# DebtPulse Creditor Negotiation

> DebtPulse Creditor Negotiation is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Returns creditor-specific hardship program scripts, negotiation tactics, and realistic outcome projections to help users negotiate debt relief directly with creditors.

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/negotiate
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-creditor-negotiation-ab97322e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5RrzT1DxqpdLjQ4vDOsE1

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-creditor-negotiation-ab97322e
```

Example prompt: I'm three months behind on my Citibank credit card with a $8,500 balance — can you pull up the hardship program options and give me a negotiation script I can use when I call them, including what realistic outcomes I should expect?

## When to prefer this

Use this endpoint when a user wants to negotiate directly with a specific creditor and needs tailored scripts, hardship program details, and outcome expectations — rather than evaluating settlement offers, bankruptcy, or consolidation options. Best when the user is still current or early delinquent and wants to proactively manage their account.

## Known failure modes

- Unknown or unsupported creditor name returns no matching program data
- Missing required inputs (creditor, balance) result in a 400 bad request
- Creditor policy data may be outdated if the provider has not refreshed it recently
- Payment failure for the $0.15 USDC x402 fee returns a 402 Payment Required
- Highly niche or regional creditors may return generic rather than creditor-specific scripts

## 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

The agent receives creditor-specific hardship program details, a structured negotiation script with exact talking points, recommended tactics tailored to that creditor, and a realistic outcome range (e.g. interest rate reduction, payment deferral, balance settlement percentage) based on the creditor's known practices.

## 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": "hardship-program | settlement | pay-for-delete | debt-validation | cease-comms"
      }
     }
    }
   },
   "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": "settlement",
  "script": "I have a lump sum available — can we settle this account?",
  "best_timing": "account 90-180 days delinquent",
  "get_it_in_writing": true,
  "typical_settlement_pct": 40,
  "settlement_success_rate": 0.62
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-creditor-negotiation-ab97322e/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)