{"id":3926,"date":"2021-12-16T11:17:12","date_gmt":"2021-12-16T11:17:12","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=3926"},"modified":"2022-02-01T11:21:24","modified_gmt":"2022-02-01T11:21:24","slug":"is-a-chapter-13-reorganization-bankruptcy-for-me","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/is-a-chapter-13-reorganization-bankruptcy-for-me\/","title":{"rendered":"Is a Chapter 13 Reorganization Bankruptcy For Me?"},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"aligncenter wp-image-3928 size-full\" title=\"what type of bankruptcy is chapter 13\" src=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy.jpg\" alt=\"what type of bankruptcy is chapter 13\" width=\"626\" height=\"447\" srcset=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy-200x143.jpg 200w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy-300x214.jpg 300w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy-400x286.jpg 400w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy-600x428.jpg 600w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/02\/types-of-bankruptcy.jpg 626w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/><\/span><\/i><\/p>\n<p><i><span style=\"font-weight: 400;\">Considering a Chapter 13 Bankruptcy Case<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Before you file for <\/span><b>reorganization bankruptcy<\/b><span style=\"font-weight: 400;\">, you must consider all of your debts, including those that must be paid within and outside of the debt repayment agreement. In addition to this, you must also be aware of other debt-relief options and decide on the best path moving forward.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to know how to file properly or if you have questions on filing bankruptcy, seek the legal services of a local attorney experienced with bankruptcy proceedings. A reliable <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/\"><span style=\"font-weight: 400;\">Phoenix bankruptcy lawyer<\/span><\/a><span style=\"font-weight: 400;\"> can answer your questions about the legal process and help you have a fresh start in life.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you plan to file for bankruptcy or require preliminary bankruptcy information,\u00a0 give us a call.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will discuss bankruptcies under Chapter 13. It is composed of the following sections:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Basics of a Chapter 13 Bankruptcy Declaration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Questions to Ask Yourself Before Declaring Bankruptcy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Qualifying For and Declaring Bankruptcy under Chapter 13<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Learning More About the Debt Repayment Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Types of Debt that Must Be Repaid Under Chapter 13 Bankruptcy<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Basics_of_a_Chapter_13_Bankruptcy_Declaration\"><\/span><b>Basics of a Chapter 13 Bankruptcy Declaration<\/b><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-662d0ef9cdcd0\" 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-662d0ef9cdcd0\"  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\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Basics_of_a_Chapter_13_Bankruptcy_Declaration\" title=\"Basics of a Chapter 13 Bankruptcy Declaration\">Basics of a Chapter 13 Bankruptcy Declaration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Questions_to_Ask_Yourself_Before_Declaring_Bankruptcy\" title=\"Questions to Ask Yourself Before Declaring Bankruptcy\">Questions to Ask Yourself Before Declaring Bankruptcy<\/a><\/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\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Qualifying_For_and_Declaring_Bankruptcy_under_Chapter_13\" title=\"Qualifying For and Declaring Bankruptcy under Chapter 13\">Qualifying For and Declaring Bankruptcy under Chapter 13<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Learning_More_About_the_Debt_Repayment_Plan\" title=\"Learning More About the Debt Repayment Plan\">Learning More About the Debt Repayment Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Types_of_Debt_that_Must_Be_Repaid_Under_Chapter_13_Bankruptcy\" title=\"Types of Debt that Must Be Repaid Under Chapter 13 Bankruptcy\u00a0\">Types of Debt that Must Be Repaid Under Chapter 13 Bankruptcy\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/is-a-chapter-13-reorganization-bankruptcy-for-me\/#Contact_our_Phoenix_Bankruptcy_Law_Office_Today\" title=\"Contact our Phoenix Bankruptcy Law Office Today!\">Contact our Phoenix Bankruptcy Law Office Today!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">It is not unusual for most people who file for bankruptcy to be confused with the ins and outs of the bankruptcy procedure and the necessary <\/span><b>supporting documents<\/b><span style=\"font-weight: 400;\">. This can be very stressful. If you are considering bankruptcy, promptly get in touch with a local attorney from a trusted law office.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The different types of bankruptcy have advantages and disadvantages. If you are seeking debt relief and have decided to <\/span><b>file bankruptcy under Chapter 13<\/b><span style=\"font-weight: 400;\">, you will be required to propose a payment plan that should enable you to repay debts in three or five years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A Chapter 13 filing is longer than common forms of consumer bankruptcy (such as a Chapter 7, which is often best for unpaid medical bills, credit card debts, and personal loans). However, in certain cases, bankruptcy Chapter 13 may still be the best option. Additionally, your filing will appear on credit reports for a relatively shorter period of time, and credit scores will still eventually improve.