# DebtPulse Wage Garnishment Exemptions & Protected-Income Calculator

> DebtPulse Wage Garnishment Exemptions & Protected-Income Calculator is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-13).

Returns wage garnishment exemption rules, protected income thresholds, and objection procedures by US state or country for consumer debt situations.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/garnishment
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-wage-garnishment-exemptions-protected-income-calculator-80afaf10
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bW-DMQRgX-BgZjugnAF1e

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-exemptions-protected-income-calculator-80afaf10
```

Example prompt: I just got a wage garnishment notice in Texas — can you look up how much of my income is protected under Texas exemption rules and tell me how to file an objection?

## When to prefer this

Use this endpoint when a consumer-rights or debt-relief agent needs authoritative, jurisdiction-specific wage garnishment exemption data and objection guidance. Prefer this over generic legal databases when you need structured, machine-readable output specifically covering protected income thresholds and consumer objection procedures across US states and international jurisdictions.

## Known failure modes

- Unsupported jurisdiction — state or country not covered returns 404 or empty result
- Missing required parameters (state/country) returns 400 Bad Request
- Ambiguous or misspelled jurisdiction returns an error or closest match
- Payment failure or invalid USDC authorization returns 402 Payment Required
- Service downtime returns 503

## How this service works

Wage garnishment exemptions and protected-income calculator. Returns garnishment exemptions by state and country, how much income is protected, and how to object. For consumer-rights and debt-relief agents.

## Output

Returns garnishment exemption thresholds and protected income amounts for the specified state or country, the percentage or dollar amount a creditor legally cannot touch, available exemption categories (head of household, disability, etc.), and step-by-step instructions on how to formally object to or contest the garnishment order.

## 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-exemptions-protected-income-calculator-80afaf10/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.theaslangroupllc.com](https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/llms.txt)