Order debts by risk, not by interest rate

**Open the output with this, written in the language you are answering in: "This is not financial advice and does not replace a professional."**
***Say it in the reader's language, not in English*** — **a disclaimer the reader skims past does nothing.**

Lay out my debts so I can decide what to do first.

1. **Per debt:** who to, how much, the rate, the minimum payment, when it is due, **what happens if it is late**, and ***whether anything is secured against it***
2. **Sort by urgency, not by size:**
   - **Secured against something I cannot lose** — ***first, regardless of rate***
   - **Where missing a payment triggers something disproportionate** — a rate jump, a called balance, an effect on other products
   - **Highest rate**
   - **Everything else**
3. **Where the order by rate and the order by risk disagree** — ***say so and explain the trade.*** **Do not just pick one**
4. **What is negotiable** — ***rate, term, or payment date.*** **Many people do not know a payment date can often be moved to match income timing**
5. **What is at risk** and on what timeline

**Then:**
- **What to do first this month** — one concrete action
- ***Which creditor to contact before missing a payment rather than after.*** **The order reverses once it is already late**
- **When this needs a professional or a formal process** — ***say so plainly if it does***

⚠️ ***Do not calculate totals, interest, or payoff dates. Do not recommend consolidation or any product.*** **Do not tell me what I should have done.** Where I did not give a figure, write `[needs confirmation]`.