{"id":3732,"date":"2021-08-19T19:12:32","date_gmt":"2021-08-19T19:12:32","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=3732"},"modified":"2021-12-15T09:42:55","modified_gmt":"2021-12-15T09:42:55","slug":"how-chapter-13-bankruptcy-can-help","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/","title":{"rendered":"How Chapter 13 Bankruptcy Can Help"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-top:0px;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys.webp\"><img decoding=\"async\" class=\"aligncenter wp-image-3734\" title=\"Phoenix bankruptcy attorneys\" src=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys.webp\" alt=\"Phoenix bankruptcy attorneys\" width=\"700\" height=\"467\" srcset=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-200x133.webp 200w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-300x200.webp 300w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-400x267.webp 400w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-450x300.webp 450w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-600x400.webp 600w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-768x512.webp 768w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys-800x534.webp 800w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/08\/Phoenix-bankruptcy-attorneys.webp 1024w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Slowly but surely the country is rising from the pandemic. Sadly, it doesn\u2019t erase the devastating effect on many Americans\u2019 financial situation. If you\u2019re struggling with crippling medical debt, student loan debt, tax debt, or credit card debt, filing bankruptcy under Chapter 13 of the US Bankruptcy Code can help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll discuss the advantages of filing Chapter 13, the requirements, and the steps to do so. If you have any more questions, feel free to ask <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/\"><span style=\"font-weight: 400;\">our experienced Phoenix bankruptcy attorneys!<\/span><\/a><\/p>\n<\/p>\n<h2 data-fontsize=\"44\" style=\"--fontSize:44; line-height: 1.05;\" data-lineheight=\"46.2px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"How_Chapter_13_Works\"><\/span><strong>How Chapter 13 Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-663c9e5273da9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-663c9e5273da9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#How_Chapter_13_Works\" title=\"How Chapter 13 Works\">How Chapter 13 Works<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Comparing_to_Chapter_7\" title=\"Comparing to Chapter 7\">Comparing to Chapter 7<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#The_Perks_of_Chapter_13\" title=\"The Perks of Chapter 13\">The Perks of Chapter 13<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Lighten_the_Burden_on_your_Credit_Score\" title=\"Lighten the Burden on your Credit Score\">Lighten the Burden on your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Prevent_Foreclosure_and_Repossession\" title=\"Prevent Foreclosure and Repossession\">Prevent Foreclosure and Repossession<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Avoid_Dealing_with_Creditors\" title=\"Avoid Dealing with Creditors\">Avoid Dealing with Creditors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Protect_your_Co-Signers\" title=\"Protect your Co-Signers\">Protect your Co-Signers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Extend_your_Debts\" title=\"Extend your Debts\">Extend your Debts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#How_to_File_for_Chapter_13\" title=\"How to File for Chapter 13\">How to File for Chapter 13<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Eligibility\" title=\"Eligibility\">Eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Steps_for_Filing_Chapter_13\" title=\"Steps for Filing Chapter 13\">Steps for Filing Chapter 13<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-chapter-13-bankruptcy-can-help\/#Final_Thoughts\" title=\"Final Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/\"><span style=\"font-weight: 400;\">Chapter 13 <\/span><\/a><span style=\"font-weight: 400;\">reorganization is also known as a \u201cwage earner\u2019s plan.\u201d Here you reorganize your debts and propose a repayment plan for these to the bankruptcy court. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once approved, you make monthly payments to a bankruptcy trustee for three to five years, depending on your income. It lasts three years if your monthly earnings are lower than the state median, otherwise, it lasts for five. Once you\u2019ve paid off your plan, you can get your debts discharged, meaning you no longer have any personal obligation to pay them off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you file for bankruptcy, the court orders an <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-automatic-stay\/\">automatic stay<\/a>. This prevents anyone &#8211; individual debt collectors, collection agencies, or attorneys &#8211; to pursue any collection effort. This includes both collection calls and lawsuits. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Comparing_to_Chapter_7\"><\/span><strong>Comparing to Chapter 7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another common option for debtors in <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7\/arizona-chapter-7-bankruptcy\/\"><span style=\"font-weight: 400;\">Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> bankruptcy. Here, the bankruptcy trustee takes your nonexempt property and liquidates them to pay off your creditors. Any debt that remains after this process gets discharged (with some exceptions, like alimony or student loans).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re unsure which bankruptcy chapter fits your needs, <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/schedule\/\"><span style=\"font-weight: 400;\">schedule a free consultation<\/span><\/a><span style=\"font-weight: 400;\"> with our skilled Phoenix bankruptcy attorneys. We\u2019ll give you your options so you can make an informed decision. Call us now!<\/span><\/p>\n<\/p>\n<h2 data-fontsize=\"44\" style=\"--fontSize:44; line-height: 1.05;\" data-lineheight=\"46.2px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"The_Perks_of_Chapter_13\"><\/span><strong>The Perks of Chapter 13<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whatever chapter you file offers you bankruptcy protection. However, there are key differences in how the protection works out. Read on as we discuss the advantages of Chapter 13 over Chapter 7.<\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Lighten_the_Burden_on_your_Credit_Score\"><\/span><strong>Lighten the Burden on your Credit Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bankruptcy filings cause your credit score to dip. However, Chapter 13 is much easier to deal with than Chapter 7 in this regard. A Chapter 13 filing appears <\/span><b>on your credit report for seven years<\/b><span style=\"font-weight: 400;\">, while it takes 10 years for Chapter 7.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These three years make a big difference for you to <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/best-phoenix-bankruptcy-attorneys\/free-credit-repair\/\">rebuild your credit<\/a> and secure your financial future. