer and put the rest on the card.
You have $650/mo spare ($3,100 − $2,450). Rent and electric catch-up take $370, leaving $280. Strict pro rata would send the phone only about $14, so I'd clear the small phone bill in October to avoid a shutoff, then put everything else on the card.
| Month | Rent catch-up | Electric | Phone | Card | Total |
|---|---|---|---|---|---|
| Oct 2026 | $300 | $70 | $180 | $100 | $650 |
| Nov | $300 | $70 | – | $280 | $650 |
| Dec | $300 | $70 | – | $280 | $650 |
| Jan 2027 | $300 | $70 | – | $280 | $650 |
| Feb | $250 | – | – | $400 | $650 |
| Mar onward | – | – | – | $650 | $650 |
This is on top of regular rent and bills. Keep making the card's minimum payment each month, and check that it's covered by the $2,450 or by these card amounts. Interest isn't in the table, so the card will take longer to clear than the payments alone suggest.
Message to landlord: Hello, this is Tasha Brennan. Thank you for agreeing to a catch-up plan. I'll pay my regular rent on time plus $300 each month toward the $1,450 arrears, starting October 2026, with a final $250 in February 2027. Please confirm this in writing and that no further action will be taken while I keep to it.
Message to electric company: Hello, I'm Tasha Brennan, account [number]. I accept your offer to pay $70/month toward my $280 arrears, in addition to current charges, starting October 2026. Please confirm the plan in writing and that my service won't be disconnected while I keep to it.
(answer cut for length)
With the skill
DEBT HELP PLAN
Pay rent and electric first, don't skip rent. You have $280.00 a month for the card and phone.
General information, not legal or financial advice.
| Debt | Owed | Priority? | Why |
|---|---|---|---|
| Rent | $1,450.00 | Yes | Eviction risk |
| Electric | $280.00 | Yes | Power can be cut off |
| Capstone card | $3,400.00 | No | Credit card |
| Phone | $180.00 | No | Service only |
Skipping rent to pay the card would put your home at risk, and 29% interest can't evict you. Paying rent and electric as agreed and asking Capstone to cut the interest is the safer route.
Offer: $3,100.00 - $2,450.00 = $650.00. Less $300.00 and $70.00 = $280.00 available. Total non-priority $3,580.00. Capstone $265.92, phone $14.08. Total $280.00.
Subject: Request for a payment arrangement Dear Capstone, My income has not kept up with my costs and I can't make the full payments right now. After essential costs and priority bills, I can offer $265.92 a month starting November 1, 2026. I can send my budget if it helps. Please freeze or reduce interest and charges, and hold collection and default action while you consider this. I'd be grateful for a written reply. Tasha Brennan
Subject: Request for a payment arrangement Dear phone provider, I can offer $14.08 a month starting November 1, 2026, toward my $180.00 arrears. Please hold collection action while you consider this and reply in writing. Tasha Brennan
| Creditor | Owed | Offer or request | Sent | Next step |
|---|---|---|---|---|
| Landlord | $1,450.00 | $300.00 a month extra | Not yet | Get it in writing, you do this before October 29, 2026 |
| Electric | $280.00 | $70.00 a month | Not yet | Confirm in writing, you do this before October 29, 2026 |
| Capstone | $3,400.00 | $265.92 a month, freeze interest | Not yet | If no reply by October 29, 2026, you call |
| Phone | $180.00 | $14.08 a month | Not yet | If no reply by October 29, 2026, you call |
Free help: nonprofit credit counseling through the NFCC, 877-360-6322. If you get eviction papers, contact your local legal aid office right away.
Add these debts and offers to your money file?
With the skill
Without the skill
How it's going, from real use.
How the numbers workNot enough data yet
No reviews or use numbers yet. Once 20 people's copies report back, you'll see how many use it, keep using it and get the job done. The maker can't change them.
How Trilly tested it: Trilly tested version 1.0.0 on 15 October 2026. This version changed its instructions and hasn't been tested yet. What the badge means and how we test
Safety and what it can reach.
Reads and uses
Gmail or OutlookFind letters and emails from the lenders and debt collectors you name, so the plan uses the real amounts, dates and deadlines. It only reads.
Files you give itOnly the files you add to the chat.
EmailYour AI app's own tool, too.
Makes or changes
Google Sheets or ExcelKeep the debt tracker as a sheet you come back to. It asks you before it changes anything.
Files for youIt creates files for you to keep.
Your accountsIt asks you before each change.
Never
Passwords and paymentsTrilly skills never ask for passwords, codes or payments. If this one does, stop and report it.
Running codeIt can't run code.
Risk area: legal.
