# DebtPulse Statute of Limitations Lookup

> 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

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/statute
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-statute-of-limitations-lookup-76487be4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_JCxE5qt389VctvDnWJO_Q

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-statute-of-limitations-lookup-76487be4
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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": {
      "state": {
       "type": "string",
       "description": "TX | CA | NY | FL | OH | IL | GA | NC"
      },
      "action": {
       "type": "string",
       "description": "lookup | last-payment-date | zombie-debt | judgment"
      },
      "debt_type": {
       "type": "string",
       "description": "credit-card | medical | personal-loan | auto | student"
      }
     }
    }
   },
   "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": {
  "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-statute-of-limitations-lookup-76487be4/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)