# DebtPulse Collections Rights Lookup

> 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

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/collections
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-collections-rights-lookup-4b1a1741
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TdZFETaG_FmOAp38g_mN9

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-collections-rights-lookup-4b1a1741
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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": "fdcpa | fcra | state-protections | dispute-process | harassment | statute-of-limitations"
      }
     }
    }
   },
   "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": {
  "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-collections-rights-lookup-4b1a1741/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)