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DebtPulse

PulseNetworkby PulseNetwork · Intelligence APIs, Data, AI Agents

Global debt elimination intelligence API. 21 endpoints covering payoff math, creditor negotiation scripts, debt settlement analysis, statute of limitations detection, student loan strategy (US/UK/AU/CA), credit repair and building, insolvency analysis, tax debt relief (IRS/HMRC/CRA/ATO), medical bill negotiation, mortgage relief, BNPL and payday loan escape, and debt-to-wealth roadmaps.

financefederated
Price per request
$0.06
About

Global debt elimination intelligence API. 21 endpoints covering payoff math, creditor negotiation scripts, debt settlement analysis, statute of limitations detection, student loan strategy (US/UK/AU/CA), credit repair and building, insolvency analysis, tax debt relief (IRS/HMRC/CRA/ATO), medical bill negotiation, mortgage relief, BNPL and payday loan escape, and debt-to-wealth roadmaps. Part of PulseNetwork, operated by The Aslan Group LLC. Apiosk indexes this federated listing and adds ref=apiosk for attribution; calls and x402 payments go directly to PulseNetwork.

Base URL
https://gateway.apiosk.com/debtpulse
Technical Specs
Auth MethodNone (x402 payment proof only)
Response FormatJSON
Endpoints21
Endpoints
MethodPathDescriptionCost
GET /api/debt/bnpl Buy now pay later debt analysis and BNPL true-APR calculator. Computes the real APR on Klarna, Afterpay, Affirm, and Zip balances, flags platform-specific risks, and returns an escape strategy to clear the debt. For debt-relief and personal-finance agents.
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GET /api/debt/build-credit Credit building strategy and credit-score improvement plan. Recommends specific secured cards, credit-builder loans, and thin-file tactics to raise your score, tailored by country. For credit and personal-finance agents.
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 View details
GET /api/debt/collections Debt collector rights, debt-validation letters, and cease-and-desist templates. Returns FDCPA/FCA/ACCC protections plus ready-to-send validation and cease-contact letters by country. For consumer-rights and debt-relief agents.
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GET /api/debt/consolidate Debt consolidation calculator: personal loan vs balance transfer vs HELOC. Compares all options with specific lender recommendations and live rate context, tailored by credit score and country. For debt-relief and personal-finance agents.
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 View details
GET /api/debt/credit Credit repair roadmap and negative-item dispute strategy. Returns a step-by-step plan to remove negative items, raise your credit score, and a repair timeline, tailored by country. For credit-repair and debt-relief agents.
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 View details
GET /api/debt/dispute Credit report dispute guide and FCRA dispute-letter templates. Returns ready-to-send letters, the credit-bureau dispute process, and the escalation path, tailored by country. For credit and consumer-rights agents.
$0.09 default
 View details
GET /api/debt/freedom-roadmap Debt-free roadmap and payoff plan with wealth-building projection. Returns a phase-by-phase plan from current debt to debt-free, with milestones, the monthly budget required, and a 10-year wealth projection. For debt-relief and personal-finance agents.
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GET /api/debt/garnishment 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.
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 View details
GET /api/debt/insolvency Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.
$0.23 default
 View details
GET /api/debt/medical Medical bill negotiation and hospital-bill reduction strategy. Returns charity-care options, No Surprises Act protections, an itemized-bill review, and negotiation scripts to lower the bill. For debt-relief and patient-advocate agents.
$0.12 default
 View details
GET /api/debt/mortgage-relief Mortgage relief and foreclosure-prevention options. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative paths by country and loan type. For debt-relief and homeowner agents.
$0.14 default
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GET /api/debt/negotiate Creditor negotiation playbook and hardship-program scripts. Returns word-for-word scripts, negotiation tactics, and realistic outcomes by creditor and months behind. For debt-relief and personal-finance agents.
$0.17 default
 View details
GET /api/debt/payday Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.
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 View details
GET /api/debt/payoff Debt payoff calculator: snowball vs avalanche vs hybrid. Compares all three strategies with exact interest math, payoff dates, and total interest saved versus minimum payments, factoring in the current rate environment. For debt-relief and personal-finance agents.
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GET /api/debt/priority Which debt to pay off first: multi-factor debt priority ranking. Ranks every debt by legal risk, statute-of-limitations status, interest rate, collateral, and account health. For debt-relief and personal-finance agents.
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GET /api/debt/rights Debt collection rights and consumer-protection laws (FDCPA / FCRA). Covers US FDCPA and FCRA, UK FCA, and Australia ACCC protections by country, with complaint resources. For consumer-rights and debt-relief agents.
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GET /api/debt/settle Debt settlement calculator and negotiation scripts. Returns realistic settlement percentages by creditor, lump-sum scripts, tax implications, and red flags to avoid. For debt-relief and personal-finance agents.
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GET /api/debt/snapshot Debt burden assessment and debt-to-income snapshot. Returns a full burden analysis, danger flags, and the priority actions to take first, with live macro rate context. For debt-relief and personal-finance agents.
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GET /api/debt/statute Statute of limitations on debt lookup and zombie-debt check. Returns SOL status by state, country, and debt type, whether the debt is time-barred, and the credit-report timeline. For consumer-rights and debt-relief agents.
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GET /api/debt/student Student loan repayment and forgiveness strategy. Covers US income-driven repayment (IDR) and PSLF, UK plan comparison, Australia HECS, and Canada RAP, country-specific. For debt-relief and personal-finance agents.
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GET /api/debt/tax Tax debt relief and back-taxes payment-plan options. Covers US IRS Fresh Start, UK HMRC Time to Pay, Canada CRA Taxpayer Relief, and Australia ATO hardship provisions, by country. For debt-relief and tax agents.
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Endpoint documentation
GET/api/debt/bnpl
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Description

