# DebtPulse Debt Settlement Calculator & Negotiation Scripts

> DebtPulse Debt Settlement Calculator & Negotiation Scripts is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-14).

Returns realistic settlement percentages by creditor, lump-sum negotiation scripts, tax implications of forgiven debt, and red flags to avoid when settling debt.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/settle
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-settlement-calculator-negotiation-scripts-0c89877d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_4nS8qf8EzkMgnaHT1iH5f

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-calculator-negotiation-scripts-0c89877d
```

Example prompt: I owe $12,000 on an old Chase credit card that's been in collections for 18 months — can you tell me what settlement percentage is realistic, give me a lump-sum script to use when I call them, and explain what taxes I'd owe on any forgiven amount?

## When to prefer this

Choose this endpoint when a user needs creditor-specific settlement percentage estimates, ready-to-use lump-sum negotiation scripts, or guidance on tax consequences of debt forgiveness. Prefer this over generic financial advice endpoints when the use case is specifically debt settlement negotiation rather than bankruptcy, credit repair, or debt consolidation.

## Known failure modes

- Unrecognized creditor name returns generic settlement ranges rather than creditor-specific data
- Missing debt amount or debt type may produce incomplete scripts
- Older or atypical debt types may return reduced confidence in settlement estimates
- API returns error if required parameters are absent
- Rate limiting or payment failure returns 402 status

## 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

The agent receives realistic settlement percentage ranges for the specified creditor, word-for-word lump-sum negotiation scripts tailored to the situation, an explanation of tax implications (e.g. IRS Form 1099-C and insolvency exclusions), and a list of red flags or common scams 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-calculator-negotiation-scripts-0c89877d/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)