A web app imports bills, debts, income, and household details, then generates a prioritized survival budget, debt payoff sequence, benefit checklist, and creditor negotiation scripts. It can flag urgent risks like garnishment, missed utilities, high-interest cards, medical debt, and food insecurity, then track applications, calls, hardship programs, and payment plans in one dashboard.

Households are facing persistent inflation, rising credit card balances, and growing reliance on public assistance and hardship programs. AI-enabled document intake and financial workflow automation now make personalized debt triage affordable at consumer scale.