# DebtPulse Debt Settlement Analysis

> 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 2026-09-15).

Returns realistic debt settlement percentages, negotiation scripts, tax implications of forgiven debt, and red flags to avoid for a given debt situation

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/settle
- Price: $0.15/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-settlement-analysis-601f794d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_m_j6wp84a39BZGFTcJf-Z

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-settlement-analysis-601f794d
```

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?

## When to prefer this

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

## Known failure modes

- 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

## 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 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

## 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": "hardship-program | settlement | pay-for-delete | debt-validation | cease-comms"
      }
     }
    }
   },
   "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": {
  "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-debt-settlement-analysis-601f794d/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)