# Services from debtpulse.theaslangroupllc.com on Zero > debtpulse.theaslangroupllc.com serves 21 paid API services for AI agents, indexed by Zero. Each is callable per call with payment handled by Zero. Canonical page: https://www.zero.xyz/host/debtpulse.theaslangroupllc.com Live health (JSON, refreshed every minute): https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/health.json ## Services - [DebtPulse Debt Payoff Strategy Calculator](https://www.zero.xyz/c/debtpulse-debt-payoff-strategy-calculator-73293612/llms.txt): $0.1/call via x402. Compares snowball, avalanche, and hybrid debt payoff strategies with exact interest math, projected payoff dates, and total interest saved versus making minimum payments. - [DebtPulse Consumer Debt Rights & FDCPA/FCRA Info](https://www.zero.xyz/c/debtpulse-consumer-debt-rights-fdcpa-fcra-info-6e901ba2/llms.txt): $0.05/call via x402. Returns consumer protection rights under FDCPA, FCRA, UK FCA, and Australia ACCC by country, including complaint resources for debt collection abuses - [DebtPulse Freedom Roadmap](https://www.zero.xyz/c/debtpulse-freedom-roadmap-5595867a/llms.txt): $0.15/call via x402. Generates a personalized, step-by-step debt payoff roadmap with method recommendation, monthly milestones, and total interest projection based on debts and income. - [DebtPulse Debt Settlement Calculator & Negotiation Scripts](https://www.zero.xyz/c/debtpulse-debt-settlement-calculator-negotiation-scripts-0c89877d/llms.txt): $0.15/call via x402. Returns realistic settlement percentages by creditor, lump-sum negotiation scripts, tax implications of forgiven debt, and red flags to avoid when settling debt. - [DebtPulse Credit Repair Roadmap & Dispute Strategy](https://www.zero.xyz/c/debtpulse-credit-repair-roadmap-dispute-strategy-18de0f32/llms.txt): $0.1/call via x402. Returns a country-tailored, step-by-step credit repair plan including a negative-item dispute strategy, score improvement actions, and a repair timeline. - [DebtPulse Wage Garnishment Exemptions & Protected-Income Calculator](https://www.zero.xyz/c/debtpulse-wage-garnishment-exemptions-protected-income-calculator-80afaf10/llms.txt): $0.08/call via x402. Returns wage garnishment exemption rules, protected income thresholds, and objection procedures by US state or country for consumer debt situations. - [DebtPulse Tax Debt Relief & Payment Plan Lookup](https://www.zero.xyz/c/debtpulse-tax-debt-relief-payment-plan-lookup-17e7a7d4/llms.txt): $0.12/call via x402. Returns tax debt relief options and back-taxes payment plans for the US (IRS Fresh Start), UK (HMRC Time to Pay), Canada (CRA Taxpayer Relief), and Australia (ATO hardship provisions) by country. - [DebtPulse Statute of Limitations Lookup](https://www.zero.xyz/c/debtpulse-statute-of-limitations-lookup-25006a57/llms.txt): $0.05/call via x402. Returns the statute of limitations status for a debt by state/country and debt type, indicating whether the debt is time-barred (zombie debt) and the credit-report timeline. - [DebtPulse Credit Building Strategy](https://www.zero.xyz/c/debtpulse-credit-building-strategy-71260e81/llms.txt): $0.1/call via x402. Returns a tailored credit-score improvement plan with specific product recommendations (secured cards, credit-builder loans, thin-file tactics) based on the user's country. - [DebtPulse Creditor Negotiation Playbook & Hardship-Program Scripts](https://www.zero.xyz/c/debtpulse-creditor-negotiation-playbook-hardship-program-scripts-83f7507b/llms.txt): $0.15/call via x402. Returns word-for-word negotiation scripts, creditor-specific hardship program details, tactics, and realistic outcomes based on creditor type and months behind on payments. - [DebtPulse Debt Burden Snapshot](https://www.zero.xyz/c/debtpulse-debt-burden-snapshot-240b0caf/llms.txt): $0.1/call via x402. Analyzes a user's debt burden, returns a full debt-to-income assessment with danger flags, priority action recommendations, and live macro interest rate context. - [DebtPulse Collections Rights & Letter Generator](https://www.zero.xyz/c/debtpulse-collections-rights-letter-generator-a74601f3/llms.txt): $0.08/call via x402. Returns FDCPA/FCA/ACCC debt collector rights, plus ready-to-send debt-validation and cease-and-desist letter templates by country - [DebtPulse Student Loan Strategy API](https://www.zero.xyz/c/debtpulse-student-loan-strategy-api-3db3764a/llms.txt): $0.12/call via x402. Returns personalized student loan repayment and forgiveness strategies across US (IDR/PSLF), UK, Australia (HECS), and Canada (RAP) based on country-specific program rules - [DebtPulse Bankruptcy & Insolvency Options Analyzer](https://www.zero.xyz/c/debtpulse-bankruptcy-insolvency-options-analyzer-385ec083/llms.txt): $0.2/call via x402. Analyzes bankruptcy and insolvency eligibility and process across US, UK, Canada, and Australia, including means-test thresholds, discharge timelines, costs, and credit impact. - [DebtPulse Medical Bill Negotiation & Reduction Strategy](https://www.zero.xyz/c/debtpulse-medical-bill-negotiation-reduction-strategy-ecb4b2f1/llms.txt): $0.1/call via x402. Returns charity-care eligibility options, No Surprises Act protections, itemized-bill review guidance, and negotiation scripts to reduce or eliminate a medical or hospital bill. - [DebtPulse Mortgage Relief & Foreclosure Prevention Lookup](https://www.zero.xyz/c/debtpulse-mortgage-relief-foreclosure-prevention-lookup-9e02388a/llms.txt): $0.12/call via x402. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative options based on country and loan type for homeowners facing mortgage distress. - [DebtPulse Debt Priority & Relief Options](https://www.zero.xyz/c/debtpulse-debt-priority-relief-options-760f1f72/llms.txt): $0.1/call via x402. Returns a prioritized debt elimination plan including debt-to-income ratio, recommended relief approach, and ranked relief options for a given debt profile - [DebtPulse Credit Report Dispute Guide & FCRA Letter Generator](https://www.zero.xyz/c/debtpulse-credit-report-dispute-guide-fcra-letter-generator-8df62226/llms.txt): $0.08/call via x402. Returns ready-to-send FCRA dispute letters, step-by-step credit bureau dispute process instructions, and escalation paths tailored by country - [DebtPulse Payday Loan Escape Plan & True-APR Calculator](https://www.zero.xyz/c/debtpulse-payday-loan-escape-plan-true-apr-calculator-013f92cb/llms.txt): $0.1/call via x402. Returns extended payment plan options, true APR calculations, rollover-trap analysis, and legal consumer protections by state/country to help borrowers escape the payday loan debt cycle. - [DebtPulse Debt Consolidation Advisor](https://www.zero.xyz/c/debtpulse-debt-consolidation-advisor-72d968d8/llms.txt): $0.1/call via x402. Analyzes a borrower's total debt situation and returns ranked consolidation and relief options with debt-to-income ratio and free resource referrals - [DebtPulse BNPL True-APR Calculator](https://www.zero.xyz/c/debtpulse-bnpl-true-apr-calculator-a6d0bca4/llms.txt): $0.08/call via x402. Computes the real APR on BNPL balances (Klarna, Afterpay, Affirm, Zip), flags platform-specific risks, and returns a debt escape strategy Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently. - [Zero catalog index](https://www.zero.xyz/llms.txt)