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Questions_to_Ask_Yourself_Before_Declaring_Bankruptcy\"><\/span><b>Questions to Ask Yourself Before Declaring Bankruptcy<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Getting a credible Arizona bankruptcy lawyer would help you get familiar with personal bankruptcy and the entire bankruptcy process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankruptcy laws detail how a filing helps in avoiding foreclosures, but note that certain requirements must be met before you can declare bankruptcy. A Chapter 13, for example, is dubbed as <\/span><b>wage earners bankruptcy<\/b><span style=\"font-weight: 400;\"> due to the regular income requirement that some filers fail to meet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To know if bankruptcy Chapter 13 is the best choice for you, ask yourself the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do I want to keep specific assets?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Am I behind on my car payments or mortgage and wish to make these up?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do my debts include child support, student loans, or recent taxes that most likely cannot be discharged by Chapter 7 or bankruptcy in general, but paying off what is owed from other lender types would help wipe off these debts?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do I have a co-signer on any account in arrears?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do I want to have my co-signer protected while I pay off what I owe and clear the co-signed debt?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The requirements, qualifications and the entire legal process can be confusing and overwhelming. As such, it is best to get the legal services of a trusted local attorney who can explain to you how to file correctly. <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/best-phoenix-bankruptcy-attorneys\/bankruptcy-filing-basics\/\"><span style=\"font-weight: 400;\">Filing for bankruptcy<\/span><\/a><span style=\"font-weight: 400;\"> is not easy, but it is something that can give you a fresh start in life. All it takes is a reliable legal aid and the courage to take the first step.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Qualifying_For_and_Declaring_Bankruptcy_under_Chapter_13\"><\/span><b>Qualifying For and Declaring Bankruptcy under Chapter 13<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you qualify for a Chapter 13 bankruptcy filing, you will have to go through the following steps:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Meet with a seasoned legal professional from a local bankruptcy firm and a qualified credit counselor for initial consultations. Discuss finances and debt reorganization plans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Work with your legal counsel and document your eligibility to a <\/span><b>bankruptcy trustee<\/b><span style=\"font-weight: 400;\">, who will then administer proceedings. The goal is to acquire court approval to repay secured and unsecured debts while retaining your assets, or even have certain debts forgiven.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Draft a debt repayment plan, fill out the bankruptcy forms, and prepare the paperwork that you are required to file. Formally submit your bankruptcy petition to be able to benefit from the <\/span><b>automatic stay<\/b><span style=\"font-weight: 400;\"> and prevent lenders from attempting to contact you for repayment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submitting your proposed payment plan 14 days after filing the petition and <\/span><b>work on making payments<\/b><span style=\"font-weight: 400;\"> within 30 days from filing, even if the plan has not yet been approved by the bankruptcy court.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go through the scheduled <\/span><b>meeting with creditors<\/b><span style=\"font-weight: 400;\"> and subsequent confirmation hearing, where your payment plan is confirmed. Prior to the completion of the bankruptcy, a debtor education course is often required.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Before knowing if filing for bankruptcy under Chapter 13 is the best choice for you, it might be helpful to first check if you qualify. For you to be able to file for bankruptcy under this, the following must be met:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There must be regular income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total unsecured debt must be below $394,725<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total secured debt must be below $1,184,200<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax filings are regular and brought current<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Chapter 13 has been filed in the last two years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Chapter 7 has been filed in the last four years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the last 180 days, no bankruptcy petition has been filed and dismissed because of failure to appear or comply with orders from the court<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Learning_More_About_the_Debt_Repayment_Plan\"><\/span><b>Learning More About the Debt Repayment Plan<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pursuant to relevant bankruptcy laws, a debtor who wishes to keep the property and <\/span><b>avoid foreclosure<\/b><span style=\"font-weight: 400;\"> must pay off arrearages on your real or personal property. This is especially applicable to keep a secured asset, such as a car or home. Some bankruptcy courts will require <\/span><b>mortgage payments<\/b><span style=\"font-weight: 400;\"> to be made directly to lenders, while others need you to include them in your debt repayment plan.