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DebtPulse Collections Rights Lookup
x402
DebtPulse Collections Rights Lookup is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-13).
Returns FDCPA, FCA, and ACCC consumer protection rules plus ready-to-use debt validation letter and cease-and-desist templates for debt collection situations
Price / call$0.08
Success—
StatusUnknown
How this service works
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 any language response.
Output
A structured response containing applicable consumer protection rules under FDCPA (US), FCA (UK), and/or ACCC (Australia) relevant to the user's situation, along with ready-to-use debt validation letter and cease-and-desist letter templates the consumer can send to the collection agency.
Example use cases
Example prompt
“A debt collection agency keeps calling me about an old credit card debt — can you pull up my FDCPA protections and generate a cease-and-desist letter plus a debt validation letter I can send them?”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/collectionsWhen to prefer
Choose this endpoint when a user needs to understand their legal rights against debt collectors or needs ready-made legal letter templates (validation request or cease-and-desist). It covers multi-jurisdiction rules (US FDCPA, UK FCA, Australian ACCC) in a single call. Prefer this over the general consumer-debt-rights sibling endpoint when the specific use case is active debt collection harassment or disputing a collected debt.
Side effects
- Unsupported jurisdiction returns empty protections or error
- Missing jurisdiction parameter may return generic or incorrect protections
- Rate limiting or payment failure returns 402 or 429 status
- Network timeout if Vercel cold start is slow
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"action": "fdcpa",
"key_rights": [
"Cannot call before 8am or after 9pm",
"Must stop contact if requested in writing",
"Cannot threaten arrest"
],
"cfpb_complaint_url": "consumerfinance.gov/complaint",
"dispute_deadline_days": 30
}
}Tags
x402
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