For you
Money & Debt: rehearse the hard money conversations first
The debt collector on the phone, the bailiff at the door, the landlord, the benefits office — and the harder ones at home: telling your partner, saying no, asking for the money you lent back. Rehearse them here first, with a counterpart who reacts as in real life.
Preview. The edition has been in the practice room since 15 October 2026 and has not yet been reviewed by debt advisers. If you work in debt advice and would read the sentences, we would be glad to hear from you.
Debt is common. Talking about it is still hard.
Unopened letters and calls put off are not laziness but overwhelm. A conversation you have rehearsed once is easier the second time — even when the second time is the real one.
Free, as often as you like
In the Telegram bot the edition is free, with no paywall; practise as often as you like — the only limit is the server's protection, 20 rehearsals a day. There is nothing to buy here.
In the browser, no app and no account, three rehearsals a day.
The conversations, one by one
What you can say in this conversation, what to leave out, what should happen in writing — and where free help is.
- A debt collector is calling: what to say — and what not to An unknown number, a friendly voice, a balance — and a request to "sort it out today". You do not have to decide anything on the phone. Three sentences are enough.
- How to ask for a payment plan: what to say on the phone and in the letter Asking for a payment plan is a request, not a confession. It needs three things: an amount you can pay for sure, a date it starts, and a confirmation in writing.
- Behind on rent: how to talk to your landlord about a payment plan A month or two is missing, a letter from the landlord sits unanswered. The hardest part is the first call. Make it before they catch you on the stairs.
What the edition does differently
- No shame: the coach does not ask why the debts arose and never says "you should have". Saying it at all is the first step.
- Offices, banks and collectors stay firm and factual, as in real life — with no invented threats. Partners, family and friends react like people: hurt, worried, angry.
- Concrete beats big: the other side gives way when you stay with an amount, a date and "in writing, please". A small offer you can keep counts for more than a big promise.
- The debrief asks: what did you say clearly? — the one sentence in which you named the situation, a number, an offer, a request for proof or a no.
- Feared sentences with a calm answer: "If you don't pay, the costs will keep rising", "What did you spend all that money on?" — six for each situation, to practise.
Four scenes to start with
- Tuesday, 10:15 am, an unknown number: a debt collector wants a promise today.
- Kitchen, evening: your partner holds up a 'final reminder'. "How long has this been going on?"
- The stairwell, Saturday morning: two months' rent is missing, and your landlady is coming down the stairs.
- Sunday afternoon, your brother calls: he wants to borrow money, and you want to say no.
Under "Start differently" there is more: the bank, the benefits office, the tax office, your employer, a debt adviser, the friend who owes you money.
How to start
- Open the link — no account, no app, works on a phone too.
- Take the first scene or choose another under "Start differently" — or write one sentence about your own situation.
- Exchange a few lines, read the debrief, and go again if you like.
What it is not
No legal, tax or financial advice. Whether a claim is right, what is protected and what you should pay is for a free, confidential debt adviser to check. The coach tells you so in one line and goes back to the conversation.
No substitute for help in an emergency. With an eviction date, a supply cut or no money for food, the practice room stops and tells you where to get help today.
What happens to your rehearsal
This website works without AI: every question comes from a fixed rule you can read up on; nothing is stored.
The practice room is built differently: there the counterpart and the coach are a language model running locally on our own servers in Germany. The rehearsal is deleted after the debrief, after 24 hours at the latest. Your rehearsal stays yours: nobody sees it. For adults, 18 and over.
Free help
The help the edition names — free debt advice exists in most countries:
- Free, confidential debt advice: find your local free debt advice service or a charity that offers it, and your local social services. In Germany: meine-schulden.de finds a counselling office or online counselling.
- An eviction date, a supply cut, no money for food: contact your local social services or benefits office today, and a food bank near you (in Germany: the Jobcenter or Sozialamt, and the Tafel).
- If gambling is part of it, for relatives too: your national gambling helpline (in Germany: 0800 1 37 27 00, free).
If it is all too much right now
Debts can be sorted out, even if it does not feel like that right now — and nobody has to do it alone. If you are thinking about not wanting to live: talk to a person now, free and confidential:
- International: findahelpline.com lists a line for your country
- UK & Ireland: Samaritans 116 123 · USA: 988 · Germany: 0800 111 0 111
- Emergency: 112 (Europe) · 911 (North America)
Preview. The edition has been in the practice room since 15 October 2026 and has not yet been reviewed by debt advisers. If you work in debt advice and would read the sentences, we would be glad to hear from you.