{"id":286924,"date":"2016-04-04T10:41:50","date_gmt":"2016-04-04T15:41:50","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/chapter-13\/filing-for-chapter-13.html"},"modified":"2024-12-23T14:24:07","modified_gmt":"2024-12-23T19:24:07","slug":"filing-for-chapter-13","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html","title":{"rendered":"Filing for Chapter 13"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <div\n    data-testid=\"fl-general-title\"\n    class=\"fl-general-title fl-flex fl-gap20 fl-items-end\"\n>\n    <div class=\"fl-general-title-heading fl-flex fl-flex-column\">\n        <h1\n            class=\"fl-h1 fl-general-title-title fl-no-spacing\"\n            data-testid=\"fl-general-title-title\"\n        >\n            Filing for Chapter 13\n        <\/h1>\n        <p\n            class=\"fl-general-title-description fl-text-xl fl-no-margin\"\n            data-testid=\"fl-general-title-description\"\n        >\n            Bankruptcy creates a structured and manageable way to handle debt.\n        <\/p>\n    <\/div>\n<\/div>\n\n<p>A Chapter 13 bankruptcy petition offers a structured path for dealing with debt. But the way ahead can be confusing if you don&#8217;t understand it.<\/p>\r\n<p>Learn about these related topics, or keep scrolling to learn about frequently asked questions about filing for Chapter 13.<\/p>\r\n\n<div\n    class=\"fl-category-overview\"\n    data-testid=\"fl-category-overview\"\n>\n    <div\n        class=\"fl-accordion fl-category-overview-container\"\n        id=\"category-overview\"\n        data-testid=\"fl-accordion\"\n    >\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-1-category-overview\"\n               aria-labelledby=\"button-1-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-1-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-1-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Learn The Basics\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-1-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-reorganization-bankruptcy.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Overview: Chapter 13<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/who-can-file-for-chapter-13-bankruptcy.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Who Can File?<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>How it Works<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-2-category-overview\"\n               aria-labelledby=\"button-2-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-2-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-2-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Understanding Your Options\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-2-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-vs-chapter-7-bankruptcy.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Chapter 13 vs. Chapter 7<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/state\/property-and-real-estate-laws\/homestead.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>State Homestead Laws<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<section class=\"fl-faq\">\n    <div\n            class=\"fl-accordion fl-faq-container fl-container\"\n            id=\"faq\"\n            data-testid=\"fl-accordion\"\n    >\n        <div class=\"fl-faq-heading-row fl-flex\">\n            <ul\n                    class=\"fl-faq-buttons fl-flex fl-flex-row fl-items-center fl-no-spacing\"\n                    aria-label=\"View all Frequently Asked Questions\"\n            >\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-show-faq\"\n                            data-testid=\"button-show-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-show\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Show All\n                    <\/button>\n                <\/li>\n                <li><span aria-hidden=\"true\">|<\/span><\/li>\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-hide-faq\"\n                            data-testid=\"button-hide-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-hide\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Hide All\n                    <\/button>\n                <\/li>\n            <\/ul>\n        <\/div>\n        <div class=\"fl-faq-questions\">\n            <h3\n                    class=\"fl-faq-title fl-no-margin\"\n                    data-testid=\"fl-faq-title\"\n            >\n                Filing for Chapter 13: FAQ\n            <\/h3>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-1-faq\"\n                        aria-labelledby=\"button-1-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-1\"\n                    >\n                        <button\n                                id=\"button-1-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-1-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            How Do I File for Chapter 13 Bankruptcy?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-1\"\n                            id=\"content-1-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-1-faq\"\n                    >\n                        <p>Before you file for bankruptcy, you must attend\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-credit-counseling-and-debtor-education-information.html\">credit counseling<\/a>.<\/p>\n<p>Then, you must:<\/p>\n<ul>\n<li><a href=\"http:\/\/www.uscourts.gov\/services-forms\/fees\/bankruptcy-court-miscellaneous-fee-schedule\" target=\"_blank\" rel=\"noopener\">Pay a fee<\/a><\/li>\n<li>Provide the bankruptcy court with information about income, debt, expenses, lenders, and creditor holdings of secured and unsecured debt (see below)<\/li>\n<\/ul>\n<p>Once the court receives the appropriate paperwork, a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-is-a-trustee-in-bankruptcy-.html\">trustee<\/a>\u00a0will review the case.