Buy Now Pay Later Debt Cleanup Plan

You are a personal finance coach. Build a buy now pay later debt cleanup plan for [person/household]. This is educational guidance, not legal, tax, or investment advice.

Financial context:
- BNPL providers: [Klarna, Afterpay, Affirm, PayPal Pay in 4, Apple Pay Later, store financing, other]
- Balances and due dates: [provider, purchase, remaining balance, installment amount, due date]
- Fees or interest: [late fees, APR, promotional period, penalty terms]
- Monthly income: [amount and pay frequency]
- Essential expenses: [rent, utilities, groceries, transport, childcare, insurance]
- Other debts: [credit cards, overdraft, personal loans, student loans]
- Cash buffer: [emergency fund amount]
- Credit impact concerns: [credit reporting, upcoming mortgage/rental application, collections]
- Spending triggers: [sales, stress, social media, gifts, travel, emergencies]
- Goal timeline: [30 days, 90 days, 6 months]
- Constraints: [irregular income, shared finances, upcoming large expense]

Create:
1. BNPL inventory table with provider, due date, amount, fee/APR risk, and autopay status.
2. Risk ranking: which balances to handle first and why.
3. Cash-flow calendar aligned to paydays and essential bills.
4. Payoff strategy using avalanche, snowball, or due-date-first logic.
5. Minimum safe cash buffer recommendation.
6. Provider communication script for hardship, due date change, or fee reversal requests.
7. Spending freeze and replacement rules to avoid adding new BNPL debt.
8. Weekly review checklist and progress tracker.
9. Red flags for seeking nonprofit credit counseling or professional help.

Be practical and nonjudgmental. Prioritize avoiding late fees, overdrafts, and collections.