# Services from debtpulse.vercel.app on Zero

> debtpulse.vercel.app 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.vercel.app
Live health (JSON, refreshed every minute): https://www.zero.xyz/host/debtpulse.vercel.app/health.json

## Services

- [DebtPulse Debt Payoff Calculator](https://www.zero.xyz/c/debtpulse-debt-payoff-calculator-3ba6ea51/llms.txt): $0.1/call via x402. Compares avalanche, snowball, and hybrid debt payoff strategies with exact interest calculations to find the optimal repayment plan
- [DebtPulse Wage Garnishment Analysis](https://www.zero.xyz/c/debtpulse-wage-garnishment-analysis-b0defef1/llms.txt): $0.08/call via x402. Returns state- and country-specific wage garnishment exemptions, protected income amounts, and legal objection procedures for consumer-rights and debt-relief use cases
- [DebtPulse Student Loan Strategy](https://www.zero.xyz/c/debtpulse-student-loan-strategy-00c408d4/llms.txt): $0.12/call via x402. Provides country-specific student loan repayment strategies covering US IDR/PSLF, UK plan comparison, Australian HECS, and Canadian RAP programs
- [DebtPulse Credit Dispute Guide](https://www.zero.xyz/c/debtpulse-credit-dispute-guide-3dcdfbe0/llms.txt): $0.08/call via x402. Returns credit dispute letter templates, bureau dispute process steps, and escalation paths by country for resolving inaccurate credit report entries.
- [DebtPulse Mortgage Relief Options](https://www.zero.xyz/c/debtpulse-mortgage-relief-options-b91dd1f9/llms.txt): $0.12/call via x402. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative options for homeowners struggling with mortgage payments
- [DebtPulse Debt Priority Ranking](https://www.zero.xyz/c/debtpulse-debt-priority-ranking-059860de/llms.txt): $0.1/call via x402. Ranks a user's debts by multi-factor priority including legal risk, statute of limitations status, interest rate, collateral, and account health
- [DebtPulse Debt Settlement Analysis](https://www.zero.xyz/c/debtpulse-debt-settlement-analysis-601f794d/llms.txt): $0.15/call via x402. Returns realistic debt settlement percentages, negotiation scripts, tax implications of forgiven debt, and red flags to avoid for a given debt situation
- [DebtPulse Consumer Debt Rights by Country](https://www.zero.xyz/c/debtpulse-consumer-debt-rights-by-country-0dea27ca/llms.txt): $0.05/call via x402. Returns consumer debt rights protections, regulatory frameworks, and complaint resources by country covering FDCPA, FCRA, UK FCA, and Australia ACCC
- [DebtPulse Payday Loan Escape Plan](https://www.zero.xyz/c/debtpulse-payday-loan-escape-plan-2cb1b3bb/llms.txt): $0.1/call via x402. Analyzes payday loans to return true APR, extended payment plans, legal options, and rollover-trap analysis for escaping high-cost debt cycles
- [DebtPulse Statute of Limitations Lookup](https://www.zero.xyz/c/debtpulse-statute-of-limitations-lookup-76487be4/llms.txt): $0.05/call via x402. Returns the statute of limitations (SOL) status, zombie-debt detection flags, and credit-report timeline for a given debt by jurisdiction
- [DebtPulse Debt Consolidation Analyzer](https://www.zero.xyz/c/debtpulse-debt-consolidation-analyzer-28124402/llms.txt): $0.1/call via x402. Compares personal loan, balance transfer, and HELOC consolidation options with specific lender recommendations for a given debt profile.
- [DebtPulse Tax Debt Relief Guide](https://www.zero.xyz/c/debtpulse-tax-debt-relief-guide-3d29e548/llms.txt): $0.12/call via x402. 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
- [DebtPulse Creditor Negotiation](https://www.zero.xyz/c/debtpulse-creditor-negotiation-ab97322e/llms.txt): $0.15/call via x402. Returns creditor-specific hardship program scripts, negotiation tactics, and realistic outcome projections to help users negotiate debt relief directly with creditors.
- [DebtPulse Medical Bill Negotiation](https://www.zero.xyz/c/debtpulse-medical-bill-negotiation-41bb03e8/llms.txt): $0.1/call via x402. Returns charity-care options, No Surprises Act protections, itemized-bill review, and negotiation scripts for medical debt relief
- [DebtPulse Credit Building Strategy](https://www.zero.xyz/c/debtpulse-credit-building-strategy-e6d2352b/llms.txt): $0.1/call via x402. Returns country-specific credit-building strategies including secured card recommendations, credit-builder loan options, and product-level guidance to help users establish or repair credit.
- [DebtPulse Collections Rights Lookup](https://www.zero.xyz/c/debtpulse-collections-rights-lookup-4b1a1741/llms.txt): $0.08/call via x402. Returns FDCPA, FCA, and ACCC consumer protection rules plus ready-to-use debt validation letter and cease-and-desist templates for debt collection situations
- [DebtPulse Freedom Roadmap](https://www.zero.xyz/c/debtpulse-freedom-roadmap-97db5fee/llms.txt): $0.15/call via x402. Generates a phase-by-phase debt freedom roadmap with a 10-year projection from current debt to wealth-building
- [DebtPulse Insolvency Analysis](https://www.zero.xyz/c/debtpulse-insolvency-analysis-b13e28fc/llms.txt): $0.2/call via x402. Returns eligibility criteria, process steps, and key considerations for insolvency options including US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX
- [DebtPulse Credit Repair Roadmap](https://www.zero.xyz/c/debtpulse-credit-repair-roadmap-356fb840/llms.txt): $0.1/call via x402. Returns a dispute strategy, negative-item analysis, and credit repair timeline tailored by country for credit and debt-relief agents.
- [DebtPulse BNPL Debt Analysis](https://www.zero.xyz/c/debtpulse-bnpl-debt-analysis-0dabad1a/llms.txt): $0.08/call via x402. Analyzes Buy Now Pay Later (BNPL) debt across Klarna, Afterpay, Affirm, and Zip — returning true APR, platform-specific risks, and a personalized escape strategy.
- [DebtPulse Debt Snapshot](https://www.zero.xyz/c/debtpulse-debt-snapshot-4df6b5f8/llms.txt): $0.1/call via x402. Returns a comprehensive debt-burden assessment including danger flags and priority actions for a consumer's full debt profile

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)