# DebtPulse Tax Debt Relief Guide

> DebtPulse Tax Debt Relief Guide is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-14).

Returns structured guidance on tax debt relief programs including IRS Fresh Start, HMRC Time to Pay, CRA Taxpayer Relief, and ATO hardship provisions for multiple jurisdictions

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/tax
- 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-tax-debt-relief-guide-3d29e548
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_fVCdK5GkS-wr99O2KCkey

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-tax-debt-relief-guide-3d29e548
```

Example prompt: I owe about $18,000 in back taxes to the IRS and I'm struggling to pay — can you look up what Fresh Start program options I qualify for, including installment agreements and offer in compromise, and walk me through the steps to apply?

## When to prefer this

Use this endpoint when a user needs actionable guidance on resolving overdue tax obligations with government authorities across US, UK, Canada, or Australia — especially when they need to understand structured payment plans, penalty abatement, or hardship relief programs rather than general financial debt advice

## Known failure modes

- Missing or unsupported jurisdiction returns no matching programs
- Ambiguous taxpayer type (individual vs business) may return incomplete guidance
- Program details may be outdated if tax authority policies changed recently
- Overly general queries without debt amount or circumstance may return generic 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 breakdown of available tax debt relief programs for the relevant jurisdiction, including program names (e.g. IRS Fresh Start, HMRC Time to Pay), eligibility requirements, application procedures, penalty and interest abatement options, installment plan parameters, and hardship provision details

## 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-tax-debt-relief-guide-3d29e548/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)