PulseNetwork • x402 • Base Mainnet
DebtPulse
Global debt elimination intelligence. From payoff math to creditor scripts to insolvency options — structured JSON, pay per query, in any language.
Global coverage: All endpoints adapt to jurisdiction. Student loans (US IDR/PSLF, UK Plan 1–5, AU HECS, CA RAP), insolvency (Chapter 7/13, IVA, Consumer Proposal, Part IX), tax debt (IRS, HMRC, CRA, ATO), consumer rights (FDCPA, FCA, ACCC, PIPEDA). Add ?lang=fr (or any language) for native-language responses.
Strategy
/api/debt/payoffAvalanche / snowball / hybrid payoff math with exact amortization and payoff dates$0.10
/api/debt/snapshotFull debt burden assessment — DTI ratio, burden score, danger flags, priority actions$0.10
/api/debt/priorityMulti-factor debt priority ranking — legal risk, SOL, rate, collateral, account health$0.10
/api/debt/consolidatePersonal loan vs balance transfer vs HELOC with specific lender recommendations$0.10
/api/debt/freedom-roadmapPhase-by-phase debt freedom plan + 10-year wealth projection post-payoff$0.15
Negotiation & Collections
/api/debt/negotiateCreditor negotiation playbook with hardship program scripts by named creditor$0.15
/api/debt/settleSettlement analysis — realistic percentages, scripts, tax implications, red flags$0.15
/api/debt/collectionsConsumer rights + validation letter + cease-and-desist templates by country$0.08
/api/debt/statuteSOL lookup — zombie debt detection, expiry date, reset risk warnings$0.05
/api/debt/garnishmentWage garnishment rules — exempt states/countries, protected amounts, how to object$0.08
/api/debt/rightsConsumer debt rights by jurisdiction — FDCPA, FCA, ACCC, complaint resources$0.05
Student & Education Debt
/api/debt/student?country=USIDR comparison (SAVE/PAYE/IBR), PSLF eligibility, forgiveness math$0.12
/api/debt/student?country=UKPlan 1/2/3/4/5 identification, write-off timelines, overpayment trap$0.12
/api/debt/student?country=AUHECS/HELP strategy, CPI indexation impact, voluntary repayment analysis$0.12
/api/debt/student?country=CACSL + provincial strategy, Repayment Assistance Plan (RAP) eligibility$0.12
Credit
/api/debt/creditCredit repair roadmap — dispute strategy, negative item timelines, by country$0.10
/api/debt/build-creditCredit building strategy — secured cards, builder loans, realistic milestones$0.10
/api/debt/disputeDispute letter templates + bureau process + escalation path by country$0.08
Formal Relief & Insolvency
/api/debt/insolvency?country=USChapter 7 vs 13 — means test, exemptions, process, life after bankruptcy$0.20
/api/debt/insolvency?country=UKIVA vs DRO vs bankruptcy vs Scottish Trust Deed — eligibility and process$0.20
/api/debt/insolvency?country=CAConsumer Proposal vs bankruptcy — why CP is usually better, LIT process$0.20
/api/debt/insolvency?country=AUPart IX vs Part X vs bankruptcy — AFSA process and consequences$0.20
Specialized Debt Types
/api/debt/medicalMedical bill negotiation — charity care, No Surprises Act, itemized bill audit$0.10
/api/debt/tax?country=USIRS Fresh Start, OIC pre-qualifier, installment agreement, CNC status$0.12
/api/debt/tax?country=UKHMRC Time to Pay, penalty reduction, business payment support$0.12
/api/debt/bnplBNPL true APR + escape strategy — Klarna, Afterpay, Affirm, Zip$0.08
/api/debt/paydayPayday loan exit — true APR, extended payment plans, ACH revocation$0.10
/api/debt/mortgage-reliefMortgage forbearance, loan modification, foreclosure alternatives by country$0.12
x402 Micropayment Protocol
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