{"id":286929,"date":"2016-04-04T10:41:53","date_gmt":"2016-04-04T15:41:53","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/debt-relief.html"},"modified":"2024-07-30T13:33:26","modified_gmt":"2024-07-30T18:33:26","slug":"debt-relief","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief.html","title":{"rendered":"Debt Relief"},"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            Debt Relief\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            If you are struggling with a large amount of debt, there are debt relief tactics and techniques to try before filing for bankruptcy. Bankruptcy is often viewed as a last resort for debt relief.\n        <\/p>\n    <\/div>\n<\/div>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/amy-vandervort-clark-j-d\/\">Amy Vandervort-Clark, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/susan-richmond-esq\/\">Susan Mills Richmond, Esq.<\/a>\n                | Last updated\n        <time>\n                            July 30, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>You have several legal and financial routes to pursue. You have some legal protections as you try paying down debts. If you&#8217;re worried and financially troubled by debt or&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\">student loans<\/a>, have missed or late payments, and face repossession or foreclosure, learning about debt relief could be the right option.<\/p>\r\n<p>The links below will help you learn about valuable topics or continue reading for an overview of debt relief.<\/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                        Paying Down 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                <\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/paying-down-debt.html\" class=\"fl-list-item-link\">\n                                    <span>Paying Down Debt<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-priority-which-debts-should-you-repay-first.html\" class=\"fl-list-item-link\">\n                                    <span>Which Debts First?<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/ten-ways-to-manage-expenses.html\" class=\"fl-list-item-link\">\n                                    <span>14 Ways to Manage Expenses<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/avoiding-debt-credit-card-do-s-and-don-ts.html\" class=\"fl-list-item-link\">\n                                    <span>Avoiding Debt<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/tips-for-avoiding-debt.html\" class=\"fl-list-item-link\">\n                                    <span>Tips for Avoiding Debt<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/sample-personal-financial-statement.html\" class=\"fl-list-item-link\">\n                                    <span>Personal Financial Statements<\/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                         Bankruptcy vs. Credit Counseling\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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/bankruptcy-vs-credit-counseling-what-s-the-right-choice-for-yo.html\" class=\"fl-list-item-link\">\n                                    <span> Bankruptcy vs. Credit Counseling: What&#039;s the Right Choice for You?<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-negotiation-programs.html\" class=\"fl-list-item-link\">\n                                    <span>Debt Negotiation Programs<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/dealing-with-creditors-informally.html\" class=\"fl-list-item-link\">\n                                    <span>Loan Workouts and Dealing with Creditors Informally<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-management-plans.html\" class=\"fl-list-item-link\">\n                                    <span>Debt Management Plans<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/do-s-and-don-ts-refinancing.html\" class=\"fl-list-item-link\">\n                                    <span>Refinancing<\/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-3-category-overview\"\n               aria-labelledby=\"button-3-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-3-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-3-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                         Debt Collection Laws\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-3-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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-collection-laws.html\" class=\"fl-list-item-link\">\n                                    <span> Debt Collection Laws<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-rights-under-the-credit-card-act.html\" class=\"fl-list-item-link\">\n                                    <span>Credit Card Rules and the CARD Act<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/how-to-stop-debt-collector-harassment.html\" class=\"fl-list-item-link\">\n                                    <span>Stopping Collector Harassment<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/what-should-i-do-if-i-ve-been-sued-for-debt.html\" class=\"fl-list-item-link\">\n                                    <span>What Should I Do if I\u2019ve Been Sued for Debt?<\/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-4-category-overview\"\n               aria-labelledby=\"button-4-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-4-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-4-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Repaying Student Loans\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-4-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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\" class=\"fl-list-item-link\">\n                                    <span> Your Options When You Can&#039;t Repay Student Loans<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/consequences-of-a-student-loan-default.html\" class=\"fl-list-item-link\">\n                                    <span>Consequences of Default<\/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 href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/what-is-the-student-loan-crisis-.html\" class=\"fl-list-item-link\">\n                                    <span>What Is the Student Loan Crisis?