{"uid":"cap_bQW3qwwSJMcMh7xXPrg7H","slug":"debtpulse-bankruptcy-insolvency-options-analyzer-385ec083","name":"DebtPulse Bankruptcy & Insolvency Options Analyzer","description":"Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.","url":"https://debtpulse.theaslangroupllc.com/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_dfj7BMd2td6jrdUc3cwvS","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":"Analyzes bankruptcy and insolvency eligibility and process across US, UK, Canada, and Australia, including means-test thresholds, discharge timelines, costs, and credit impact.","exampleAgentPrompt":"I'm in the US with about $45,000 in unsecured debt and a monthly income of $2,800 — can you walk me through my bankruptcy and insolvency options, including whether I'd pass the Chapter 7 means test, what Chapter 13 would look like, the discharge timelines, rough costs, and how each option would hit my credit score?","exampleUseCases":[{"title":"Comparing debt relief across countries","prompt":"I'm a Canadian citizen with £30,000 in credit card debt, but I'm considering moving to Australia next year — can you break down what formal debt relief options I'd have in both countries? I need to know eligibility, timelines, costs, and credit impact so I can plan accordingly."},{"title":"Evaluating UK insolvency procedures","prompt":"I'm drowning in unsecured debt here in the UK and my income is pretty low — walk me through whether I'd qualify for a Debt Relief Order versus an IVA, what the differences are in terms of how long it takes and what it costs, and how badly each one would damage my credit?"},{"title":"Understanding US bankruptcy eligibility","prompt":"I'm in California earning about $3,500 a month with roughly $120,000 in medical and credit card debt — can you check if I'd even pass the means test for Chapter 7, and if not, what Chapter 13 repayment would look like? I also need to know the filing fees and how long this stays on my credit report."}],"resultDescription":"Returns a structured analysis of applicable insolvency options for the specified country, including eligibility criteria and means-test thresholds, available procedures (e.g. Chapter 7/13, IVA, DRO, Consumer Proposal, Part IX), discharge timelines, estimated costs, and credit score impact for each option.","failureModes":["Unsupported country returns an error or empty options list","Missing or invalid income/debt parameters may produce incomplete eligibility results","Means-test thresholds may not reflect the most recent legislative updates","Edge cases like business debts or non-consumer debt may not be fully covered"],"whenToPreferThis":"Use this endpoint when a user needs to understand their bankruptcy or formal insolvency options across US, UK, Canada, or Australia, especially when eligibility screening (means test), timeline comparison, cost analysis, or credit impact across multiple procedures is needed. Prefer this over general debt payoff calculators when the user's situation may involve legal insolvency proceedings rather than self-managed repayment.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T18:31:42.483Z","isFirstParty":false}