---
title: "Propose debt details"
method: POST
path: "/v1/tools/betteroff_propose_debt_details"
tags: ["tools"]
---

# Propose debt details

`POST /v1/tools/betteroff_propose_debt_details`

## Request

- Base URL: `https://api.betteroff.finance`
- URL: `https://api.betteroff.finance/v1/tools/betteroff_propose_debt_details`
- Auth: one of:
  - OpenID Connect (`https://app.betteroff.finance/api/auth/.well-known/openid-configuration`, scopes: `debts:read`, `corrections:prepare`)
  - HTTP bearer

Use this when the user provides a debt's APR, minimum payment, or next due date to save. Propose saving debt details the user states in chat: APR, minimum payment, or next due date, e.g. 'my Chase card APR is 24.99%'. Pass debtId from betteroff_list_debts, else the debt name. Use only numbers the user stated. This changes nothing until the user approves it at the review link; never say it is done.

## Request body

- object
  - `debtId` string, uuid, nullable: The debt's id from betteroff_list_debts. Preferred over debtName.
  - `debtName` string, nullable: The debt's name as betteroff_list_debts returns it. Null when debtId is given.
  - `interestRate` number, nullable, required: APR as a percent, e.g. 24.99. Null to leave it unchanged.
  - `minimumPayment` number, nullable, required: Minimum monthly payment. Null to leave it unchanged.
  - `nextPaymentDueDate` string, date, nullable, required: Next due date as YYYY-MM-DD. Null to leave it unchanged.

## Response `200`

Tool result

- union
  - object
    - `ok` false, required
    - `requestId` string
    - `error` string, required
    - `code` string, required
    - `retryable` boolean, required
    - `nextStep` string, required
    - `field` string
    - `missingInputs` object[]
      - `id` string, required
      - `name` string, required
      - `balanceMissing` boolean, required
      - `interestRateMissing` boolean, required
      - `minimumPaymentMissing` boolean, required
  - object
    - `ok` true, required
    - `requestId` string
    - `schemaVersion` '4', required
    - `data` object, required
      - `id` string, uuid, required
      - `kind` 'category' | 'recurring' | 'debt', required
      - `status` string, required
      - `expiresAt` string, date-time, required
      - `selectedCount` integer, required
      - `matchingCount` integer, required
      - `canSaveRule` boolean, required
      - `input` object, required
      - `preview` object, required
      - `reviewUrl` string, uri, required
      - `note` string, required
    - `currency` string, nullable, required
    - `timezone` string, required
    - `asOf` string, nullable, required
    - `revision` integer, required
    - `householdRevision` integer, required
    - `quality` object, required
      - `state` 'complete' | 'partial' | 'unavailable', required
      - `reasons` string[], required
    - `evidence` object[], required
      - `source` string, required
      - `id` string
      - `observedAt` string, nullable, required
    - `page` object, required
      - `returnedCount` integer, required
      - `totalCount` integer, nullable, required
      - `truncated` boolean, required
      - `nextCursor` Schema2, required (unresolved $ref)
    - `warnings` string[], required
    - `notes` string

## Other responses

- `400`: INVALID_INPUT (a missing, unknown, or invalid argument, named in `fields`), TOOL_CALL_REJECTED, or a body that is not JSON.
- `401`: AGENT_TOKEN_INVALID: the token is missing, expired, or revoked.
- `402`: AGENT_SUBSCRIPTION_INACTIVE or FEATURE_NOT_INCLUDED: needs BetterOff Core.
- `403`: INSUFFICIENT_SCOPE, ACCESS_DENIED, or AGENT_GRANT_REVOKED.
- `404`: TOOL_NOT_FOUND, or NOT_FOUND for a record the org does not have.
- `409`: CONFLICT: the record's state rules this call out. Read it again.
- `422`: INCOMPLETE_DATA or RESULT_TOO_LARGE. Narrow the request; don't retry as is.
- `429`: RATE_LIMITED. Retry after Retry-After seconds.
- `503`: DATA_UNAVAILABLE, DEPENDENCY_UNAVAILABLE (including the 25-second tool deadline), or AGENT_AUTHZ_UNAVAILABLE. Retryable.
- `default`: Problem details

---

[API](https://skmtc.dev/betteroff/apis/betteroff-api.md) · [All operations](https://skmtc.dev/betteroff/apis/betteroff-api/llms.txt) · [OpenAPI document](https://skmtc.dev/betteroff/apis/betteroff-api/revisions/bc858c8d428d?raw)