Buy now pay later debt analysis and BNPL true-APR calculator. Computes the real APR on Klarna, Afterpay, Affirm, and Zip balances, flags platform-specific risks, and returns an escape strategy to clear the debt. For debt-relief and personal-finance agents.

Documentation

BNPL true cost analysis

True APR calculation, platform-specific risks, escape/consolidation strategy for Klarna, Afterpay, Affirm, Zip, Sezzle.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.09 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "payment_amount": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "payments_remaining": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "platform": {
      "enum": [
        "Affirm",
        "Klarna",
        "Afterpay",
        "Zip",
        "Sezzle",
        "PayBright",
        "Laybuy",
        "Paidy"
      ],
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "platform",
    "balance"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/build-credit
$0.12 default
Description

Credit building strategy and credit-score improvement plan. Recommends specific secured cards, credit-builder loans, and thin-file tactics to raise your score, tailored by country. For credit and personal-finance agents.

Documentation

Credit building strategy

Product recommendations, phased strategy, realistic milestones for building credit from thin or damaged files.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "goal_score": {
      "default": "700",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "score": {
      "default": "0",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/collections
$0.09 default
Description

Debt collector rights, debt-validation letters, and cease-and-desist templates. Returns FDCPA/FCA/ACCC protections plus ready-to-send validation and cease-contact letters by country. For consumer-rights and debt-relief agents.

Documentation

Debt collector rights

FDCPA/FCA/ACCC consumer rights, validation letter template, cease-and-desist template, violation reporting resources.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.09 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "collector": {
      "description": "Collection agency name",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/consolidate
$0.12 default
Description

Debt consolidation calculator: personal loan vs balance transfer vs HELOC. Compares all options with specific lender recommendations and live rate context, tailored by credit score and country. For debt-relief and personal-finance agents.

Documentation

Debt consolidation analysis

Personal loan vs balance transfer vs HELOC with specific lender recommendations and break-even math.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "credit_score": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "debts": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "homeowner": {
      "default": "false",
      "enum": [
        "true",
        "false"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts",
    "credit_score"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/credit
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Description

Credit repair roadmap and negative-item dispute strategy. Returns a step-by-step plan to remove negative items, raise your credit score, and a repair timeline, tailored by country. For credit-repair and debt-relief agents.

Documentation

Credit repair roadmap

Country-specific credit repair — negative item analysis, dispute strategy, realistic timeline.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "goal": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "negatives": {
      "description": "Comma-separated list of negative items",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "score": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "score"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/dispute
$0.09 default
Description

Credit report dispute guide and FCRA dispute-letter templates. Returns ready-to-send letters, the credit-bureau dispute process, and the escalation path, tailored by country. For credit and consumer-rights agents.

Documentation

Credit dispute guide

Dispute letter templates, bureau process, escalation path by country (FCRA/ICO/Privacy Act/PIPEDA).

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.09 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "bureau": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "negative_items": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/freedom-roadmap
$0.17 default
Description

Debt-free roadmap and payoff plan with wealth-building projection. Returns a phase-by-phase plan from current debt to debt-free, with milestones, the monthly budget required, and a 10-year wealth projection. For debt-relief and personal-finance agents.

Documentation

Debt freedom roadmap

Phase-by-phase plan from current debt to debt-free + 10-year wealth projection. Bridges to WealthPulse.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.17 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debts": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Monthly income in USD",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "savings": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts",
    "income"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/garnishment
$0.09 default
Description

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.

