WealthPulse · Wealth Debt Negotiate

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?creditor=Midland+Credit&type=credit_card+%7C+medical+%7C+personal+%7C+auto+%7C+student" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "amazon_link": "https://www.amazon.com/s?k=DIY+debt+negotiation&tag=pulsenetwork7-20",
  "amazon_search": "DIY debt negotiation",
  "best_leverage": "Account is charged off and the creditor is motivated to avoid a full write-down",
  "disclaimer": "For informational purposes only. Not legal or financial advice. Consider consulting a nonprofit credit counselor (NFCC.org) or consumer law attorney for complex situations.",
  "fdcpa_rights": [
    "Right to a written debt validation notice",
    "Right to request the creditor stop calling",
    "Right to dispute the debt in writing"
  ],
  "is_negotiable": true,
  "negotiation_protocol": [
    {
      "action": "Request a supervisor and cite documented hardship",
      "script": "I want to resolve this account. I can offer a one-time lump sum of 35% today.",
      "step": 1
    }
  ],
  "settlement_range": {
    "context": "Charged-off credit card debt typically settles in this range",
    "realistic_high": "50-60% of balance",
    "realistic_low": "30-40% of balance"
  },
  "situation_summary": "Credit card debt in early-stage collections, negotiable",
  "tax_note": "Forgiven debt over $600 is typically reported on a 1099-C as taxable income"
}