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DebtPulse Insolvency Analysis
x402
DebtPulse Insolvency Analysis is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.2/call, status unknown (last checked 2026-09-13).
Returns eligibility criteria, process steps, and key considerations for insolvency options including US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX
Price / call$0.2
Success—
StatusUnknown
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
A structured analysis covering eligibility requirements, step-by-step process, asset treatment, discharge timelines, and key trade-offs for the relevant insolvency option(s) in the user's jurisdiction — covering US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, or Australia Part IX as applicable.
Example use cases
UK debt relief eligibility comparison
“I'm drowning in credit card debt here in the UK with barely any income — should I pursue an Individual Voluntary Arrangement or would a Debt Relief Order be more suitable for my situation? What's the actual difference between them?”
Canadian Consumer Proposal qualification check
“I'm a Canadian resident with about $60,000 in unsecured debt and I've heard a Consumer Proposal might be an alternative to bankruptcy — can you explain if I'd likely qualify, how long it takes, and what the process involves?”
Australian insolvency pathway and asset protection
“I'm in Australia with significant debt and own a house and car — walk me through what happens to my assets under Part IX, whether I keep my home, and how this option compares to other insolvency paths available to me.”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/insolvencyWhen to prefer
Use this endpoint when a user needs structured insolvency pathway guidance across major English-speaking jurisdictions — especially when comparing formal bankruptcy options (Chapter 7 vs 13, IVA vs DRO) or assessing eligibility. Prefer this over generic debt advice endpoints when the user is explicitly asking about legal insolvency procedures rather than debt settlement, consolidation, or collections rights.
Side effects
- Unsupported jurisdiction — endpoint may not cover countries outside US, UK, Canada, and Australia
- Missing or ambiguous jurisdiction input leading to generic rather than country-specific guidance
- Highly specific edge-case scenarios (e.g. business debts mixed with personal) may return incomplete analysis
- Payment failure or insufficient USDC balance returns 402 error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"costs": "$1,500-$3,500 attorney fees",
"action": "chapter7",
"country": "US",
"discharge_timeline": "4-6 months",
"credit_impact_years": 10,
"means_test_threshold": 56000
}
}Tags
x402
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