Documentation

Wage garnishment analysis

Garnishment rules by jurisdiction — exempt states/countries, protected amounts, how to object.

**Price:** $0.08 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.09 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debt_type": {
      "default": "credit_card",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/insolvency
$0.23 default
Description

Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.

Documentation

Insolvency analysis

Multi-country insolvency: US Chapter 7/13, UK IVA/DRO/bankruptcy, CA Consumer Proposal, AU Part IX/X.

**Price:** $0.2 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.23 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "assets": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "debts": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/medical
$0.12 default
Description

Medical bill negotiation and hospital-bill reduction strategy. Returns charity-care options, No Surprises Act protections, an itemized-bill review, and negotiation scripts to lower the bill. For debt-relief and patient-advocate agents.

Documentation

Medical bill negotiation

Charity care application strategy, No Surprises Act rights, itemized bill audit, negotiation scripts.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "bill_amount": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "insurance": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "default": "uninsured",
      "enum": [
        "uninsured",
        "underinsured",
        "surprise_bill",
        "out_of_network",
        "insurance_denied"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "bill_amount"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/mortgage-relief
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Description

Mortgage relief and foreclosure-prevention options. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative paths by country and loan type. For debt-relief and homeowner agents.

Documentation

Mortgage relief options

Forbearance, loan modification, repayment plans, HAF program, foreclosure alternatives by country.

**Price:** $0.12 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.14 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "loan_type": {
      "default": "Conventional",
      "description": "Conventional | FHA | VA | USDA",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "months_behind": {
      "default": "1",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "servicer": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/negotiate
$0.17 default
Description

Creditor negotiation playbook and hardship-program scripts. Returns word-for-word scripts, negotiation tactics, and realistic outcomes by creditor and months behind. For debt-relief and personal-finance agents.

Documentation

Creditor negotiation playbook

Hardship program scripts, tactics, and realistic outcomes specific to the named creditor.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.17 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "description": "Current balance in USD",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "creditor": {
      "description": "Creditor name (e.g., Capital One, Chase, Midland Credit)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "months_behind": {
      "default": "0",
      "description": "Number of months behind on payments",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "creditor",
    "balance"
  ],
  "type": "object"
}
Response schema
{
  "properties": {
    "available_programs": {
      "type": "array"
    },
    "negotiation_tactics": {
      "type": "array"
    },
    "opening_script": {
      "type": "string"
    },
    "realistic_outcomes": {
      "type": "object"
    }
  },
  "type": "object"
}
Example response
{
  "available_programs": [],
  "negotiation_tactics": [],
  "opening_script": "test",
  "realistic_outcomes": {}
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/payday
$0.12 default
Description

Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.

Documentation

Payday loan escape

True APR, legal rights, extended payment plan options, ACH revocation instructions by state/country.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "fee_rate": {
      "description": "Fee rate (e.g., '$15 per $100')",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lender": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "balance"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/payoff
$0.12 default
Description

Debt payoff calculator: snowball vs avalanche vs hybrid. Compares all three strategies with exact interest math, payoff dates, and total interest saved versus minimum payments, factoring in the current rate environment. For debt-relief and personal-finance agents.

Documentation

Payoff calculator

Avalanche, snowball, and hybrid payoff comparison with exact amortization math, interest savings, and milestone calendar.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debts": {
      "description": "JSON array: [{creditor, balance, rate, minPayment}]",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "extra_payment": {
      "description": "Additional monthly payment amount in USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "method": {
      "enum": [
        "avalanche",
        "snowball",
        "hybrid",
        "auto"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts"
  ],
  "type": "object"
}
Response schema
{
  "properties": {
    "interest_savings_vs_minimums": {
      "type": "number"
    },
    "methods": {
      "type": "object"
    },
    "milestones": {
      "type": "array"
    },
    "narrative": {
      "type": "string"
    },
    "recommendation": {
      "type": "string"
    },
    "total_debt": {
      "type": "number"
    }
  },
  "type": "object"
}
Example response
{
  "interest_savings_vs_minimums": 1,
  "methods": {},
  "milestones": [],
  "narrative": "test",
  "recommendation": "test",
  "total_debt": 1
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/priority
$0.12 default
Description

Which debt to pay off first: multi-factor debt priority ranking. Ranks every debt by legal risk, statute-of-limitations status, interest rate, collateral, and account health. For debt-relief and personal-finance agents.

Documentation

Multi-factor debt priority

Priority ranking using: legal risk, SOL proximity, interest rate, collateral status, account health.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debts": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/rights
$0.06 default
Description

Debt collection rights and consumer-protection laws (FDCPA / FCRA). Covers US FDCPA and FCRA, UK FCA, and Australia ACCC protections by country, with complaint resources. For consumer-rights and debt-relief agents.

