# DebtPulse Debt Priority Ranking

> 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 2026-09-15).

Ranks a user's debts by multi-factor priority including legal risk, statute of limitations status, interest rate, collateral, and account health

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/priority
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-priority-ranking-059860de
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_q2StWwZE00Tqo02X6xnI7

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-priority-ranking-059860de
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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 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.

## 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-priority-ranking-059860de/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)