debtpulse
Analyze and strategize debt elimination with payoff calculators, creditor negotiation playbooks, settlement analysis, and consumer rights guides. Supports US, UK, AU, CA.
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 ($0.10): Creditor negotiation playbook • settle ($0.10): Debt settlement analysis • collections ($0.10): Debt collector rights • statute ($0.10): Statute of limitations lookup • garnishment ($0.10): Wage garnishment analysis • student ($0.10): Student loan strategy • credit ($0.10): Credit repair roadmap • build-credit ($0.10): Credit building strategy • dispute ($0.10): Credit dispute guide • insolvency ($0.10): Insolvency analysis • medical ($0.10): Medical bill negotiation • tax ($0.10): Tax debt relief • bnpl ($0.10): BNPL true cost analysis • payday ($0.10): Payday loan escape • mortgage-relief ($0.10): Mortgage relief options • consolidate ($0.10): Debt consolidation analysis • priority ($0.10): Multi-factor debt priority • rights ($0.10): Consumer debt rights • freedom-roadmap ($0.10): Debt freedom roadmap
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| 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 | |
| lang | No | Response language code (en | es | fr | de | zh | hi | ar | pt | ja | ko | etc.) | |
| debts | No | JSON array: [{creditor, balance, rate, minPayment}] | |
| extra_payment | No | Additional monthly payment amount in USD | |
| method | No | method | |
| income | No | Monthly income in USD | |
| creditor | No | Creditor name (e.g., Capital One, Chase, Midland Credit) | |
| balance | No | Current balance in USD | |
| months_behind | No | Number of months behind on payments | |
| debt_type | No | debt_type | |
| collector | No | Collection agency name | |
| situation | No | situation | |
| state | No | US state code (e.g., TX, CA) | |
| province | No | CA province or AU state code | |
| last_payment | No | Date of last payment (YYYY-MM-DD) for expiry calculation | |
| type | No | type | |
| employer_type | No | government | nonprofit | private (for PSLF eligibility) | |
| score | No | score | |
| negatives | No | Comma-separated list of negative items | |
| goal | No | goal | |
| goal_score | No | goal_score | |
| negative_items | No | negative_items | |
| bureau | No | bureau | |
| assets | No | assets | |
| bill_amount | No | bill_amount | |
| insurance | No | insurance | |
| amount_owed | No | amount_owed | |
| years_behind | No | years_behind | |
| platform | No | platform | |
| payments_remaining | No | payments_remaining | |
| payment_amount | No | payment_amount | |
| fee_rate | No | Fee rate (e.g., '$15 per $100') | |
| lender | No | lender | |
| servicer | No | servicer | |
| loan_type | No | Conventional | FHA | VA | USDA | |
| credit_score | No | credit_score | |
| homeowner | No | homeowner | |
| savings | No | savings |