# DebtPulse Consumer Debt Rights by Country

> DebtPulse Consumer Debt Rights by Country is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).

Returns consumer debt rights protections, regulatory frameworks, and complaint resources by country covering FDCPA, FCRA, UK FCA, and Australia ACCC

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/rights
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-consumer-debt-rights-by-country-0dea27ca
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Y_rB1FZG8IhOQ19gFjyQe

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-consumer-debt-rights-by-country-0dea27ca
```

Example prompt: What are my legal rights as a consumer dealing with debt collectors in the United States, and where can I file a complaint if a collector is harassing me?

## When to prefer this

Use this endpoint when a user needs jurisdiction-specific consumer debt rights information, especially around debt collection laws like FDCPA/FCRA (US), FCA (UK), or ACCC (Australia). Prefer this over general legal search when the user is specifically dealing with debt collectors or wants to understand their rights and how to file complaints.

## Known failure modes

- Country not supported — endpoint may only cover US, UK, and Australia
- Missing or invalid country parameter returns an error
- Regulatory information may be outdated if laws have changed recently
- Payment not processed (x402 protocol failure) returns 402 status

## 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

Returns a structured breakdown of consumer debt rights and protections for the requested country, including applicable laws (e.g. FDCPA, FCRA for US; FCA rules for UK; ACCC protections for Australia), specific consumer protections, prohibited collector behaviors, and links or references to official complaint resources and regulatory bodies.

## 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-consumer-debt-rights-by-country-0dea27ca/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)