<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n            <\/div>\n<\/div>\n\n<p>Learning your rights under debt collection laws&nbsp;is a good idea. This can be tricky to navigate, and companies often try to exploit worried <a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-finances\/debt-collection.html\">consumers facing debt<\/a>.<\/p>\r\n<p>Remember: No matter what your total debt is, you have&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/how-to-stop-debt-collector-harassment.html\">rights against debt collector harassment<\/a>&nbsp;as you work toward being debt-free.<\/p>\r\n<p>Learn about additional topics below or by jumping to a specific section:<\/p>\r\n<ul>\r\n<li><a href=\"#DebtRelief\" >What Is Debt Relief?<\/a><\/li>\r\n<li><a href=\"#DebtReliefProgram\" >Are There Any Programs for Debt Relief?<\/a><\/li>\r\n<li><a href=\"#Start\" >Don&#8217;t Know Where to Start? Review Your Finances First<\/a><\/li>\r\n<li><a href=\"#Budget\" >Making a Budget<\/a><\/li>\r\n<li><a href=\"#PayFirst\" >Deciding Which Debt to Pay Off First<\/a><\/li>\r\n<li><a href=\"#DebtNegotiation\" >Debt Negotiation<\/a><\/li>\r\n<li><a href=\"#Bankruptcy\" >Learn More About Related Topics<\/a><\/li>\r\n<\/ul>\r\n<p>Take the time to examine options and determine which might be the best fit for you.<\/p>\r\n<h2><a id=\"DebtRelief\"><\/a>What Is Debt Relief?<\/h2>\r\n<p>Debt relief is any structured plan to pay down your overall debt and get your personal finances under control. Many options can be undertaken yourself or with professional help.&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/can-a-debt-relief-provider-help-me-with-debt.html\">Debt relief options<\/a>&nbsp;can include:<\/p>\r\n<ul>\r\n<li>Repayment plans or programs<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-management-plans.html\">Debt Management Plans<\/a>&nbsp;(DMP)<\/li>\r\n<li>Credit counseling services<\/li>\r\n<li>Creating and sticking to a budget<\/li>\r\n<li>Creating a personal plan to pay down debt<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-negotiation-programs.html\">Debt negotiations<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/do-s-and-don-ts-refinancing.html\">Refinancing debts<\/a>, such as a mortgage or auto loan<\/li>\r\n<\/ul>\r\n<p>Do your research before leaping into any possible solution.<\/p>\r\n<h2><a id=\"DebtReliefProgram\"><\/a>Finding a Debt Relief Program<\/h2>\r\n<p>For those deep in debt, you might consider&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/can-a-debt-relief-provider-help-me-with-debt.html\">debt relief programs<\/a>. One example is&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/bankruptcy-credit-counseling.html\">consumer credit counseling<\/a>&nbsp;to:<\/p>\r\n<ul>\r\n<li>Educate yourself on debt<\/li>\r\n<li>Ask bigger-picture financial questions<\/li>\r\n<li>Learn to manage day-to-day cash flow challenges<\/li>\r\n<li>Learn how to negotiate with creditors<\/li>\r\n<\/ul>\r\n<p>Some debt counseling organizations are nonprofits, but that doesn&#8217;t guarantee&nbsp;they offer free, affordable, or legitimate services. Understand the agency&#8217;s fees before signing any contracts. Debt relief companies cannot ask for payment prior to providing services.<\/p>\r\n<p>Many&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/bankruptcy-vs--credit-counseling--what-s-the-right-choice-for-yo.html\">credit counselors<\/a>&nbsp;and debt consolidation agencies claim to help consumers reduce their debt. Be careful when choosing a program, as some are&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/avoiding-credit-repair-and-credit-counseling-scams-.html\">scams<\/a>. Research your debt relief agency before making contact. The&nbsp;<a href=\"https:\/\/www.bbb.org\/\" target=\"_blank\" rel=\"noopener\">Better Business Bureau<\/a>&#8216;s website has reviews and a section for consumer complaints.<\/p>\r\n<p>The DOJ provides a list of approved credit counseling agencies. You can also ask your local bank, credit union, bankruptcy,&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">or consumer rights attorney<\/a>&nbsp;for recommendations.<\/p>\r\n<p>If you feel an agency is taking advantage of or scamming you, report them to your&nbsp;<a href=\"https:\/\/www.naag.org\/find-my-ag\/\" target=\"_blank\" rel=\"noopener\">state attorney general&#8217;s office<\/a>,&nbsp;<a href=\"https:\/\/www.usa.gov\/state-consumer\" target=\"_blank\" rel=\"noopener\">local consumer protection office<\/a>, and the&nbsp;<a href=\"https:\/\/www.ftc.gov\/news-events\/topics\/consumer-finance\/debt-relief-credit-repair-scams\" target=\"_blank\" rel=\"noopener\">Federal Trade Commission<\/a>.<\/p>\r\n<h2><a id=\"Start\"><\/a>Don&#8217;t Know Where To Start? Review Your Finances First<\/h2>\r\n<p>Before picking a debt relief option, you&#8217;ll need to&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/creating-and-sticking-to-a-budget.html\">know how much you can afford<\/a>&nbsp;to pay toward your debt each month. Review your past expenses to determine&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/ten-ways-to-manage-expenses.html\">how much you need to live<\/a>. Check your credit report for an accurate picture of your debts and dispute any inaccuracies. It&#8217;s a useful habit to check your credit report on a regular basis.