# DebtPulse Debt Burden Snapshot

> DebtPulse Debt Burden Snapshot is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-16).

Analyzes a user's debt burden, returns a full debt-to-income assessment with danger flags, priority action recommendations, and live macro interest rate context.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/snapshot
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-burden-snapshot-240b0caf
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_XP3JEpGjBG3JDVdn_FB4y

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-debt-burden-snapshot-240b0caf
```

Example prompt: Can you run a full debt burden snapshot for me? I have $18,000 in credit card debt at 24% APR, a $12,000 car loan at 7%, and a $45,000 student loan at 5.5%, with a monthly gross income of $5,200 — tell me my debt-to-income ratio, any danger flags, and what I should tackle first.

## When to prefer this

Use this endpoint when a user needs a holistic, top-level debt health assessment — a single snapshot covering DTI, risk flags, and prioritized actions — rather than a strategy specific to one debt type (e.g. student loans, mortgage, or payday loans, which have dedicated sibling endpoints). Best as a first-call triage for debt-relief agents or personal finance workflows.

## Known failure modes

- Missing required income or debt inputs returns a 400 validation error
- Malformed numeric values (e.g. non-numeric debt amounts) cause a parse error
- Upstream macro rate data unavailability may result in partial response without live rate context
- Rate limiting or payment failure returns a 402 or 429 error

## How this service works

Debt burden assessment and debt-to-income snapshot. Returns a full burden analysis, danger flags, and the priority actions to take first, with live macro rate context. For debt-relief and personal-finance agents.

## Output

Returns a comprehensive debt burden analysis including debt-to-income ratio calculation, danger flags (e.g. high DTI, high-APR debt concentration), prioritized action recommendations, and live macroeconomic interest rate context to inform next steps.

## 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": "analyze | relief-options | free-resources"
      },
      "income": {
       "type": "string"
      },
      "total_debt": {
       "type": "string"
      }
     }
    }
   },
   "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": {
  "total_debt": 45000,
  "recommended": "Non-profit credit counseling",
  "free_resource": "NFCC.org",
  "debt_to_income": 0.6,
  "relief_options": [
   "DIY payoff plan",
   "Non-profit credit counseling (free)",
   "Debt management plan",
   "Bankruptcy (last resort)"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-debt-burden-snapshot-240b0caf/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)