{"uid":"cap_Wz_ZGOBYoBVFv_pWLOX7h","slug":"debtpulse-insolvency-analysis-b13e28fc","name":"DebtPulse Insolvency Analysis","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/insolvency","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":"chapter7 | chapter13 | iva | trust-deed | sequestration | compare"},"country":{"type":"string","description":"US | UK | CA | AU | IE | ZA | NZ"}}}},"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":{"costs":"$1,500-$3,500 attorney fees","action":"chapter7","country":"US","discharge_timeline":"4-6 months","credit_impact_years":10,"means_test_threshold":56000}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.2","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":"$0.2/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.2","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.2","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Q39Z6u_EA5rAlgOVhE9zq","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.2","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns eligibility criteria, process steps, and key considerations for insolvency options including US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX","exampleAgentPrompt":"I'm overwhelmed with $45,000 in unsecured debt and live in the US — can you walk me through whether I'd qualify for Chapter 7 or Chapter 13 bankruptcy, what the process looks like, and what happens to my car and savings?","exampleUseCases":[{"title":"UK debt relief eligibility comparison","prompt":"I'm drowning in credit card debt here in the UK with barely any income — should I pursue an Individual Voluntary Arrangement or would a Debt Relief Order be more suitable for my situation? What's the actual difference between them?"},{"title":"Canadian Consumer Proposal qualification check","prompt":"I'm a Canadian resident with about $60,000 in unsecured debt and I've heard a Consumer Proposal might be an alternative to bankruptcy — can you explain if I'd likely qualify, how long it takes, and what the process involves?"},{"title":"Australian insolvency pathway and asset protection","prompt":"I'm in Australia with significant debt and own a house and car — walk me through what happens to my assets under Part IX, whether I keep my home, and how this option compares to other insolvency paths available to me."}],"resultDescription":"A structured analysis covering eligibility requirements, step-by-step process, asset treatment, discharge timelines, and key trade-offs for the relevant insolvency option(s) in the user's jurisdiction — covering US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, or Australia Part IX as applicable.","failureModes":["Unsupported jurisdiction — endpoint may not cover countries outside US, UK, Canada, and Australia","Missing or ambiguous jurisdiction input leading to generic rather than country-specific guidance","Highly specific edge-case scenarios (e.g. business debts mixed with personal) may return incomplete analysis","Payment failure or insufficient USDC balance returns 402 error"],"whenToPreferThis":"Use this endpoint when a user needs structured insolvency pathway guidance across major English-speaking jurisdictions — especially when comparing formal bankruptcy options (Chapter 7 vs 13, IVA vs DRO) or assessing eligibility. Prefer this over generic debt advice endpoints when the user is explicitly asking about legal insolvency procedures rather than debt settlement, consolidation, or collections rights.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T18:44:32.046Z","isFirstParty":false}