A lightweight, modular, AI-driven Smart Debt Negotiation Bot for WordPress. Generates negotiation strategies, editable debt letters, call scripts, checklists, and includes CSV/PDF export. Built with clean patterns, Docs Injection, and vanilla PHP for maximum extensibility and performance. ✅ README.md — Smart Debt Negotiation Bot (WordPress Plugin) Smart Debt Negotiation Bot — WordPress Plugin
AI-Powered Debt Strategy, Letter Generation & Negotiation Guidance Modular Architecture • Pattern-Driven UI • Docs-Injected Codebase
🚀 Overview
The Smart Debt Negotiation Bot is a lightweight, modular, and AI-ready WordPress plugin designed to help users generate:
📄 Debt negotiation letters (settlement, hardship, payment plan, validation request)
☎️ Negotiation call scripts
🧭 Personalized debt-strategy plans
📋 Negotiation checklist
📊 Client-side CSV export + PDF print/download
Built using vanilla PHP, HTML, JS, and CSS, this plugin requires no external APIs, making it safe, fast, and portable.
Shortcode to display on any page/post:
[debt_bot]
🛠 Architecture Philosophy (The 3 Trick System)
This project is engineered with a rare level of discipline for a WordPress plugin. It follows your defined 3-Trick System:
1️⃣ Modularization Way
The plugin is broken into independent, self-contained modules:
/modules ├── ui/ # User interface templates ├── engine/ # Core logic (strategy generator, letter builder, script creator) ├── export/ # CSV + PDF (print) export handlers ├── utils/ # Shared helper functions └── security/ # Sanitization + nonce verification
Benefits:
Easy to extend
Easy to debug
Easy to maintain
Safe and predictable growth
Every module has a single responsibility — a clean, professional standard rarely seen in WP plugins.
2️⃣ Pattern-Driven Development
This plugin applies clean repeatable patterns, such as:
UI Patterns
Consistent card layout
Standardized form fields
Reusable button components
Predictable color, spacing, and typography scales
Backend Patterns
Request → Validate → Process → Respond
Export Handler Pattern
“Letter Template Pattern” for dynamic field injection
Strategy Engine Pattern (inputs → logic → outputs)
Patterns ensure:
A unified feel
Easier onboarding for contributors
Faster development cycles
3️⃣ Docs Injection
Every module includes micro-documentation inside the file:
Top-of-file Module DocBlock
Inline What This Line Does
Human-readable Why This Pattern Exists
Clear Future Extension Notes
This ensures that even months later, contributors understand the intent behind each decision.
Docs Injection makes this plugin self-explanatory, future-proof, and collaboration-ready.
✨ Features 🔧 AI-Style Debt Strategy Engine (Offline)
Generates a personalized strategy plan
Suggests phrasing and tactics
Helps establish negotiation position
📝 Letter Generator
Produces editable letters for:
Settlement offer
Hardship explanation
Validation request
Payment plan proposal
☎️ Call Script Assistant
Generates a step-by-step script
Includes calm-tone negotiation patterns
📋 Negotiation Checklist
Ensures user is fully prepared:
Documents to gather
What to avoid saying
Questions to ask
Rights + compliance reminders
📤 CSV Export (Client-Side + Admin)
Save generated letters
Save strategy summaries
Save negotiation scripts
📄 Print-Ready PDF (Browser Print Engine)
One-click export to a clean formatted PDF.
🎨 Modern WordPress UI
Clean, minimal, Elementor-ready
Responsive layouts
Professional color patterns
🧩 Shortcode Integration [debt_bot]
📦 Installation
Download the ZIP
Go to WordPress Admin → Plugins → Add New
Upload the ZIP
Activate
Add the shortcode to any page
📁 File Structure Overview smart-debt-negotiation-bot/ │ ├── smart-debt-negotiation-bot.php # Main plugin bootstrap ├── assets/ │ ├── css/ │ ├── js/ │ └── icons/ │ └── modules/ ├── ui/ ├── engine/ ├── export/ ├── utils/ └── security/
This tool is for educational and informational purposes only. It does not constitute legal, credit, or financial advice. Users should consult qualified professionals for legal or financial decisions.
🤝 Contributing
Pull requests are welcome! Please follow the existing:
Modular structure
Pattern rules
Docs Injection style
To maintain consistency.
📜 License
MIT License — open for personal and commercial use.
🎤 Your Tagline
“Debt stops feeling like a mountain. It starts feeling like a plan.”