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Prevent_Foreclosure_and_Repossession\"><\/span><strong>Prevent Foreclosure and Repossession<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A Chapter 7 liquidation can delay <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/keep-your-car-in-bankruptcy\/\"><span style=\"font-weight: 400;\">repossession <\/span><\/a><span style=\"font-weight: 400;\">or foreclosure sales but it may not stop them completely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/chapter-13-bankruptcy-repayment-plan\/\">Chapter 13 payment plan<\/a> gives you the chance to protect your house from foreclosure. If you include your missed mortgage payments in your plan, you can eventually catch up and <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/foreclosure-in-phoenix\/\">keep your home<\/a> at the end of the bankruptcy period!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Take note that you have to keep current with your mortgage payments or car payments as well as pay off your Chapter 13 plan monthly. Chapter 7 does not give you this option and will most likely end up with you losing your property. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Avoid_Dealing_with_Creditors\"><\/span><strong>Avoid Dealing with Creditors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While you enjoy Chapter 13 protection, you do not have to directly deal with your creditors. Chapter 13 works much like a consolidation loan. You just have to pay the trustee, instead of dealing with all the different creditors. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Protect_your_Co-Signers\"><\/span><strong>Protect your Co-Signers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Chapter 13 has a provision that also protects other parties who are liable to you. This means you don\u2019t become too much of a burden to your co-signers, who likely are your friends and family. <\/span><\/p>\n<\/p>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Extend_your_Debts\"><\/span><strong>Extend your Debts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another advantage of Chapter 13 is that it allows individuals to <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/obtaining-debt-relief-through-chapter-7-and-chapter-13-bankruptcy\/\">reschedule secured debts<\/a> (other than a mortgage for their primary residence) and extend them over the life of the Chapter 13 plan. Doing this may lower the payments.<\/span><\/p>\n<\/p>\n<h2 data-fontsize=\"44\" style=\"--fontSize:44; line-height: 1.05;\" data-lineheight=\"46.2px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"How_to_File_for_Chapter_13\"><\/span><strong>How to File for Chapter 13<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Eligibility\"><\/span><strong>Eligibility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here are the requirements you have to meet before you can file Chapter 13:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>You have a regular source of income<\/b><span style=\"font-weight: 400;\">. There is no specific income requirement. However, your income does affect how long your repayment plan lasts. <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>You don\u2019t have too much debt. <\/b><span style=\"font-weight: 400;\">You\u2019re allowed to file for bankruptcy under Chapter 13 so long as you don\u2019t exceed the debt limits. These are <\/span><b>$1,256,850 in secured debt <\/b><span style=\"font-weight: 400;\">and <\/span><b>$419,275 in unsecured debt.<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>You\u2019ve kept up with your taxes. <\/b><span style=\"font-weight: 400;\">The court usually looks at several years\u2019 worth of tax filings before allowing you to go for Chapter 13. <\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>You have not filed for bankruptcy in recent years. <\/b><span style=\"font-weight: 400;\">You will not be allowed to file under Chapter 13 if you have a prior Chapter 7 filing in the last four years or a Chapter 13 filing within two years. <\/span><\/li>\n<\/ul>\n<h3 data-fontsize=\"26\" style=\"--fontSize:26; line-height: 1.15;\" data-lineheight=\"29.9px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Steps_for_Filing_Chapter_13\"><\/span><strong>Steps for Filing Chapter 13<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look for a <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/consumer-credit-counseling-agencies\/\">credit counselor<\/a> to discuss your options. You can also talk to a bankruptcy attorney about this as well as help you with all the needed paperwork. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">File the bankruptcy petition. Once you\u2019ve properly filled out the forms, submit them to your local court and pay the $310 fees. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Meet your bankruptcy trustee. This is a neutral person appointed by the court who will take a look at your case and organize a meeting of creditors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attend the <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/341-meeting\/\">meeting of creditors<\/a>. Here, your creditors get the chance to ask you questions about your proposed repayment plan and your debts. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go to your <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13-bankruptcy-confirmation\/\">confirmation hearing<\/a>. Here a judge will decide whether to accept or reject your petition. You can either push through under Chapter 13, modify your plan, or shift to Chapter 7.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay monthly until your bankruptcy ends. Ask the bankruptcy trustee how you can send them your payments. Once you\u2019ve fully paid off your plan, your eligible debts will be discharged and eliminated.  <\/span><\/li>\n<\/ol>\n<h2 data-fontsize=\"44\" style=\"--fontSize:44; line-height: 1.05;\" data-lineheight=\"46.2px\" class=\"fusion-responsive-typography-calculated\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><strong>Final Thoughts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A Chapter 13 bankruptcy lets you restructure your debt so you can catch up on your missed payments. Like anything, it has its pros and cons. Whether you file under Chapter 13 depends on your specific needs. It\u2019s best to discuss your decision with a knowledgeable bankruptcy attorney so that you can decide what\u2019s best for you. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our experienced bankruptcy lawyers at Phoenix Fresh Start have numerous success stories helping people rise through bankruptcy. We\u2019ll secure your debt relief so you can get another chance at a better financial future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What are you waiting for? <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/contact\/\"><span style=\"font-weight: 400;\">Call our Phoenix bankruptcy law firm now<\/span><\/a><span style=\"font-weight: 400;\"> to schedule a free consultation! <\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3734,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1457,37,1459],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3732"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=3732"}],"version-history":[{"count":1,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3732\/revisions"}],"predecessor-version":[{"id":3894,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3732\/revisions\/3894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/3734"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=3732"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=3732"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=3732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}