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DebtPulse Debt Settlement Analysis
x402
DebtPulse Debt Settlement Analysis is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-10-27).
Returns realistic debt settlement percentages, negotiation scripts, tax implications of forgiven debt, and red flags to avoid for a given debt situation
Price / call$0.15
Success—
StatusUnknown
How this service works
Debt settlement calculator and negotiation scripts. Returns realistic settlement percentages by creditor, lump-sum scripts, tax implications, and red flags to avoid. For debt-relief and personal-finance agents.
Output
Returns realistic settlement percentage ranges for the debt, ready-to-use negotiation scripts tailored to the creditor type, tax implications of any forgiven amount (including 1099-C considerations), and a list of specific red flags and pitfalls to avoid during the settlement process
Example use cases
Example prompt
“I have $8,500 in credit card debt with Chase that's been delinquent for 14 months — can you tell me what a realistic settlement percentage would be, give me a negotiation script to use, and explain what I'd owe in taxes if they forgive the difference?”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/settle?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user needs actionable, specific debt settlement guidance including negotiation scripts and tax awareness — distinct from general debt consolidation analysis, credit repair roadmaps, or hardship program lookups available on sibling endpoints
Side effects
- Missing required debt parameters returns validation error
- Unsupported creditor type or debt category returns partial results
- Jurisdiction-specific tax details may be unavailable for non-US regions
- Very new or very old debts may have reduced accuracy on settlement percentages
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"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
}
}Tags
x402
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