{
  "schema_version": "1.0",
  "name": "DebtPulse",
  "description": "Global debt elimination intelligence API. 21 endpoints covering payoff math, creditor negotiation scripts, debt settlement analysis, statute of limitations detection, student loan strategy (US/UK/AU/CA), credit repair and building, insolvency analysis, tax debt relief (IRS/HMRC/CRA/ATO), medical bill negotiation, mortgage relief, BNPL and payday loan escape, and debt-to-wealth roadmaps.",
  "url": "https://debtpulse.theaslangroupllc.com",
  "api": {
    "type": "openapi",
    "url": "https://debtpulse.theaslangroupllc.com/openapi.json"
  },
  "payment": {
    "protocol": "x402",
    "network": "eip155:8453",
    "asset": "USDC",
    "address": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc",
    "price_range_usd": "0.05-0.20"
  },
  "capabilities": [
    "debt_payoff_calculator",
    "creditor_negotiation",
    "debt_settlement",
    "statute_of_limitations",
    "zombie_debt_detection",
    "wage_garnishment_analysis",
    "student_loan_strategy",
    "credit_repair",
    "credit_building",
    "credit_dispute",
    "insolvency_analysis",
    "medical_bill_negotiation",
    "tax_debt_relief",
    "bnpl_analysis",
    "payday_loan_exit",
    "mortgage_relief",
    "debt_consolidation",
    "consumer_rights",
    "debt_freedom_roadmap"
  ],
  "endpoints": [
    {
      "path": "/api/debt/bnpl",
      "method": "GET",
      "description": "True APR calculation, platform-specific risks, escape/consolidation strategy for Klarna, Afterpay, Affirm, Zip, Sezzle.",
      "parameters": [
        {
          "name": "platform",
          "in": "query",
          "required": true,
          "enum": [
            "Affirm",
            "Klarna",
            "Afterpay",
            "Zip",
            "Sezzle",
            "PayBright",
            "Laybuy",
            "Paidy"
          ]
        },
        {
          "name": "balance",
          "in": "query",
          "required": true
        },
        {
          "name": "payments_remaining",
          "in": "query",
          "required": false
        },
        {
          "name": "payment_amount",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.08,
      "payment_required": true
    },
    {
      "path": "/api/debt/build-credit",
      "method": "GET",
      "description": "Product recommendations, phased strategy, realistic milestones for building credit from thin or damaged files.",
      "parameters": [
        {
          "name": "score",
          "in": "query",
          "required": false,
          "default": "0"
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "goal_score",
          "in": "query",
          "required": false,
          "default": "700"
        },
        {
          "name": "income",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/collections",
      "method": "GET",
      "description": "FDCPA/FCA/ACCC consumer rights, validation letter template, cease-and-desist template, violation reporting resources.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "collector",
          "in": "query",
          "required": false,
          "description": "Collection agency name"
        },
        {
          "name": "situation",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.08,
      "payment_required": true
    },
    {
      "path": "/api/debt/consolidate",
      "method": "GET",
      "description": "Personal loan vs balance transfer vs HELOC with specific lender recommendations and break-even math.",
      "parameters": [
        {
          "name": "debts",
          "in": "query",
          "required": true
        },
        {
          "name": "credit_score",
          "in": "query",
          "required": true
        },
        {
          "name": "income",
          "in": "query",
          "required": false
        },
        {
          "name": "homeowner",
          "in": "query",
          "required": false,
          "enum": [
            "true",
            "false"
          ],
          "default": "false"
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/credit",
      "method": "GET",
      "description": "Country-specific credit repair — negative item analysis, dispute strategy, realistic timeline.",
      "parameters": [
        {
          "name": "score",
          "in": "query",
          "required": true
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "negatives",
          "in": "query",
          "required": false,
          "description": "Comma-separated list of negative items"
        },
        {
          "name": "goal",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/dispute",
      "method": "GET",
      "description": "Dispute letter templates, bureau process, escalation path by country (FCRA/ICO/Privacy Act/PIPEDA).",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "negative_items",
          "in": "query",
          "required": false
        },
        {
          "name": "bureau",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.08,
      "payment_required": true
    },
    {
      "path": "/api/debt/freedom-roadmap",
      "method": "GET",
      "description": "Phase-by-phase plan from current debt to debt-free + 10-year wealth projection. Bridges to WealthPulse.",
      "parameters": [
        {
          "name": "debts",
          "in": "query",
