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DebtPulse Debt Priority Ranking
x402
DebtPulse Debt Priority Ranking is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-28).
Ranks a user's debts by multi-factor priority including legal risk, statute of limitations status, interest rate, collateral, and account health
Price / call$0.1
Success—
StatusUnknown
How this service works
Which debt to pay off first: multi-factor debt priority ranking. Ranks every debt by legal risk, statute-of-limitations status, interest rate, collateral, and account health. For debt-relief and personal-finance agents.
Output
Returns a ranked list of the user's debts ordered by composite priority score, with breakdowns of each debt's legal risk level, statute of limitations status, interest rate rank, collateral exposure, and account health indicators — helping the agent communicate a clear, actionable payoff order.
Example use cases
Example prompt
“I have four debts — a $4,200 credit card at 24% APR that's 90 days past due, a $1,500 medical bill in collections, a $12,000 auto loan with the car as collateral, and a $800 payday loan from 3 years ago that might be past the statute of limitations in my state — can you rank them by which I need to deal with most urgently, factoring in legal risk and my overall account health?”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/priority?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user has multiple debts and needs a structured, multi-factor prioritization rather than a simple avalanche or snowball approach — especially when legal risk, statute of limitations, or collateral exposure are relevant factors that a basic rate-sorting tool would miss.
Side effects
- Missing or malformed debt input data returns a 400 error
- Payment not received results in 402 response
- Insufficient debt details to compute statute status may return partial rankings
- Server errors on Vercel infrastructure return 500
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"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)"
]
}
}Tags
x402
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