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-2-faq\"\n                        aria-labelledby=\"button-2-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-2\"\n                    >\n                        <button\n                                id=\"button-2-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-2-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            What Does My Bankruptcy Trustee Do?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-2\"\n                            id=\"content-2-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-2-faq\"\n                    >\n                        <p>In Chapter 13, the trustee will manage your case and get you from A to Z. They will request information from you, communicate with creditors, and hold a creditors meeting.<\/p>\n<p>You are responsible for filing a repayment plan with the court. Your trustee will also look this over and help answer questions along the way.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-3-faq\"\n                        aria-labelledby=\"button-3-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-3\"\n                    >\n                        <button\n                                id=\"button-3-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-3-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            What Forms and Documents Do I Need for Chapter 13?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-3\"\n                            id=\"content-3-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-3-faq\"\n                    >\n                        <p>To\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-how-it-works.html\">petition for Chapter 13 bankruptcy<\/a>, all debtors must file required forms and documents with the local bankruptcy court in their area. You will provide the court with information about income from all sources, a list of creditors, real and personal property, and living expenses. You must also submit the following documents:<\/p>\n<ul>\n<li>A certificate of completion or proof you attended\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/bankruptcy-credit-counseling.html\">credit counseling<\/a><\/li>\n<li>Your\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/bankruptcy-and-taxes-eliminating-tax-debts-in-bankruptcy.html\">most recent tax return<\/a><\/li>\n<li>Four years of proof that you filed taxes<\/li>\n<li>A repayment plan<\/li>\n<\/ul>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-4-faq\"\n                        aria-labelledby=\"button-4-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-4\"\n                    >\n                        <button\n                                id=\"button-4-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-4-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            What Are the Chapter 13 Filing Fees?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-4\"\n                            id=\"content-4-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-4-faq\"\n                    >\n                        <p>When filing for Chapter 13, you must pay a\u00a0<a href=\"http:\/\/www.uscourts.gov\/services-forms\/fees\/bankruptcy-court-miscellaneous-fee-schedule\" target=\"_blank\" rel=\"noopener\">filing fee and administrative fee<\/a>. As of 2020, the cost to file Chapter 13 is $310.<\/p>\n<p>You can pay the fees in up to four installments as long as the court receives the last installment within 120 days from the date that you filed for bankruptcy. You can ask the court for an extension of up to 60 days if necessary.<\/p>\n<p>Failing to pay the fees may result in the dismissal of your case.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-5-faq\"\n                        aria-labelledby=\"button-5-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-5\"\n                    >\n                        <button\n                                id=\"button-5-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-5-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Does Filing for Chapter 13 Bankruptcy Stop Creditors From Collecting Debt?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-5\"\n                            id=\"content-5-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-5-faq\"\n                    >\n                        <p>Chapter 13 bankruptcy rules state that a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/the-chapter-13-debt-discharge.html\">creditor may no longer pursue collection activities<\/a>\u00a0when someone has filed for bankruptcy.<\/p>\n<p>An &quot;automatic stay&quot; takes effect once you file paperwork and pay the filing fee. An automatic stay bans creditors from further attempts to collect a debt during the bankruptcy.<\/p>\n<p>This also means:<\/p>\n<ul>\n<li>Any lawsuit proceedings must stop<\/li>\n<li>A creditor may not report the debt to credit reporting agencies<\/li>\n<li>Your property and income may be temporarily safe from seizure or wage garnishment<\/li>\n<li>In some cases, this may\u00a0<a title=\"Foreclosure\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure.html\">stop a foreclosure on your home<\/a><\/li>\n<\/ul>\n<p>Collection activities may continue for spousal and\u00a0<a title=\"Child Support and Bankruptcy\" href=\"https:\/\/www.findlaw.com\/family\/child-support\/child-support-and-bankruptcy.html\">child support<\/a>, tax debt, and pension loans, however.