# DebtPulse Wage Garnishment Analysis

> DebtPulse Wage Garnishment Analysis is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-16).

Returns state- and country-specific wage garnishment exemptions, protected income amounts, and legal objection procedures for consumer-rights and debt-relief use cases

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/garnishment
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-wage-garnishment-analysis-b0defef1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DS4sSIqHM4AMtLkXl-dNC

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-wage-garnishment-analysis-b0defef1
```

Example prompt: My wages are being garnished in Florida and I want to know exactly how much of my paycheck is legally protected, what exemptions apply to me, and what steps I can take to object to the garnishment order.

## When to prefer this

Use this endpoint when a user needs jurisdiction-specific wage garnishment information, including protected income thresholds, exemption categories, and objection procedures. Prefer this over generic debt endpoints when the specific issue is paycheck/wage garnishment rather than collections, settlement, or bankruptcy.

## Known failure modes

- Unsupported jurisdiction returns empty or null exemption data
- Missing required state/country parameter results in a 400 error
- Outdated statutory thresholds if garnishment law has recently changed
- Ambiguous jurisdiction (e.g. territory vs state) may return generic federal rules only
- Rate limiting or payment failure returns 402 or 429 status

## 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 structured data on wage garnishment exemptions applicable to the specified state or country, the dollar amounts or percentage thresholds that are legally protected from garnishment, and actionable guidance on how to file an objection or claim an exemption, tailored to the consumer's jurisdiction.

## 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-wage-garnishment-analysis-b0defef1/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)