{"ok":true,"service":"royal-ruby-x402","free":true,"paid_endpoint":"POST /api/law-lookup","price":"$0.25","network":"eip155:8453","example_request":{"topic":"debt collector calling at night","state":"CO","scope":"both"},"example_response":{"ok":true,"result":{"topic":"debt collector calling at night","jurisdiction":{"state":"CO","scope":"both"},"federal_citations":[{"statute":"FDCPA","citation":"15 U.S.C. § 1692c(a)(3)","section_title":"Restricted communication in connection with debt collection","summary":"A debt collector may not communicate with a consumer at an unusual time or place, or at a time known to be inconvenient. Absent contrary evidence, this means before 8 a.m. or after 9 p.m. local time.","key_provisions":["No calls outside 8 a.m.–9 p.m. consumer's local time","Must stop calling a place the collector knows is inconvenient","Private right of action under 15 U.S.C. § 1692k"]}],"state_citations":[{"statute":"Colorado Fair Debt Collection Practices Act","citation":"C.R.S. § 5-16-105","summary":"Colorado prohibits deceptive, abusive, and unconscionable debt collection practices, supplementing the FDCPA.","key_provisions":["State-level enforcement by the Colorado Attorney General","Private remedies alongside FDCPA claims"]}],"timelines":[{"rule":"Most negative items reporting limit","duration":"7 years from date of first delinquency","source":"15 U.S.C. § 1681c(a)(4)"}],"statute_of_limitations":{"applies":true,"duration_years":6,"starts_running":"Date of last payment or written acknowledgment of the debt","source":"C.R.S. § 13-80-101(1)(f) (open-book accounts)"},"required_documentation":["Call logs with date/time evidence","Written cease-communication request and proof of mailing","Collection notice or validation letter"],"related_topics":["cease communication requests","FDCPA damages","state UDAP statutes"],"confidence":"high","disclaimer":"Information only. Not legal advice. Verify citations independently."}},"cta":"POST /api/law-lookup with an x402 payment header ($0.25 USDC) for a live Claude-researched citation pack."}