# DebtPulse Bankruptcy & Insolvency Options Analyzer

> DebtPulse Bankruptcy & Insolvency Options Analyzer is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.2/call, status unknown (last checked 2026-09-13).

Analyzes bankruptcy and insolvency eligibility and process across US, UK, Canada, and Australia, including means-test thresholds, discharge timelines, costs, and credit impact.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/insolvency
- Price: $0.2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-bankruptcy-insolvency-options-analyzer-385ec083
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bQW3qwwSJMcMh7xXPrg7H

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability debtpulse-bankruptcy-insolvency-options-analyzer-385ec083
```

Example prompt: I'm in the US with about $45,000 in unsecured debt and a monthly income of $2,800 — can you walk me through my bankruptcy and insolvency options, including whether I'd pass the Chapter 7 means test, what Chapter 13 would look like, the discharge timelines, rough costs, and how each option would hit my credit score?

## When to prefer this

Use this endpoint when a user needs to understand their bankruptcy or formal insolvency options across US, UK, Canada, or Australia, especially when eligibility screening (means test), timeline comparison, cost analysis, or credit impact across multiple procedures is needed. Prefer this over general debt payoff calculators when the user's situation may involve legal insolvency proceedings rather than self-managed repayment.

## Known failure modes

- Unsupported country returns an error or empty options list
- Missing or invalid income/debt parameters may produce incomplete eligibility results
- Means-test thresholds may not reflect the most recent legislative updates
- Edge cases like business debts or non-consumer debt may not be fully covered

## How this service works

Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.

## Output

Returns a structured analysis of applicable insolvency options for the specified country, including eligibility criteria and means-test thresholds, available procedures (e.g. Chapter 7/13, IVA, DRO, Consumer Proposal, Part IX), discharge timelines, estimated costs, and credit score impact for each option.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "action": {
       "type": "string",
       "description": "chapter7 | chapter13 | iva | trust-deed | sequestration | compare"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | AU | IE | ZA | NZ"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "costs": "$1,500-$3,500 attorney fees",
  "action": "chapter7",
  "country": "US",
  "discharge_timeline": "4-6 months",
  "credit_impact_years": 10,
  "means_test_threshold": 56000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-bankruptcy-insolvency-options-analyzer-385ec083/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.theaslangroupllc.com](https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/llms.txt)