# DebtPulse

> Global debt elimination intelligence API. Payoff math, creditor negotiation scripts, settlement analysis, statute of limitations lookup, student loan strategy (US/UK/AU/CA), credit repair, insolvency analysis, tax debt relief, BNPL escape, and debt-to-wealth roadmaps — all via x402 micropayments on Base.

## What This Is

DebtPulse is a pay-per-query API that delivers structured, actionable debt intelligence for consumers, financial advisors, and AI agents worldwide. Every response is generated by Claude using real-time web research (Tavily), live macro data (FRED), and a hardcoded statute of limitations table covering all 50 US states and 4 major international jurisdictions.

Global coverage: endpoints adapt to US, UK, Australia, and Canada by jurisdiction. Student loans, insolvency, tax debt relief, credit systems, and consumer rights all vary by country — DebtPulse handles each correctly.

## Payment

All endpoints require x402 micropayment (USDC on Base mainnet).
Protocol: x402 | Network: eip155:8453 | Asset: USDC
Payment address: 0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc

To use: send a GET request without a PAYMENT-SIGNATURE header to receive a 402 response. Sign the payment and retry with the PAYMENT-SIGNATURE header.

## Language Support

Add ?lang= to any endpoint for native-language responses (French, Spanish, German, Japanese, Hindi, Mandarin, etc.). Claude responds natively in any language at no additional cost.

## Endpoints

GET /api/debt/payoff?debts=JSON&extra_payment=N — avalanche/snowball/hybrid comparison with exact math — $0.10
GET /api/debt/snapshot?debts=JSON&income=N&country=US — debt burden score, DTI, danger flags — $0.10
GET /api/debt/priority?debts=JSON&country=US — multi-factor priority ranking (legal risk → SOL → collateral → rate) — $0.10
GET /api/debt/consolidate?debts=JSON&credit_score=N&country=US — personal loan vs balance transfer vs HELOC — $0.10
GET /api/debt/freedom-roadmap?debts=JSON&income=N&country=US — phase-by-phase freedom plan + 10yr wealth projection — $0.15
GET /api/debt/negotiate?creditor=NAME&balance=N&months_behind=N — hardship program scripts by named creditor — $0.15
GET /api/debt/settle?creditor=NAME&balance=N&months_behind=N — settlement percentages, scripts, tax implications — $0.15
GET /api/debt/collections?country=US&collector=NAME — FDCPA/FCA/ACCC rights + letter templates — $0.08
GET /api/debt/statute?debt_type=credit_card&state=TX&last_payment=YYYY-MM-DD — SOL lookup + zombie debt detection — $0.05
GET /api/debt/garnishment?country=US&state=TX&debt_type=credit_card — wage garnishment exemptions + objection guide — $0.08
GET /api/debt/rights?country=US — consumer debt rights by jurisdiction — $0.05
GET /api/debt/student?country=US|UK|AU|CA&balance=N&type=federal — multi-country student loan strategy — $0.12
GET /api/debt/credit?score=N&country=US&negatives=TEXT — credit repair roadmap by country — $0.10
GET /api/debt/build-credit?score=N&country=US — credit building strategy + product recommendations — $0.10
GET /api/debt/dispute?country=US&negative_items=TEXT — dispute letters + bureau process + escalation — $0.08
GET /api/debt/insolvency?country=US|UK|CA|AU&income=N&debts=N — Chapter 7/13, IVA, Consumer Proposal, Part IX — $0.20
GET /api/debt/medical?bill_amount=N&situation=uninsured — charity care, No Surprises Act, negotiation scripts — $0.10
GET /api/debt/tax?country=US|UK|CA|AU&amount_owed=N — IRS/HMRC/CRA/ATO relief programs — $0.12
GET /api/debt/bnpl?platform=Affirm&balance=N — BNPL true APR + escape strategy — $0.08
GET /api/debt/payday?balance=N&state=TX — payday loan exit + EPP rights + ACH revocation — $0.10
GET /api/debt/mortgage-relief?country=US&months_behind=N — forbearance, modification, foreclosure alternatives — $0.12

## Discovery

- OpenAPI spec: https://debtpulse.vercel.app/openapi.json
- Agent discovery: https://debtpulse.vercel.app/.well-known/agent.json

## Notes for AI Agents

- All responses are structured JSON
- Disclaimer appended automatically to every response
- SOL table hardcoded: all 50 US states + UK, CA provinces, AU states
- FRED data activates when FRED_API_KEY is set — degrades gracefully without it
- Part of PulseNetwork — 35 intelligence verticals