Documentation

Consumer debt rights

Governing laws, rights summary, collector prohibitions, enforcement bodies by country.

**Price:** $0.05 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.06 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/settle
$0.17 default
Description

Debt settlement calculator and negotiation scripts. Returns realistic settlement percentages by creditor, lump-sum scripts, tax implications, and red flags to avoid. For debt-relief and personal-finance agents.

Documentation

Debt settlement analysis

Realistic settlement percentages, negotiation script, tax implications (1099-C), and zombie debt warnings.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.17 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "creditor": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "debt_type": {
      "default": "credit_card",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "months_behind": {
      "default": "90",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "creditor",
    "balance"
  ],
  "type": "object"
}
Response schema
{
  "type": "object"
}
Example response
{}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/snapshot
$0.12 default
Description

Debt burden assessment and debt-to-income snapshot. Returns a full burden analysis, danger flags, and the priority actions to take first, with live macro rate context. For debt-relief and personal-finance agents.

Documentation

Debt burden snapshot

Full debt health assessment — burden score, DTI ratio, danger flags, priority actions, payoff projections.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.12 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debts": {
      "description": "JSON array of debts",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Monthly income in USD",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts"
  ],
  "type": "object"
}
Response schema
{
  "properties": {
    "burden_rating": {
      "type": "string"
    },
    "burden_score": {
      "type": "number"
    },
    "debt_to_income_ratio": {
      "type": "number"
    },
    "payoff_projection": {
      "type": "object"
    },
    "priority_actions": {
      "type": "array"
    },
    "total_debt": {
      "type": "number"
    },
    "warning_flags": {
      "type": "array"
    }
  },
  "type": "object"
}
Example response
{
  "burden_rating": "test",
  "burden_score": 1,
  "debt_to_income_ratio": 1,
  "payoff_projection": {},
  "priority_actions": [],
  "total_debt": 1,
  "warning_flags": []
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/statute
$0.06 default
Description

Statute of limitations on debt lookup and zombie-debt check. Returns SOL status by state, country, and debt type, whether the debt is time-barred, and the credit-report timeline. For consumer-rights and debt-relief agents.

Documentation

Statute of limitations lookup

SOL status, zombie debt detection, credit report timeline. Covers all 50 US states + UK, CA provinces, AU states.

**Price:** $0.05 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.06 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debt_type": {
      "default": "credit_card",
      "description": "credit_card | medical | student_loan | auto | personal_loan",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "last_payment": {
      "description": "Date of last payment (YYYY-MM-DD) for expiry calculation",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "province": {
      "description": "CA province or AU state code",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "US state code (e.g., TX, CA)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
Response schema
{
  "properties": {
    "credit_reporting_status": {
      "type": "object"
    },
    "critical_warnings": {
      "type": "array"
    },
    "is_zombie_debt": {
      "type": "boolean"
    },
    "sol_expiry_date": {
      "type": "string"
    },
    "sol_status": {
      "type": "string"
    },
    "sol_years": {
      "type": "number"
    }
  },
  "type": "object"
}
Example response
{
  "credit_reporting_status": {},
  "critical_warnings": [],
  "is_zombie_debt": true,
  "sol_expiry_date": "test",
  "sol_status": "test",
  "sol_years": 1
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/student
$0.14 default
Description

Student loan repayment and forgiveness strategy. Covers US income-driven repayment (IDR) and PSLF, UK plan comparison, Australia HECS, and Canada RAP, country-specific. For debt-relief and personal-finance agents.

Documentation

Student loan strategy

Multi-country student loan intelligence: US (IDR/PSLF), UK (Plan 1-5), AU (HECS/HELP), CA (RAP).

**Price:** $0.12 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.14 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "employer_type": {
      "description": "government | nonprofit | private (for PSLF eligibility)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "province": {
      "description": "CA province or UK plan type",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "type": {
      "default": "federal",
      "enum": [
        "federal",
        "private"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "balance"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
GET/api/debt/tax
$0.14 default
Description

Tax debt relief and back-taxes payment-plan options. Covers US IRS Fresh Start, UK HMRC Time to Pay, Canada CRA Taxpayer Relief, and Australia ATO hardship provisions, by country. For debt-relief and tax agents.

Documentation

Tax debt relief

IRS Fresh Start / HMRC Time to Pay / CRA Taxpayer Relief / ATO hardship — country-specific programs.

**Price:** $0.12 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.14 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "amount_owed": {
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "years_behind": {
      "default": "1",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "amount_owed"
  ],
  "type": "object"
}
Links
External documentation ↗OpenAPI / Swagger ↗
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