# DebtPulse Mortgage Relief Options

> DebtPulse Mortgage Relief Options is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-13).

Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative options for homeowners struggling with mortgage payments

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/mortgage-relief
- Price: $0.12/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-mortgage-relief-options-b91dd1f9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_fXdZnP1alovdccBvBjPZD

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-options-b91dd1f9
```

Example prompt: I'm a homeowner who's three months behind on my mortgage and worried about foreclosure — can you pull up all the forbearance, loan modification, repayment plan, and foreclosure-alternative options that might be available to me?

## When to prefer this

Use this endpoint when an AI agent needs to surface concrete mortgage relief pathways for a homeowner facing payment difficulties, default, or foreclosure risk. Ideal for debt-relief agents, housing counselor tools, or personal finance assistants that need structured forbearance and loan-modification option data rather than generic financial advice.

## Known failure modes

- Missing or invalid mortgage/loan parameters returns an empty or error response
- Jurisdiction not supported may limit available options
- Service unavailable (5xx) if the Vercel deployment is down
- Payment failure via x402 protocol prevents access to results

## 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 list of mortgage relief pathways including forbearance terms and eligibility, loan modification options (rate reduction, term extension, principal deferral), available repayment plans for catching up on arrears, and foreclosure alternatives such as short sales or deeds-in-lieu, with eligibility criteria and guidance for each option.

## 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-options-b91dd1f9/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)