# DebtPulse Consumer Debt Rights & FDCPA/FCRA Info

> DebtPulse Consumer Debt Rights & FDCPA/FCRA Info is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Returns consumer protection rights under FDCPA, FCRA, UK FCA, and Australia ACCC by country, including complaint resources for debt collection abuses

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/rights
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-consumer-debt-rights-fdcpa-fcra-info-6e901ba2
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_WgDkNIw9Nr7WIffXUP-yt

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-fdcpa-fcra-info-6e901ba2
```

Example prompt: What are my rights under the FDCPA and FCRA if a debt collector keeps calling me late at night in the US, and how do I file a complaint against them?

## When to prefer this

Use this endpoint when a user needs to understand their legal rights regarding debt collection, credit reporting protections, or wants to know how to file a complaint against a collector. Ideal for consumer-rights agents, debt-relief chatbots, or financial advisory tools serving US, UK, or Australian consumers. Prefer this over general legal search when jurisdiction-specific FDCPA/FCRA/FCA/ACCC guidance is needed.

## Known failure modes

- Unsupported country returns empty or generic response
- Ambiguous or missing country parameter may default to US law only
- Regulatory content may not reflect the most recent legislative changes
- No case-specific legal advice — information is general and educational only

## How this service works

Debt collection rights and consumer-protection laws (FDCPA / FCRA). Covers US FDCPA and FCRA, UK FCA, and Australia ACCC protections by country, with complaint resources. For consumer-rights and debt-relief agents.

## Output

A structured response detailing consumer protection rights applicable to the specified country (US FDCPA/FCRA, UK FCA, or Australia ACCC), including what collectors can and cannot do, protections available to the consumer, 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-fdcpa-fcra-info-6e901ba2/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)