\u00a0<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankrupt individuals are often given <\/span><b>three or five years<\/b><span style=\"font-weight: 400;\"> to pay back what is owed, with higher income filers usually paying more per month. The period of time will depend on both the median income and your monthly income, six months before filing a bankruptcy petition. Additionally, electricity, phone, tax, and child support payments are often made outside the payment plan.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To avoid mistakes, it is vital to seek legal assistance early on. Our diligent and dedicated Phoenix, AZ bankruptcy lawyers will assist you on how to file, explain relevant state law, and help you have a successful bankruptcy filing.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Debt_that_Must_Be_Repaid_Under_Chapter_13_Bankruptcy\"><\/span><b>Types of Debt that Must Be Repaid Under Chapter 13 Bankruptcy\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is generally recommended to seek legal advice from bankruptcy attorneys in Phoenix, AZ before you work on the necessary paperwork, particularly the debt repayment plan. It is something that should be taken very seriously to avoid stressful proceedings.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>trustee<\/b><span style=\"font-weight: 400;\"> in bankruptcy filings will work with you to allocate payments to creditors, particularly the following:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed child support or alimony payments, unpaid federal or state taxes, wages owed to employees, and other priority debts that you must pay in full.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Secured debts that are due to be paid in full within the duration of the repayment plan, although a home or car equity loan may be crammed down to minimize the balance (depending on the actual circumstances)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Secured loans that will not expire during the payment plan\u2019s duration, such as a tax lien<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cumulative amount that lenders of non-priority unsecured debts would be receiving if you filed for Chapter 7 bankruptcy instead<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Administrative costs associated with filing for bankruptcy, such as filing, bankruptcy trustee, and attorney fees<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In general, payments by bankruptcy trustees are attributable to the taxpayer who filed for bankruptcy. This can apply to deductible taxes or business expenses that the trustee has disbursed. In particular, if your Chapter 13 petition for bankruptcy is catching up on home loan arrears, there is a <\/span><b>deduction<\/b><span style=\"font-weight: 400;\"> &#8216;hidden&#8217; within your trustee\u2019s disbursement records. Seek legal advice if you wish to know more about this.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Contact_our_Phoenix_Bankruptcy_Law_Office_Today\"><\/span><b>Contact our Phoenix Bankruptcy Law Office Today!<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to <\/span><b>secure your assets<\/b><span style=\"font-weight: 400;\"> while paying the debts you owe, declaring bankruptcy under Chapter 13 could be the best path to take. However, to be sure that you are filing for bankruptcy correctly, you must consult with reliable lawyers before taking any concrete steps.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our hands-on and hardworking Phoenix bankruptcy lawyers can help you learn more about this. Call us at Phoenix Fresh Start Bankruptcy and avail of legal representation and assistance from a trusted <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/contact\/\"><span style=\"font-weight: 400;\">bankruptcy law firm<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Considering a Chapter 13 Bankruptcy Case Before you file for reorganization bankruptcy, you must consider all of your debts, including those that must be paid within and outside of the debt repayment agreement. In addition to this, you must also be aware of other debt-relief options and decide on the best path moving forward. If you want to know how to file properly or if you have questions on filing bankruptcy, seek the legal services of a local attorney experienced [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3927,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1459],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3926"}],"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=3926"}],"version-history":[{"count":1,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3926\/revisions"}],"predecessor-version":[{"id":3929,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3926\/revisions\/3929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/3927"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=3926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=3926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=3926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}