law lookup derived

{
  "input": {
    "type": "http",
    "method": "POST",
    "queryParams": {}
  },
  "output": {
    "type": "json",
    "example": {
      "ok": true,
      "result": {
        "topic": "credit-report disputes for collection accounts",
        "timelines": [
          {
            "rule": "Most negative items reporting limit",
            "source": "15 U.S.C. § 1681c(a)(4)",
            "duration": "7 years from date of first delinquency"
          }
        ],
        "confidence": "high",
        "disclaimer": "Information only. Not legal advice. Verify citations independently.",
        "jurisdiction": {
          "scope": "both",
          "state": "LA"
        },
        "federal_citations": [
          {
            "statute": "FCRA",
            "summary": "Requires CRAs to investigate disputed items within 30 days and delete or modify if not verified.",
            "citation": "15 U.S.C. § 1681i",
            "section_title": "Procedure in case of disputed accuracy",
            "key_provisions": [
              "30-day investigation window",
              "Furnisher must reinvestigate",
              "Item deleted if unverifiable"
            ]
          }
        ],
        "statute_of_limitations": {
          "source": "La. Civ. Code art. 3494",
          "applies": true,
          "duration_years": 3,
          "starts_running": "Date of last payment or written acknowledgment"
        }
      }
    }
  }
}