# DebtPulse Mortgage Relief & Foreclosure Prevention Lookup

> DebtPulse Mortgage Relief & Foreclosure Prevention Lookup is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-14).

Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative options based on country and loan type for homeowners facing mortgage distress.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/mortgage-relief
- Price: $0.12/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-mortgage-relief-foreclosure-prevention-lookup-9e02388a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_uOjg4lQL_5-XNl0sYYoWe

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-mortgage-relief-foreclosure-prevention-lookup-9e02388a
```

Example prompt: I'm a US homeowner with a conventional loan and I've missed two payments — what forbearance, loan modification, and foreclosure-prevention options are available to me right now?

## When to prefer this

Use this endpoint when a homeowner agent or debt-relief agent needs to surface structured mortgage relief options — specifically forbearance, loan modification, repayment plans, or foreclosure alternatives — for a given country and loan type. Prefer this over generic financial advice endpoints when the user is specifically facing mortgage distress or foreclosure risk.

## Known failure modes

- Unsupported country or loan type returns empty or error response
- Missing required parameters (country, loan type) results in 400-level error
- Stale or outdated program data may not reflect recent policy changes
- Network timeout or service unavailability returns 5xx error

## How this service works

Mortgage relief and foreclosure-prevention options. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative paths by country and loan type. For debt-relief and homeowner agents.

## Output

A structured set of mortgage relief paths including forbearance programs, loan modification eligibility criteria, repayment plan options, and foreclosure alternative strategies (such as short sales or deeds-in-lieu), filtered by the user's country and loan type.

## 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-mortgage-relief-foreclosure-prevention-lookup-9e02388a/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)