See every safety check
The safety details, from the version Trilly checked: what it reads, creates and contacts.
- The internet
-
- By itself: it contacts no websites.
- Through apps you connect: see "Apps you've connected" below.
- Runs code
- No
- Files
- Reads files you give it, and creates or changes files
- Tools in your AI app
- Apps you've connected
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Only if you've connected them to your AI app. It works without them too.
- Email (for example Gmail or Outlook): Find letters and emails from the lenders and debt collectors you name, so the plan uses the real amounts, dates and deadlines. Reads: Emails from the lenders or collectors you name, and only the ones they pick Doesn't create or change anything. Without it: You paste the email text or uploads a photo or PDF of the letter. Every reply is written in the chat for you to send.
- Spreadsheets (for example Google Sheets or Excel): Keep the debt tracker as a sheet you come back to. Creates: Create a new debt tracker sheet only after a yes. Never edits or deletes an existing sheet. Asks you before it creates or changes anything. Without it: The tracker comes as a Markdown table with a header row to paste into any spreadsheet.
- Where your information goes
-
- Debts, balances, income and regular costs: Stays in the chat, and in your money file or a new tracker sheet only after a yes. Only balances, arrears, offers and dates are used. Card, bank and login details, account numbers and ID numbers are never asked for.
- Emails and letters from lenders and debt collectors: Read in the chat only. Nothing is sent to any lender or collector. Search only for the names you give and read only the messages they pick.
- Your accounts
- Takes actions in your accounts. It must ask you before each change.
- Risk area
- Legal
What it does, in full
Written in English. Answers in your language
Tell it what you owe and what comes in each month. It sorts your debts by what happens if they go unpaid, so rent, energy, tax and court fines come before cards, loans and phone bills. Then it works out a monthly offer you can really keep to, shared fairly between the lenders.
It writes a hardship request for each lender and a safe reply to any debt collector. If you don't recognise a debt, the reply asks the collector to prove it and admits nothing, because paying or agreeing too soon can cause problems later. You get a tracker with a date and a next step for every lender.
It is general information, not legal or financial advice. It names free debt advice for where you are, and legal help if court papers arrive. It never sends letters, pays anyone or agrees a deal for you. If your email or spreadsheet app is connected, it can find letters from your lenders and make a tracker sheet, and it asks first.
You choose: it reads your connected apps and, where your AI app's connection can make changes, changes things only in Google Sheets and Excel, after your yes each time, or you paste things in and get copy-ready text, or step-by-step help.
What you get
Ask. Works in the AI apps it's made for. Paste or upload what you have, and it does the job right there in the chat.
Works with your apps. If you've connected your email or your spreadsheets to your AI app, it can use them to do more of the job for you. You choose: it works without them too, from what you paste or upload.
Remembers you. It keeps your money file in one place you own: your AI app or your own cloud drive, never on Trilly. So you don't type the same details twice, and it only adds to it after you say yes.
Works over days. It keeps a tracker of where things are up to, so you can come back days later and carry on.
How each part works
Works with your apps.
- Email (for example Gmail or Outlook): find letters and emails from the lenders and debt collectors you name, so the plan uses the real amounts, dates and deadlines. It only reads.
- Spreadsheets (for example Google Sheets or Excel): keep the debt tracker as a sheet you come back to. It asks you before it creates or changes anything.
The apps it can use
- Email Gmail Only reads Also works with Outlook
- Spreadsheets Google Sheets Asks before it adds or changes anything Also works with Excel
Choose your apps Your version: Gmail · Google Sheets · in Claude
Try asking
Once it's added, ask your AI something like this. Not sure it loaded? Is my skill working?
-
which debts should i pay first: rent, a credit card and a phone bill
To check it's working, the answer should start with "DEBT HELP PLAN".
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write a financial hardship letter to my lender
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debt collector letter about a loan i don't recognise, what do i do
Get Debt Help Plan
A$19
Buy for A$19New in version 1.0.2 (28 Oct 2026): Adds a version to paste into Grok's own skills, and sets up Grok and Grok Build.
Added through your linked AI? You already have it. Downloaded a copy? Download the new version.
Price details
- Price in Australian dollars (A$). Trilly isn't registered for GST, so no GST is added.
- About in your currency, from the 's rate on , rounded. An estimate only. Prices are charged in A$, and your bank sets the final amount. Change
- How buying works
- Sold worldwide.
- A$19 once for you; A$19 per seat a year for teams. A person buys a one-off skill once. A company seat can move from one person to another, so it's paid yearly.
- Updates arrive by themselves.
- Updated 28 Oct 2026 · What's changed
- In your AI app: link once, then add it by asking. How
Jobs it does: Pay down debt with AI