The API & Human Hub for Debt Collection

Frequently asked questions

What is DebtLayer?

DebtLayer is an API and skills marketplace for AI debt-collection agents. One DebtLayer API key gives your agent access to collection tools, starting with the Previous Payer Scrub, plus free compliance tools and an MCP server.

How does DebtLayer pricing work?

Pay as you go from a prepaid wallet. There are no plans or subscriptions. Every account gets 1,000 free records or calls each month, then each call is debited at the per-unit price shown on the tool's page.

Which DebtLayer tools are live today?

Compliance gates (calling hours and Reg F frequency, contact restrictions, credit reporting, electronic contact, payment authorization), call QA and compliance audits, placement file cleaning and dedupe, dialer and portfolio analytics, collector training and the Previous Payer Scrub are live, plus free compliance tools that need no key. The tools catalog at debtlayer.io/tools shows every tool's current status (Live, Sandbox or Coming soon) and its price per unit.

Does DebtLayer have an MCP server?

Yes. AI agents can connect to DebtLayer's Streamable HTTP MCP server. The free compliance tools work without a key, and paid tools use your DebtLayer API key.