<\/p>\r\n<p>Leave enough for daily necessities like food and gas. Consider areas where you can cut back or save money. Once you have a realistic idea of your debt and expenses, you can determine exactly how much you can put toward them.<\/p>\r\n<p>If you still need time to figure out how to use your&nbsp;debt payment money&nbsp;best, consider setting up a separate savings account to avoid spending it on other things.<\/p>\r\n<h2><a id=\"Budget\"><\/a>Create a Realistic Budget<\/h2>\r\n<p>If you&#8217;re working on cutting down your debt,&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/sample-budget.html\">making a budget<\/a>&nbsp;is an essential first step. Creating and sticking to a budget is also an important way to avoid debt in the first place.<\/p>\r\n<p>You can consider:<\/p>\r\n<ul>\r\n<li>Prioritizing your debts<\/li>\r\n<li>Reviewing your income vs. expenses<\/li>\r\n<li>Reducing and managing your expenses<\/li>\r\n<li>Avoiding excessive spending<\/li>\r\n<li>Refinancing your loans<\/li>\r\n<li>Planning for holidays on a budget<\/li>\r\n<\/ul>\r\n<p>You can&nbsp;understand your finances and&nbsp;make good decisions&nbsp;by mapping out your regular expenses.<\/p>\r\n<h2><a id=\"PayFirst\"><\/a>Consider Which Debt To Pay Off First<\/h2>\r\n<p>Paying down your debt is the first step toward controlling your finances.<\/p>\r\n<p>A common question people ask themselves when they decide to tackle their debt is, &quot;Where do I start?&quot; Of course, every financial situation is different, making that question difficult to answer in simple terms.<\/p>\r\n<p>Some possible ways to handle debt include:<\/p>\r\n<ul>\r\n<li>Knowing what kind of debt you&#8217;re dealing with<\/li>\r\n<li>Figuring out what will give you the most significant boost, such as paying your highest-rate bad debt first or paying off smaller debts and building up to focusing on higher ones<\/li>\r\n<li>Consider the effect on your credit score<\/li>\r\n<\/ul>\r\n<p>There are many ways to approach paying down your debt. FindLaw&#8217;s article&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-priority-which-debts-should-you-repay-first.html\">Which Debt to Pay Off First<\/a>&nbsp;can help you determine what method might work best for you.<\/p>\r\n<h2><a id=\"DebtNegotiation\"><\/a>Personal or Professional Debt Relief Option: Debt Negotiation<\/h2>\r\n<p>You may be able to reduce the overall amount you owe by&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/dealing-with-creditors-informally.html\">negotiating&nbsp;with your creditors<\/a>. Your main goal should be to delay or minimize monthly&nbsp;payments until your finances improve.<\/p>\r\n<p>Be aware that these kinds of delay tactics may provide temporary relief in the short term but&nbsp;increase the amount&nbsp;you pay in interest over the&nbsp;long term.<\/p>\r\n<p>For credit card debt and other unsecured debt, there are two options:<\/p>\r\n<ul>\r\n<li>Negotiate with the lender to reduce the total amount you owe in exchange for a lump sum payment. Be sure to check with an accountant or attorney about the possible tax consequences of this action. This method is often called &quot;debt settlement,&quot; and debt settlement companies can do it for you.<\/li>\r\n<li>Get a debt consolidation loan. This means you take out another loan, use the cash to pay off all your existing debts, and repay the consolidation loan over time. A consolidation loan often&nbsp;has a lower overall interest rate. Keeping track of one loan rather than several is easier.<\/li>\r\n<\/ul>\r\n<p>You can do this research and negotiation yourself.&nbsp;Consider hiring an attorney or debt negotiation company if you feel out of your depth.<\/p>\r\n<h2><a id=\"Bankruptcy\"><\/a>Is Bankruptcy Your Best Option?<\/h2>\r\n<p>An attorney can help you decide which options are right for you. If you qualify,&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy.html\">bankruptcy<\/a>&nbsp;is one legal option for dealing with financial problems and may offer a fresh start. Two main types of bankruptcy are available for individuals:<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7.html\">Chapter 7 (liquidation bankruptcy)<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">Chapter 13 (reorganization bankruptcy)<\/a><\/li>\r\n<\/ul>\r\n<p>An attorney can review your situation and help you decide if Chapter 7 or Chapter 13 bankruptcy is your best option.<\/p>\r\n<p>If your debt is not making everyday survival difficult&nbsp;and you have a steady income, you may want to consider debt relief before filing for bankruptcy. You must complete credit counseling before filing for bankruptcy, so this might be a useful starting point.<\/p>\r\n<p>If your debt exceeds your ability to pay, you can discharge most debts in Chapter 7 bankruptcy. Chapter 7 is sometimes difficult to qualify for and the debtor must meet a&nbsp;<a href=\"https:\/\/www.uscourts.gov\/forms\/means-test-forms\/chapter-7-means-test-calculation\" target=\"_blank\" rel=\"noopener\">means test<\/a>&nbsp;concerning income level. If you qualify, you must give up your non-exempt assets to help pay your creditors, and your&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/what-is-a-chapter-7-debt-discharge-.html\">remaining debt is eligible for discharge<\/a>.<\/p>\r\n<p>Chapter 13 may be your best choice if you can manage some payments. Chapter 13 negotiates a&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/repayment-plan.html\">settlement plan<\/a>, organizing your qualifying debts into one payment. You pay your assigned&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-is-a-trustee-in-bankruptcy-.html\">bankruptcy trustee<\/a>&nbsp;over&nbsp;three to five years. At the end of the settlement plan, the bankruptcy court will discharge your remaining debt.