{"uid":"cap_JCxE5qt389VctvDnWJO_Q","slug":"debtpulse-statute-of-limitations-lookup-76487be4","name":"DebtPulse Statute of Limitations Lookup","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/statute","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":{"state":{"type":"string","description":"TX | CA | NY | FL | OH | IL | GA | NC"},"action":{"type":"string","description":"lookup | last-payment-date | zombie-debt | judgment"},"debt_type":{"type":"string","description":"credit-card | medical | personal-loan | auto | student"}}}},"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":{"state":"TX","debt_type":"credit-card","sol_years":4,"clock_starts":"date of last payment or charge","credit_report_years":7,"zombie_debt_warning":"Any payment resets the clock"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ueeMSlHmPBhgg3cH7tU7H","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns the statute of limitations (SOL) status, zombie-debt detection flags, and credit-report timeline for a given debt by jurisdiction","exampleAgentPrompt":"I have a credit card debt from Capital One in California that was last active in March 2018 — can you check if it's past the statute of limitations, whether it's zombie debt, and how long it can still show on my credit report?","exampleUseCases":null,"resultDescription":"Returns the statute of limitations status for the specified debt (active, expired, or borderline), a zombie-debt detection flag indicating whether a collector is attempting to revive legally unenforceable debt, the jurisdiction-specific SOL period and expiration date, and the credit-report removal timeline under FCRA or equivalent local rules.","failureModes":["Unsupported jurisdiction returns an error or null SOL data","Missing debt type or origination date may cause incomplete results","Edge-case debt categories (e.g. tribal lender debts) may not be covered","Ambiguous account dates may result in conservative/worst-case SOL estimates","API may return stale SOL data if underlying legal rules have recently changed"],"whenToPreferThis":"Use this endpoint when a consumer-rights or debt-relief agent needs to quickly determine whether a debt is legally collectible under the applicable statute of limitations, identify zombie-debt collection attempts, or advise on how long a debt will remain on a credit report — especially when jurisdiction-specific legal rules matter.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T00:32:50.441Z","isFirstParty":false}