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-6-faq\"\n                        aria-labelledby=\"button-6-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-6\"\n                    >\n                        <button\n                                id=\"button-6-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-6-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Is Credit Card Debt Included in a Chapter 13 Repayment Plan?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-6\"\n                            id=\"content-6-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-6-faq\"\n                    >\n                        <p>To qualify for Chapter 13 bankruptcy, you must repay all\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/repaying-debts.html\">secured creditors and priority debts<\/a>\u00a0in full. They also must repay a portion of the amount owed to unsecured creditors. Unsecured debt includes money owed on a credit card.<\/p>\n<p>A Chapter 13 bankruptcy places a filer&#8217;s debt into a repayment plan. A bankruptcy court will not approve a plan unless you repay all priority and secured debt in full.<\/p>\n<p>The repayment plan must also require you to repay unsecured creditors in an\u00a0amount equal in value\u00a0to the filer&#8217;s non-exempt property.<\/p>\n<p>Non-exempt property includes any interest held in real property, business assets, and artwork. Once a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">Chapter 13 repayment plan<\/a>\u00a0begins, a trustee will disburse the monthly payment made by you to the creditors each month.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-7-faq\"\n                        aria-labelledby=\"button-7-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-7\"\n                    >\n                        <button\n                                id=\"button-7-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-7-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Will a Chapter 13 Bankruptcy Discharge My Student Loan Debt?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-7\"\n                            id=\"content-7-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-7-faq\"\n                    >\n                        <p>A bankruptcy court almost always makes you repay student loan debt. Chapter 13 bankruptcy rules treat student loan debt just like a priority debt \u2013 it must be paid back in full (the same is true for back taxes and child support payments). Student loan debt is only dischargeable upon a showing of &quot;undue hardship.&quot;<\/p>\n<p>Typically, it is difficult to convince a bankruptcy court of undue hardship. They will consider factors like:<\/p>\n<ul>\n<li>Poverty<\/li>\n<li>Permanent illness or disability<\/li>\n<li>A good-faith effort to repay the loan<\/li>\n<\/ul>\n<p>To have a student loan debt dismissed, you must file a separate action in bankruptcy court \u2014 called a &quot;Complaint to Determine Dischargeability of a Debt.&quot;<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-8-faq\"\n                        aria-labelledby=\"button-8-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-8\"\n                    >\n                        <button\n                                id=\"button-8-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-8-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Can a Creditor Begin Collections If I Miss a Scheduled Payment?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-8\"\n                            id=\"content-8-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-8-faq\"\n                    >\n                        <p>If you miss a scheduled payment, Chapter 13 bankruptcy rules allow the trustee to file an &quot;action for dismissal&quot; with the bankruptcy court. This happens because you are breaking your court-approved Chapter 13 repayment plan. Your bankruptcy trustee can ask the courts to dismiss the case if you stop paying your creditors.<\/p>\n<p>You may be able to prevent the dismissal of a case by:<\/p>\n<ul>\n<li>Establishing your ability to repay the debt under the current plan<\/li>\n<li>Requesting that the court approve a new plan<\/li>\n<\/ul>\n<p>If the bankruptcy court dismisses the case, a creditor may restart collection activities against you. Bankruptcy laws that would stop collection attempts from agencies will no longer protect you at this point. Creditors can restart their attempts to collect the current amount owed on the debt and collect any interest on the debt that happened while you were in bankruptcy.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-9-faq\"\n                        aria-labelledby=\"button-9-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-9\"\n                    >\n                        <button\n                                id=\"button-9-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-9-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            What Are My &#8220;Obligations&#8221; Under Chapter 13?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-9\"\n                            id=\"content-9-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-9-faq\"\n                    >\n                        <p>Filing for\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">Chapter 13<\/a>\u00a0lets you keep your property and repay creditors over time in a three or five-year repayment plan:<\/p>\n<ul>\n<li>If your current monthly income exceeds your state&#8217;s median income,\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">you must repay creditors<\/a>\u00a0in a five-year plan. Your income is your average income for the past six months before filing for bankruptcy.