          "required": true
        },
        {
          "name": "income",
          "in": "query",
          "required": true,
          "description": "Monthly income in USD"
        },
        {
          "name": "savings",
          "in": "query",
          "required": false
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.15,
      "payment_required": true
    },
    {
      "path": "/api/debt/garnishment",
      "method": "GET",
      "description": "Garnishment rules by jurisdiction — exempt states/countries, protected amounts, how to object.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "state",
          "in": "query",
          "required": false
        },
        {
          "name": "debt_type",
          "in": "query",
          "required": false,
          "default": "credit_card"
        },
        {
          "name": "income",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.08,
      "payment_required": true
    },
    {
      "path": "/api/debt/insolvency",
      "method": "GET",
      "description": "Multi-country insolvency: US Chapter 7/13, UK IVA/DRO/bankruptcy, CA Consumer Proposal, AU Part IX/X.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "income",
          "in": "query",
          "required": false
        },
        {
          "name": "debts",
          "in": "query",
          "required": false
        },
        {
          "name": "assets",
          "in": "query",
          "required": false
        },
        {
          "name": "state",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.2,
      "payment_required": true
    },
    {
      "path": "/api/debt/medical",
      "method": "GET",
      "description": "Charity care application strategy, No Surprises Act rights, itemized bill review, negotiation scripts.",
      "parameters": [
        {
          "name": "bill_amount",
          "in": "query",
          "required": true
        },
        {
          "name": "situation",
          "in": "query",
          "required": false,
          "enum": [
            "uninsured",
            "underinsured",
            "surprise_bill",
            "out_of_network",
            "insurance_denied"
          ],
          "default": "uninsured"
        },
        {
          "name": "insurance",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/mortgage-relief",
      "method": "GET",
      "description": "Forbearance, loan modification, repayment plans, HAF program, foreclosure alternatives by country.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "months_behind",
          "in": "query",
          "required": false,
          "default": "1"
        },
        {
          "name": "servicer",
          "in": "query",
          "required": false
        },
        {
          "name": "loan_type",
          "in": "query",
          "required": false,
          "default": "Conventional",
          "description": "Conventional | FHA | VA | USDA"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.12,
      "payment_required": true
    },
    {
      "path": "/api/debt/negotiate",
      "method": "GET",
      "description": "Hardship program scripts, tactics, and realistic outcomes specific to the named creditor.",
      "parameters": [
        {
          "name": "creditor",
          "in": "query",
          "required": true,
          "description": "Creditor name (e.g., Capital One, Chase, Midland Credit)"
        },
        {
          "name": "balance",
          "in": "query",
          "required": true,
          "description": "Current balance in USD"
        },
        {
          "name": "months_behind",
          "in": "query",
          "required": false,
          "default": "0",
          "description": "Number of months behind on payments"
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.15,
      "payment_required": true
    },
    {
      "path": "/api/debt/payday",
      "method": "GET",
      "description": "True APR, legal rights, extended payment plan options, ACH revocation instructions by state/country.",
      "parameters": [
        {
          "name": "balance",
          "in": "query",
          "required": true
        },
        {
          "name": "fee_rate",
          "in": "query",
          "required": false,
          "description": "Fee rate (e.g., '$15 per $100')"
        },
        {
          "name": "state",
          "in": "query",
          "required": false
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lender",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/payoff",
      "method": "GET",
      "description": "Avalanche, snowball, and hybrid payoff comparison with exact amortization math, interest savings, and milestone calendar.",
      "parameters": [
        {
          "name": "debts",
          "in": "query",
          "required": true,
          "description": "JSON array: [{creditor, balance, rate, minPayment}]"
        },
        {
          "name": "extra_payment",
          "in": "query",
          "required": false,
          "description": "Additional monthly payment amount in USD"
        },
        {
          "name": "method",
          "in": "query",
          "required": false,
          "enum": [
            "avalanche",
            "snowball",
            "hybrid",
            "auto"
          ]
