Virtual Counselor

User: John
Bot: What's your last name John?

User: Smith
Bot: And what is the best phone number to contact you?

User: 305-555-1234
Bot: Is that a mobile telephone?

User: Yes/No
Bot: What type of Debt are you concerned about?

User: Credit Card Debt
Bot: How much do you owe?

User: Less than $3000
Bot: Good news: you don't need us. Here is some advice on how to continue.
(Start over)

User: $3000 or more
Bot: How often do you get paid?
User: Weekly/Bi-Weekly/Monthly
Bot: How much do you take home from your primary source of income?

User: $xx,xxxx
Bot: Any other source of income?

User: No
Bot: Do you rent or own your home?

User: Rent
Bot: How much is the rent?
User: $xxxxx.xx
Bot: How much for rental insurance?
User: $0.00
Bot: How much for maintenance or repairs?

User: Own
Bot: How much for mortgage?
User: $xxxx
Bot: Does this payment include real estate taxes and insurance?

User: Yes
Bot: HOA fees?

User: No
Bot: How much for insurance?
User: $xxxx
Bot: How much for real estate taxes?
User: $xxx
Bot: HOA fees?

User: $xxxx
Bot: How much for maintenance or repairs?

User: $xxx
Bot: How much do you spend on Electricity?
User: $xxx
Bot: Water?
User: $xxx
Bot: Gas/Oil Heating?
User: $xxx
Bot: Cellular?
User: $xxx
Bot: Telephone landline?
User: $xxx
Bot: TV/Internet bundle?

User: $xxx
Bot: Groceries?

User: $xxxx
Bot: Eating out?
User: $xxxx
Bot: Car/Boat/Bike Payments?

User: $xxx
Bot: Any other Car/Boat/Bike payment?

User: No
Bot: Insurance?
User: $xxx
Bot: Repairs/Maintenance?
User: $xxxx
Bot: Gas?
User: $xxxx
Bot: Parking/Tolls?
User: $xxxx
Bot: Bus Fare?

User: $xxxx
Bot: Life Insurance?
User: $xxx
Bot: Health Insurance?
User: $xxx
Bot: Medical Bills?
User: $xxx
Bot: Prescription medications?
User: $xxx
Bot: ....
User: $xxxx
Bot: Can we pull your credit report?

User: yes
Bot: SSN?
User: xxxxxxxx

Bot: Unfortunately you lied to us. Bye.
(Start over)

Bot: For every account: can we submit account X to the program?
User: Yes/No

Bot: We are done here. Good bye.
(Start over)

User: no
Bot: You are a disgrace. Good bye.
(Start over)

User: Yes
Bot: How much?

User: $0.00
Bot: Bus fare?

User: $0
Bot: Internet?
User: $xxx
Bot: TV?
User: $xxx
Bot: Groceries?

User: Yes
Bot: How much do you take home?