{"uid":"cap_WgDkNIw9Nr7WIffXUP-yt","slug":"debtpulse-consumer-debt-rights-fdcpa-fcra-info-6e901ba2","name":"DebtPulse Consumer Debt Rights & FDCPA/FCRA Info","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.","url":"https://debtpulse.theaslangroupllc.com/api/debt/rights?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"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":"0.05","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":"$0.05/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_z0E3_CNbpH2WJ4A_HBddy","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 consumer protection rights under FDCPA, FCRA, UK FCA, and Australia ACCC by country, including complaint resources for debt collection abuses","exampleAgentPrompt":"What are my rights under the FDCPA and FCRA if a debt collector keeps calling me late at night in the US, and how do I file a complaint against them?","exampleUseCases":[{"title":"Stopping harassing debt collection calls","prompt":"A debt collector keeps calling me multiple times a day and won't stop even after I asked them to. What are my rights and how do I report this harassment?"},{"title":"Understanding UK debt collection protections","prompt":"I'm in the UK and receiving demands from a debt collection agency. What protections do I have under FCA regulations and what can they legally do?"},{"title":"Validating old debt collector claims","prompt":"A collector is trying to get me to pay a really old debt. What does the law say about how old a debt can be before they can't collect it, and where do I complain if they're breaking the rules?"}],"resultDescription":"A structured response detailing consumer protection rights applicable to the specified country (US FDCPA/FCRA, UK FCA, or Australia ACCC), including what collectors can and cannot do, protections available to the consumer, and links or references to official complaint resources and regulatory bodies.","failureModes":["Unsupported country returns empty or generic response","Ambiguous or missing country parameter may default to US law only","Regulatory content may not reflect the most recent legislative changes","No case-specific legal advice — information is general and educational only"],"whenToPreferThis":"Use this endpoint when a user needs to understand their legal rights regarding debt collection, credit reporting protections, or wants to know how to file a complaint against a collector. Ideal for consumer-rights agents, debt-relief chatbots, or financial advisory tools serving US, UK, or Australian consumers. Prefer this over general legal search when jurisdiction-specific FDCPA/FCRA/FCA/ACCC guidance is needed.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T06:37:32.743Z","isFirstParty":false,"canonicalSlug":"debtpulse-consumer-debt-rights-fdcpa-fcra-info-6e901ba2"}