Wealth Debt Negotiate

{
  "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"
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?creditor=Midland+Credit&type=credit_card+%7C+medical+%7C+personal+%7C+auto+%7C+student'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?creditor=Midland+Credit&type=credit_card+%7C+medical+%7C+personal+%7C+auto+%7C+student' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.15 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.15" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.15 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fwealthpulse.theaslangroupllc.com%2Fapi%2Fwealth%2Fdebt-negotiate
const res = await pay("https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?creditor=Midland+Credit&type=credit_card+%7C+medical+%7C+personal+%7C+auto+%7C+student");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.15 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.15"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?creditor=Midland+Credit&type=credit_card+%7C+medical+%7C+personal+%7C+auto+%7C+student")
    print(res.status_code, res.text)