pulsenetwork-mcp

debtpulse

Calculate debt payoff plans, negotiate with creditors, analyze settlement options, and access statute of limitations lookups for US, UK, Australia, and Canada.

Instructions

DebtPulse: Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for a

Coverage: Global

Endpoints: • payoff ($0.10): Payoff calculator • snapshot ($0.10): Debt burden snapshot • negotiate ($0.15): Creditor negotiation playbook • settle ($0.15): Debt settlement analysis • collections ($0.08): Debt collector rights • statute ($0.05): Statute of limitations lookup • garnishment ($0.08): Wage garnishment analysis • student ($0.12): Student loan strategy • credit ($0.10): Credit repair roadmap • build-credit ($0.10): Credit building strategy • dispute ($0.08): Credit dispute guide • insolvency ($0.20): Insolvency analysis • medical ($0.10): Medical bill negotiation • tax ($0.12): Tax debt relief • bnpl ($0.08): BNPL true cost analysis • payday ($0.10): Payday loan escape • mortgage-relief ($0.12): Mortgage relief options • consolidate ($0.10): Debt consolidation analysis • priority ($0.10): Multi-factor debt priority • rights ($0.05): Consumer debt rights • freedom-roadmap ($0.15): Debt freedom roadmap

Input Schema

TableJSON Schema

Name	Required	Description
`goal`	No	goal
`lang`	No	Response language (ISO 639-1 code). Claude responds natively in any language.
`type`	No	type
`debts`	No	JSON array: [{creditor, balance, rate, minPayment}]
`score`	No	score
`state`	No	US state code (e.g., TX, CA)
`action`	Yes	Which endpoint to call. Options: payoff \| snapshot \| negotiate \| settle \| collections \| statute \| garnishment \| student \| credit \| build-credit \| dispute \| insolvency \| medical \| tax \| bnpl \| payday \| mortgage-relief \| consolidate \| priority \| rights \| freedom-roadmap
`assets`	No	assets
`bureau`	No	bureau
`income`	No	Monthly income in USD
`lender`	No	lender
`method`	No	method
`balance`	No	Current balance in USD
`country`	No	Jurisdiction for country-specific rules and programs
`savings`	No	savings
`creditor`	No	Creditor name (e.g., Capital One, Chase, Midland Credit)
`fee_rate`	No	Fee rate (e.g., '$15 per $100')
`platform`	No	platform
`province`	No	CA province or AU state code
`servicer`	No	servicer
`collector`	No	Collection agency name
`debt_type`	No	debt_type
`homeowner`	No	homeowner
`insurance`	No	insurance
`loan_type`	No	Conventional \| FHA \| VA \| USDA
`negatives`	No	Comma-separated list of negative items
`situation`	No	situation
`goal_score`	No	goal_score
`amount_owed`	No	amount_owed
`bill_amount`	No	bill_amount
`credit_score`	No	credit_score
`last_payment`	No	Date of last payment (YYYY-MM-DD) for expiry calculation
`years_behind`	No	years_behind
`employer_type`	No	government \| nonprofit \| private (for PSLF eligibility)
`extra_payment`	No	Additional monthly payment amount in USD
`months_behind`	No	Number of months behind on payments
`negative_items`	No	negative_items
`payment_amount`	No	payment_amount
`payments_remaining`	No	payments_remaining

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedv1.1.1Jul 7, 2026

addedInput schema / properties / country

Added value: +{
+  "description": "Jurisdiction for country-specific rules and programs",
+  "type": "string"
+}

changedInput schema / properties / lang / description

Previous value: -"Response language code (en | es | fr | de | zh | hi | ar | pt | ja | ko | etc.)"New value: +"Response language (ISO 639-1 code). Claude responds natively in any language."

First observedv1.1.0Jun 24, 2026

TDQS

B3.2/5.0

Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description carries the full burden. It discloses the payment mechanism (x402, USDC on Base mainnet, PAYMENT-SIGNATURE header), pricing per endpoint, supported jurisdictions, and language support. However, it does not disclose return format, error behavior, side effects, or whether the tool makes external calls. The mention of 'intelligence' and endpoint names like 'playbook' gives some idea, but not enough.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is long (21 bullet points) but structured and front-loaded with payment and jurisdiction info. However, it contains a truncated sentence ('Add ?lang= for a') and redundancy ('Coverage: Global' contradicts the specific country list). While each bullet is informative, the overall verbosity and incomplete sentence detract from conciseness.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

This is a complex tool with 39 parameters and no output schema. The description lists endpoints and prices but does not explain how to use the parameters for each action, what the response structure looks like, or how errors are handled. For such a multi-action tool, the description is insufficient for an agent to correctly invoke all endpoints without additional inference.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema has 100% description coverage, but many descriptions are tautological (e.g., 'goal': 'goal', 'type': 'type'), providing little meaning. The tool description adds minimal parameter context: it mentions '?lang=' for language and the endpoint bullet names imply relevant parameters (e.g., payoff calculator likely uses 'debts', 'balance'), but it does not explicitly map parameters to endpoints. Baseline of 3 applies due to high schema coverage, and the description does not significantly elevate it.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool's domain ('Global debt elimination intelligence') and enumerates 21 specific endpoints (e.g., payoff, snapshot, negotiate), each with a one-line purpose like 'Payoff calculator' or 'Debt burden snapshot'. This gives a specific verb+resource for each action, but it doesn't explicitly distinguish the tool from sibling 'pulse' tools beyond the debt focus.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides important context: all endpoints require x402 payment via PAYMENT-SIGNATURE header, and jurisdictions are limited to US, UK, Australia, and Canada. The endpoint list implies usage scenarios (e.g., use 'payoff' for payoff calculations), but there is no explicit guidance on when to use this tool versus alternatives, nor any exclusions or comparison to sibling tools.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Deploy Server

debtpulse

Instructions

Input Schema

Schema Changelog

TDQS

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