Credit repair roadmap and negative-item dispute strategy. Returns a step-by-step plan to remove negative items, raise your credit score, and a repair timeline, tailored by country. For credit-repair and debt-relief agents.

Creditor negotiation playbook and hardship-program scripts. Returns word-for-word scripts, negotiation tactics, and realistic outcomes by creditor and months behind. For debt-relief and personal-finance agents.

Tax debt relief and back-taxes payment-plan options. Covers US IRS Fresh Start, UK HMRC Time to Pay, Canada CRA Taxpayer Relief, and Australia ATO hardship provisions, by country. For debt-relief and tax agents.

Wage garnishment exemptions and protected-income calculator. Returns garnishment exemptions by state and country, how much income is protected, and how to object. For consumer-rights and debt-relief agents.

Buy now pay later debt analysis and BNPL true-APR calculator. Computes the real APR on Klarna, Afterpay, Affirm, and Zip balances, flags platform-specific risks, and returns an escape strategy to clear the debt. For debt-relief and personal-finance agents.

Credit building strategy and credit-score improvement plan. Recommends specific secured cards, credit-builder loans, and thin-file tactics to raise your score, tailored by country. For credit and personal-finance agents.

Medical bill negotiation and hospital-bill reduction strategy. Returns charity-care options, No Surprises Act protections, an itemized-bill review, and negotiation scripts to lower the bill. For debt-relief and patient-advocate agents.

Bankruptcy and insolvency options analysis with eligibility and process. Covers US Chapter 7/13, UK IVA/DRO, Canada Consumer Proposal, and Australia Part IX, with means-test thresholds, discharge timelines, costs, and credit impact. For debt-relief and consumer-rights agents.

Student loan repayment and forgiveness strategy. Covers US income-driven repayment (IDR) and PSLF, UK plan comparison, Australia HECS, and Canada RAP, country-specific. For debt-relief and personal-finance agents.

Credit report dispute guide and FCRA dispute-letter templates. Returns ready-to-send letters, the credit-bureau dispute process, and the escalation path, tailored by country. For credit and consumer-rights agents.

Global trade-flow intelligence — World Bank data, shipping AIS and news synthesis: bilateral balances, export composition, route activity and supply-chain risk. For supply-chain and macro agents.

Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.

Real GDP growth (World Bank) versus IMF forward projections for 190+ countries — revision analysis, peer comparison and growth decomposition. For macro and EM research agents.

Multi-indicator recession probability for any country — PMI, yield curve, credit spreads, GDP trajectory and IMF forecasts. For macro and cross-asset agents.

VIIRS satellite nighttime-lights analysis versus official GDP — detects divergence between reported activity and satellite evidence across 100+ countries. For hedge-fund and intelligence agents.

Mortgage relief and foreclosure-prevention options. Returns forbearance, loan-modification, repayment-plan, and foreclosure-alternative paths by country and loan type. For debt-relief and homeowner agents.

Sovereign credit and banking-system stress — World Bank debt data, IMF projections, CDS spreads, ratings and IMF-program status. For EM-bond, credit-insurance and treasury agents.

Comprehensive sovereign economic intelligence for any of 190+ countries — macro fundamentals, fiscal position, external accounts, political risk, currency outlook and investment thesis. Replaces $2,000 EM bank research reports. For hedge-fund and treasury agents.

Gap analysis between official statistics and alternative data (satellite nightlights, shipping AIS, electricity, flights) — flags statistical manipulation and structural shifts. For sovereign-debt and FX agents.

Economic intelligence for frontier and emerging markets where official data is sparse — Sub-Saharan Africa, Central Asia, South/SE Asia and MENA. For development-finance, impact-investing and supply-chain agents.