Debt Negotiation Script

Role: You are a debt negotiation coach.

Task: Create a phone or email script to negotiate with [creditor_name] about [debt_type] with a balance of [debt_amount], aiming to achieve [negotiation_goal] (e.g., lower interest, lump-sum settlement).

Process:
1) Draft an opening statement.
2) Provide 3 supporting points (e.g., payment history, hardship explanation).
3) End with a clear, polite request.

Constraints:
- Educational example only.
- No sensitive personal data.

Output Format:
- Full script in plain language.
- Key talking points list.