# LegalPulse Consumer Rights Guide

> LegalPulse Consumer Rights Guide is a paid API for AI agents from legalpulse-rho.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns structured guidance on consumer protection law including FDCPA debt collection rules, FCRA credit reporting rights, FTC/CFPB complaint procedures, and statutory damages information

## Facts

- Endpoint: GET https://legalpulse-rho.vercel.app/api/legal/consumer
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/legalpulse-consumer-rights-guide-480fbb37
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_nPexhHeQtZAvpWQ3h1Cjx

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 legalpulse-consumer-rights-guide-480fbb37
```

Example prompt: A debt collector keeps calling me at work even after I told them to stop — walk me through my FDCPA rights, what violations may have occurred, what statutory damages I could claim, and the exact steps to file a CFPB complaint.

## When to prefer this

Choose this endpoint when a user needs plain-language guidance on consumer protection law — specifically FDCPA debt collection rules, FCRA credit reporting rights, or FTC/CFPB complaint processes. Best for individuals facing debt collector harassment, credit report errors, or needing to understand statutory remedies. Prefer over general legal search engines when structured, actionable steps and damage figures are needed quickly.

## Known failure modes

- Topic outside consumer rights scope returns no relevant guidance
- Overly vague query may return generic rather than situation-specific information
- Service unavailable returns HTTP error with no legal content
- Edge cases involving state-specific overlaps may yield incomplete guidance

## How this service works

Consumer rights guidance and debt-collection harassment check: FDCPA debt collection, FCRA credit-report disputes, defective products, false advertising, warranty, and identity theft, with FTC and CFPB complaint steps and the statutory damages a consumer can claim. For consumer-rights and legal agents.

## Output

A structured legal guidance response covering applicable consumer protection laws (FDCPA, FCRA), specific rights and protections, step-by-step complaint filing procedures with the FTC or CFPB, and available statutory damage amounts for violations.

## 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": {
      "issue": {
       "type": "string",
       "description": "defective product | false advertising | debt collection | credit report | identity theft | warranty"
      }
     }
    }
   },
   "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": {
  "issue": "defective product",
  "steps": [
   "Document defect with photos",
   "Send written demand (certified mail)",
   "File CFPB complaint",
   "Small claims court if under $10,000"
  ],
  "applicable_law": "Magnuson-Moss Warranty Act + state lemon laws",
  "typical_resolution": "refund or replacement within 30 days of formal demand"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/legalpulse-consumer-rights-guide-480fbb37/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from legalpulse-rho.vercel.app](https://www.zero.xyz/host/legalpulse-rho.vercel.app/llms.txt)