{"uid":"cap_5RrzT1DxqpdLjQ4vDOsE1","slug":"debtpulse-creditor-negotiation-ab97322e","name":"DebtPulse Creditor Negotiation","description":"Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.","url":"https://debtpulse.vercel.app/api/debt/negotiate","method":"GET","headers":{},"bodySchema":{"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":{"action":{"type":"string","description":"hardship-program | settlement | pay-for-delete | debt-validation | cease-comms"}}}},"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"}}}}},"responseSchema":{"type":"json","example":{"action":"settlement","script":"I have a lump sum available — can we settle this account?","best_timing":"account 90-180 days delinquent","get_it_in_writing":true,"typical_settlement_pct":40,"settlement_success_rate":0.62}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.15","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.15/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_JvvjLOedKPiOXENyCgFb1","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.15","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns creditor-specific hardship program scripts, negotiation tactics, and realistic outcome projections to help users negotiate debt relief directly with creditors.","exampleAgentPrompt":"I'm three months behind on my Citibank credit card with a $8,500 balance — can you pull up the hardship program options and give me a negotiation script I can use when I call them, including what realistic outcomes I should expect?","exampleUseCases":[{"title":"Proactive interest rate negotiation with current account","prompt":"I've been with Chase for five years and never missed a payment, but my APR is 24%. Can you get me the hardship program details for Chase and a script I can use to negotiate a lower rate, plus what kinds of reductions they typically allow?"},{"title":"Late fee waiver and payment plan strategy","prompt":"I'm two months behind on my Capital One card and they're threatening collections. Before they escalate, I want to call and negotiate a hardship plan and get those late fees waived. Can you give me a negotiation script and tell me what outcomes Capital One usually accepts?"},{"title":"Settlement negotiation with realistic expectations","prompt":"My Bank of America balance is $12,000 and I'm struggling to keep up. Rather than let this go to collections, I want to call and see if I can negotiate a settlement. Give me a script tailored to Bank of America and realistic settlement percentages they've historically accepted."}],"resultDescription":"The agent receives creditor-specific hardship program details, a structured negotiation script with exact talking points, recommended tactics tailored to that creditor, and a realistic outcome range (e.g. interest rate reduction, payment deferral, balance settlement percentage) based on the creditor's known practices.","failureModes":["Unknown or unsupported creditor name returns no matching program data","Missing required inputs (creditor, balance) result in a 400 bad request","Creditor policy data may be outdated if the provider has not refreshed it recently","Payment failure for the $0.15 USDC x402 fee returns a 402 Payment Required","Highly niche or regional creditors may return generic rather than creditor-specific scripts"],"whenToPreferThis":"Use this endpoint when a user wants to negotiate directly with a specific creditor and needs tailored scripts, hardship program details, and outcome expectations — rather than evaluating settlement offers, bankruptcy, or consolidation options. Best when the user is still current or early delinquent and wants to proactively manage their account.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:55:39.556Z","isFirstParty":false}