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/priority",
      "method": "GET",
      "description": "Priority ranking using: legal risk, SOL proximity, interest rate, collateral status, account health.",
      "parameters": [
        {
          "name": "debts",
          "in": "query",
          "required": true
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/rights",
      "method": "GET",
      "description": "Governing laws, rights summary, collector prohibitions, enforcement bodies by country.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.05,
      "payment_required": true
    },
    {
      "path": "/api/debt/settle",
      "method": "GET",
      "description": "Realistic settlement percentages, negotiation script, tax implications (1099-C), and zombie debt warnings.",
      "parameters": [
        {
          "name": "creditor",
          "in": "query",
          "required": true
        },
        {
          "name": "balance",
          "in": "query",
          "required": true
        },
        {
          "name": "months_behind",
          "in": "query",
          "required": false,
          "default": "90"
        },
        {
          "name": "debt_type",
          "in": "query",
          "required": false,
          "default": "credit_card"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.15,
      "payment_required": true
    },
    {
      "path": "/api/debt/snapshot",
      "method": "GET",
      "description": "Full debt health assessment — burden score, DTI ratio, danger flags, priority actions, payoff projections.",
      "parameters": [
        {
          "name": "debts",
          "in": "query",
          "required": true,
          "description": "JSON array of debts"
        },
        {
          "name": "income",
          "in": "query",
          "required": false,
          "description": "Monthly income in USD"
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.1,
      "payment_required": true
    },
    {
      "path": "/api/debt/statute",
      "method": "GET",
      "description": "SOL status, zombie debt detection, credit report timeline. Covers all 50 US states + UK, CA provinces, AU states.",
      "parameters": [
        {
          "name": "debt_type",
          "in": "query",
          "required": false,
          "default": "credit_card",
          "description": "credit_card | medical | student_loan | auto | personal_loan"
        },
        {
          "name": "state",
          "in": "query",
          "required": false,
          "description": "US state code (e.g., TX, CA)"
        },
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "province",
          "in": "query",
          "required": false,
          "description": "CA province or AU state code"
        },
        {
          "name": "last_payment",
          "in": "query",
          "required": false,
          "description": "Date of last payment (YYYY-MM-DD) for expiry calculation"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.05,
      "payment_required": true
    },
    {
      "path": "/api/debt/student",
      "method": "GET",
      "description": "Multi-country student loan intelligence: US (IDR/PSLF), UK (Plan 1-5), AU (HECS/HELP), CA (RAP).",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "balance",
          "in": "query",
          "required": true
        },
        {
          "name": "type",
          "in": "query",
          "required": false,
          "enum": [
            "federal",
            "private"
          ],
          "default": "federal"
        },
        {
          "name": "income",
          "in": "query",
          "required": false
        },
        {
          "name": "employer_type",
          "in": "query",
          "required": false,
          "description": "government | nonprofit | private (for PSLF eligibility)"
        },
        {
          "name": "province",
          "in": "query",
          "required": false,
          "description": "CA province or UK plan type"
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.12,
      "payment_required": true
    },
    {
      "path": "/api/debt/tax",
      "method": "GET",
      "description": "IRS Fresh Start / HMRC Time to Pay / CRA Taxpayer Relief / ATO hardship — country-specific programs.",
      "parameters": [
        {
          "name": "country",
          "in": "query",
          "required": false,
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US",
          "description": "Jurisdiction for country-specific rules and programs"
        },
        {
          "name": "amount_owed",
          "in": "query",
          "required": true
        },
        {
          "name": "years_behind",
          "in": "query",
          "required": false,
          "default": "1"
        },
        {
          "name": "situation",
          "in": "query",
          "required": false
        },
        {
          "name": "lang",
          "in": "query",
          "required": false,
          "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
        }
      ],
      "price_usd": 0.12,
      "payment_required": true
    }
  ],
  "jurisdictions": [
    "US",
    "UK",
    "CA",
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  "llms_txt": "https://debtpulse.theaslangroupllc.com/llms.txt",
  "contact": "https://debtpulse.theaslangroupllc.com"
}