{"uid":"cap_TdZFETaG_FmOAp38g_mN9","slug":"debtpulse-collections-rights-lookup-4b1a1741","name":"DebtPulse Collections Rights 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/collections","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":"fdcpa | fcra | state-protections | dispute-process | harassment | statute-of-limitations"}}}},"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":"fdcpa","key_rights":["Cannot call before 8am or after 9pm","Must stop contact if requested in writing","Cannot threaten arrest"],"cfpb_complaint_url":"consumerfinance.gov/complaint","dispute_deadline_days":30}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","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":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_DBl4XrYDr8AclO2dbNeY7","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns FDCPA, FCA, and ACCC consumer protection rules plus ready-to-use debt validation letter and cease-and-desist templates for debt collection situations","exampleAgentPrompt":"A debt collection agency keeps calling me about an old credit card debt — can you pull up my FDCPA protections and generate a cease-and-desist letter plus a debt validation letter I can send them?","exampleUseCases":null,"resultDescription":"A structured response containing applicable consumer protection rules under FDCPA (US), FCA (UK), and/or ACCC (Australia) relevant to the user's situation, along with ready-to-use debt validation letter and cease-and-desist letter templates the consumer can send to the collection agency.","failureModes":["Unsupported jurisdiction returns empty protections or error","Missing jurisdiction parameter may return generic or incorrect protections","Rate limiting or payment failure returns 402 or 429 status","Network timeout if Vercel cold start is slow"],"whenToPreferThis":"Choose this endpoint when a user needs to understand their legal rights against debt collectors or needs ready-made legal letter templates (validation request or cease-and-desist). It covers multi-jurisdiction rules (US FDCPA, UK FCA, Australian ACCC) in a single call. Prefer this over the general consumer-debt-rights sibling endpoint when the specific use case is active debt collection harassment or disputing a collected debt.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T12:45:20.639Z","isFirstParty":false}