<\/li>\n<li>If your current monthly income is equal to or less than your state&#8217;s median income, you can repay creditors in a three-year plan. This may be up to the bankruptcy court in your area.<\/li>\n<\/ul>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-10-faq\"\n                        aria-labelledby=\"button-10-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-10\"\n                    >\n                        <button\n                                id=\"button-10-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-10-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            How Do I Repay Creditors in Chapter 13?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-10\"\n                            id=\"content-10-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-10-faq\"\n                    >\n                        <p>You must begin making payments according to the proposed\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/repayment-plan.html\">three- or five-year repayment plan<\/a>\u00a0within 30 days after filing for Chapter 13. The bankruptcy trustee (a person hired by the court to handle your bankruptcy) will hold the payments until the court either confirms or denies your plan.<\/p>\n<p>If the court denies the plan, the trustee will return the money (minus administrative costs) to you. If the court confirms your plan, the trustee will distribute the funds to creditors following the program you created.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-11-faq\"\n                        aria-labelledby=\"button-11-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-11\"\n                    >\n                        <button\n                                id=\"button-11-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-11-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Do I Have to Handle Payments Myself?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-11\"\n                            id=\"content-11-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-11-faq\"\n                    >\n                        <p>No, your trustee will handle paying your creditors. A Chapter 13 plan will typically require you to make regular payments monthly or bimonthly to the trustee or through a payroll deduction.<\/p>\n<p>The trustee will distribute the money to pay for:<\/p>\n<ul>\n<li>Administrative fees<\/li>\n<li>Priority debts (a claim not secured by collateral but subject to repayment in full in Chapter 13)<\/li>\n<li>Secured debt (a debt secured by a property)<\/li>\n<li>Unsecured debt (a debt without the right to take specific property for an unpaid claim)<\/li>\n<\/ul>\n<p>Your repayment plan must prioritize payments as follows:<\/p>\n<ul>\n<li>Pay administrative fees in full (with a statutory trustee fee ranging from 3% to 10% plus any attorney fees)<\/li>\n<li>Pay priority debts in full<\/li>\n<li>Secured debts that survive bankruptcy must stay current. You must pay overdue payments in full during the life of the plan.<\/li>\n<li>Pay other secured debts in full<\/li>\n<li>Pay unsecured creditors an amount equal to your non-exempt property. You must use all disposable income (current monthly income minus allowed expenses) to pay unsecured creditors over the plan&#8217;s life.<\/li>\n<\/ul>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-12-faq\"\n                        aria-labelledby=\"button-12-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-12\"\n                    >\n                        <button\n                                id=\"button-12-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-12-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Where Can I Find a Chapter 13 Bankruptcy Lawyer?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-12\"\n                            id=\"content-12-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-12-faq\"\n                    >\n                        <p>FindLaw.com offers an\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">extensive directory of bankruptcy lawyers<\/a>, including lawyers in your area. Get some peace of mind today by contacting a local bankruptcy attorney to discuss your potential bankruptcy filing.<\/p>\n\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        \n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Popular Directory Searches<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/\" target=\"_blank\" rel=\"noopener\">Bankruptcy Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/\" target=\"_blank\" rel=\"noopener\">Foreclosure and Alternatives Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/collections\/\" target=\"_blank\" rel=\"noopener\">Collections Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/credit-repair\/\" 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bankruptcy.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286914,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/OverviewPageController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2727],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-286924","page","type-page","status-publish","hentry","category-bankruptcy"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286924","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=286924"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286924\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286914"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=286924"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=286924"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=286924"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=286924"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=286924"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}