# DebtPulse Debt Priority & Relief Options

> DebtPulse Debt Priority & Relief Options 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).

Returns a prioritized debt elimination plan including debt-to-income ratio, recommended relief approach, and ranked relief options for a given debt profile

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/priority
- 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-priority-relief-options-760f1f72
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_N-THeeRFF2bXDCCUbNCxI

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-relief-options-760f1f72
```

Example prompt: I have about $45,000 in total debt and my monthly debt payments are eating up 60% of my income — can you run my situation through DebtPulse and tell me what debt relief options I should prioritize and whether I should try credit counseling or something else?

## When to prefer this

Use this endpoint when you need a prioritized, ranked list of debt relief strategies and a top recommendation for a given debt situation, especially when you want a quick triage of options (DIY to bankruptcy) with a debt-to-income ratio assessment. Prefer this over mortgage-specific, tax-debt, or medical-bill sibling endpoints when dealing with general consumer debt across multiple categories.

## Known failure modes

- Missing or invalid PAYMENT-SIGNATURE header results in 402 Payment Required response
- Insufficient USDC balance or failed payment authorization blocks the request
- Malformed request parameters may return a 400 Bad Request
- Service unavailability returns 503; retry with backoff
- Empty or incomplete debt profile input may return generic rather than personalized recommendations

## 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 JSON object containing the user's total debt amount, debt-to-income ratio, the single top recommended relief approach (e.g. non-profit credit counseling), a free resource URL (e.g. NFCC.org), and an ordered array of relief options ranging from DIY payoff through bankruptcy.

## 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-relief-options-760f1f72/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)