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DebtPulse Statute of Limitations Lookup
x402
DebtPulse Statute of Limitations Lookup is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-15).
Returns the statute of limitations (SOL) status, zombie-debt detection flags, and credit-report timeline for a given debt by jurisdiction
Price / call$0.05
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
Returns the statute of limitations status for the specified debt (active, expired, or borderline), a zombie-debt detection flag indicating whether a collector is attempting to revive legally unenforceable debt, the jurisdiction-specific SOL period and expiration date, and the credit-report removal timeline under FCRA or equivalent local rules.
Example use cases
Example prompt
“I have a credit card debt from Capital One in California that was last active in March 2018 — can you check if it's past the statute of limitations, whether it's zombie debt, and how long it can still show on my credit report?”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/statuteWhen to prefer
Use this endpoint when a consumer-rights or debt-relief agent needs to quickly determine whether a debt is legally collectible under the applicable statute of limitations, identify zombie-debt collection attempts, or advise on how long a debt will remain on a credit report — especially when jurisdiction-specific legal rules matter.
Side effects
- Unsupported jurisdiction returns an error or null SOL data
- Missing debt type or origination date may cause incomplete results
- Edge-case debt categories (e.g. tribal lender debts) may not be covered
- Ambiguous account dates may result in conservative/worst-case SOL estimates
- API may return stale SOL data if underlying legal rules have recently changed
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"state": "TX",
"debt_type": "credit-card",
"sol_years": 4,
"clock_starts": "date of last payment or charge",
"credit_report_years": 7,
"zombie_debt_warning": "Any payment resets the clock"
}
}Tags
x402
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