<\/p>\r\n<p>Any bankruptcy will have a negative&nbsp;impact on&nbsp;your&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/after-bankruptcy\/how-soon-will-my-credit-score-improve-after-bankruptcy-.html\">credit score<\/a>. Bankruptcy remains on your credit report for seven to 10 years.<\/p>\r\n<p>In general, bankruptcy law does not&nbsp;allow the discharge of your student loans, child support, alimony obligations, or income taxes. There are some&nbsp;procedures whereby&nbsp;student loans and income taxes can in some cases be discharged, but these are uncommon.<\/p>\r\n<h2>How a Bankruptcy Attorney Can Help With Debt Relief<\/h2>\r\n<p>Sometimes, despite your best efforts, you need professional help. You should talk to a professional if:<\/p>\r\n<ul>\r\n<li>You&#8217;ve been making your debt payments but see no improvement in your financial situation<\/li>\r\n<li>You can no longer pay your debts<\/li>\r\n<li>You&#8217;re in danger of losing your home or&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/what-should-i-do-if-i-ve-been-sued-for-debt.html\">facing a lawsuit<\/a><\/li>\r\n<\/ul>\r\n<p>Feeling like you&#8217;re drowning in debt can be stressful, but there are some&nbsp;ways to get&nbsp;relief.<\/p>\r\n<p>If you have questions about paying off debt or need help filing for bankruptcy, you should consider speaking with a skilled&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">bankruptcy attorney<\/a>. A bankruptcy attorney can review your options and provide valuable legal advice on payment plans and&nbsp;bankruptcy filings.&nbsp;<\/p>\r\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\" 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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 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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            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                 >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                    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<figure class=\"wp-block-image fl-no-margin\"><img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/image\/upload\/ability-law\/wp-prod\/content-original-images-HandReachingforLifePreserver.jpg\" alt=\"\" \/><\/figure>\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\/\" target=\"_blank\" rel=\"noopener\">Credit Repair Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/debtor-creditor\/\" target=\"_blank\" rel=\"noopener\">Debtor and Creditor Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/\" target=\"_blank\" rel=\"noopener\">Real Estate Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/divorce\/\" target=\"_blank\" rel=\"noopener\">Divorce Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div><div class=\"popularRecent\">\n    <div class=\"row popular-recent\">\n        <h2 class=\"popular-recent-title\">Looking for More Information?<\/h2>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849290\/ability-law\/wp-prod\/general-components-popular-recent-popular\/general-components-popular-recent-popular.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Popular Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\">Your Options When You Can&#8217;t Repay Student Loans<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/how-to-stop-debt-collector-harassment.html\">How to Stop Debt Collector Harassment<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/what-should-i-do-if-i-ve-been-sued-for-debt.html\">What Should I Do if I&#8217;ve Been Sued for Debt?<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/sample-personal-financial-statement.html\">Sample Personal Financial Statement<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/consequences-of-a-student-loan-default.html\">Consequences of a Student Loan Default<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849421\/ability-law\/wp-prod\/general-components-popular-recent-recent_12960fdca\/general-components-popular-recent-recent_12960fdca.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Most Recent Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-management-plans.html\">\n                                What is a Debt Management Plan (DMP)?\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n       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                         <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/do-s-and-don-ts-refinancing.html\">\n                                Refinancing Do&#8217;s and Don&#8217;ts\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/dealing-with-creditors-informally.html\">\n                                Loan Workouts and Dealing with Creditors Informally\n                            <\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Consumers who find themselves in debt have several relief options at their disposal. Learn about repayment, negotiation, Chapter 7 bankruptcy, Chapter 13 bankruptcy, credit counseling, scams to beware of, and much more in FindLaw&#8217;s section on debt relief.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286812,"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-286929","page","type-page","status-publish","hentry","category-bankruptcy"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286929","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=286929"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286929\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286812"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=286929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=286929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=286929"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=286929"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=286929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}