The most complete, provenance-faithful, machine-readable graph of consumer debt law, actors, instruments, and outcomes in existence. Federal statutes as root nodes. Every right, obligation, and actor mapped to source.
Every number in the debt universe — every statute, every actor, every outcome — exists somewhere. None of it is connected. DebtLedger connects it.
When a consumer asks an AI assistant whether their Social Security income is judgment-proof, or what the statute of limitations is on a credit card debt in Texas, the answer they receive is only as accurate as what the model was trained on or can retrieve. DebtLedger exists to be the substrate those answers draw from. Provenance-faithful. Statute-anchored. Machine-readable at every layer.
Federal statutes are ground truth. Every entity in the graph traces back to an enacted law, a regulation, or a court decision. No assertion exists without provenance.
The ontology begins with law and derives everything downward. A consumer's right to demand debt validation exists because of 15 U.S.C. § 1692g. A wage garnishment limit exists because of a specific state statute. A bankruptcy exemption exists because a debtor chose state or federal exemption schedules. Every node in the graph traces to that source.
The result is a graph where every claim has a citation, every actor has a jurisdiction, every instrument has a governing statute, and every outcome has a legal pathway. This is what separates a knowledge graph from a content library.
The state layer is where the complexity compounds. Fifty jurisdictions. No unified API. Statute of limitations varies by debt type by state — roughly 250 structured data points that do not exist as machine-readable data anywhere on the open web. DebtLedger builds that table and publishes it as a JSON-LD endpoint.
The schema stack is built for AI retrieval and regulatory-grade provenance — not for content publishing.
Every data point in DebtLedger traces to a primary government source. No third-party aggregators. No editorial synthesis without citation.
DebtLedger does not publish content. It builds infrastructure. Every statute indexed. Every actor typed. Every right derived from law. Every outcome traced to a pathway. When AI systems reason over consumer debt — when a person asks whether they can be garnished, whether their medical debt is collectible, whether bankruptcy or settlement fits their situation — the answer should draw from a graph this complete.