fastify.xplaid.liabilities.get(
  accessToken: string,
  options?: {
    accountIds?: string[]
  }
): Promise<{
  accounts: PlaidAccount[]
  liabilities: {
    credit: CreditCardLiability[] | null
    mortgage: MortgageLiability[] | null
    student: StudentLoan[] | null
  }
  item: PlaidItem
  requestId: string
}>

const { liabilities } = await fastify.xplaid.liabilities.get(accessToken);

if (liabilities.credit) {
  for (const card of liabilities.credit) {
    console.log(`Minimum due: $${card.minimum_payment_amount}`);
    console.log(`Due date:    ${card.next_payment_due_date}`);
    console.log(`Overdue:     ${card.is_overdue}`);
  }
}

fastify.get("/finances/debts", async (request, reply) => {
  const item = await db.plaidItems.findFirst({ where: { userId: request.user.id } });
  if (!item) return reply.status(404).send({ error: "No linked account" });

  try {
    const { accounts, liabilities } = await fastify.xplaid.liabilities.get(
      decrypt(item.accessToken)
    );

    const accountMap = Object.fromEntries(accounts.map((a) => [a.account_id, a]));

    const creditCards = (liabilities.credit ?? []).map((c) => ({
      name: accountMap[c.account_id]?.name,
      balance: accountMap[c.account_id]?.balances.current,
      minimumDue: c.minimum_payment_amount,
      dueDate: c.next_payment_due_date,
      isOverdue: c.is_overdue,
      apr: c.aprs?.find((a) => a.apr_type === "purchase_apr")?.apr_percentage,
    }));

    const studentLoans = (liabilities.student ?? []).map((l) => ({
      name: l.loan_name,
      interestRate: l.interest_rate_percentage,
      minimumDue: l.minimum_payment_amount,
      dueDate: l.next_payment_due_date,
      outstandingInterest: l.outstanding_interest_amount,
      payoffDate: l.expected_payoff_date,
    }));

    const overdueCards = creditCards.filter((c) => c.isOverdue);
    if (overdueCards.length > 0) {
      request.log.warn({ count: overdueCards.length }, "User has overdue credit cards");
    }

    return { creditCards, studentLoans, mortgages: liabilities.mortgage ?? [] };
  } catch (error) {
    if (error.plaidError) {
      const { error_type, error_code } = error.plaidError;
      if (error_type === "ITEM_ERROR") {
        return reply.status(428).send({ error: "reauth_required", error_code });
      }
      request.log.error({ error_code }, "Liabilities fetch failed");
      return reply.status(error.statusCode ?? 500).send({ error: error.message });
    }
    throw error;
  }
});

const { liabilities } = await fastify.xplaid.liabilities.get(accessToken);

const overdue = [
  ...(liabilities.credit ?? []).filter((c) => c.is_overdue),
  ...(liabilities.student ?? []).filter((l) => l.is_overdue),
];

if (overdue.length > 0) {
  await notifyUser(`You have ${overdue.length} overdue payment(s).`);
}

package: "@xenterprises/fastify-xplaid"
method: fastify.xplaid.liabilities.get(accessToken, options?)
use-when: Get credit card, mortgage, and student loan liability data — requires "liabilities" product
returns: { liabilities: { credit, mortgage, student }, accounts }