# DebtPulse Insolvency Analysis

> 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 2026-09-16).

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

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/insolvency
- Price: $0.2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-insolvency-analysis-b13e28fc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Wz_ZGOBYoBVFv_pWLOX7h

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-insolvency-analysis-b13e28fc
```

Example prompt: I'm overwhelmed with $45,000 in unsecured debt and live in the US — can you walk me through whether I'd qualify for Chapter 7 or Chapter 13 bankruptcy, what the process looks like, and what happens to my car and savings?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.

## 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.

## 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": "chapter7 | chapter13 | iva | trust-deed | sequestration | compare"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | AU | IE | ZA | NZ"
      }
     }
    }
   },
   "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": {
  "costs": "$1,500-$3,500 attorney fees",
  "action": "chapter7",
  "country": "US",
  "discharge_timeline": "4-6 months",
  "credit_impact_years": 10,
  "means_test_threshold": 56000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-insolvency-analysis-b13e28fc/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)