{"uid":"cap_m_j6wp84a39BZGFTcJf-Z","slug":"debtpulse-debt-settlement-analysis-601f794d","name":"DebtPulse Debt Settlement 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/settle","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":"hardship-program | settlement | pay-for-delete | debt-validation | cease-comms"}}}},"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":"settlement","script":"I have a lump sum available — can we settle this account?","best_timing":"account 90-180 days delinquent","get_it_in_writing":true,"typical_settlement_pct":40,"settlement_success_rate":0.62}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.15","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":"$0.15/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_G8bTTsnevO_0MvhVIlJQb","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.15","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns realistic debt settlement percentages, negotiation scripts, tax implications of forgiven debt, and red flags to avoid for a given debt situation","exampleAgentPrompt":"I have $8,500 in credit card debt with Chase that's been delinquent for 14 months — can you tell me what a realistic settlement percentage would be, give me a negotiation script to use, and explain what I'd owe in taxes if they forgive the difference?","exampleUseCases":null,"resultDescription":"Returns realistic settlement percentage ranges for the debt, ready-to-use negotiation scripts tailored to the creditor type, tax implications of any forgiven amount (including 1099-C considerations), and a list of specific red flags and pitfalls to avoid during the settlement process","failureModes":["Missing required debt parameters returns validation error","Unsupported creditor type or debt category returns partial results","Jurisdiction-specific tax details may be unavailable for non-US regions","Very new or very old debts may have reduced accuracy on settlement percentages"],"whenToPreferThis":"Use this endpoint when a user needs actionable, specific debt settlement guidance including negotiation scripts and tax awareness — distinct from general debt consolidation analysis, credit repair roadmaps, or hardship program lookups available on sibling endpoints","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:57:16.531Z","isFirstParty":false}