{"id":369136,"date":"2017-03-06T17:00:29","date_gmt":"2017-03-06T22:00:29","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/realestate\/foreclosure\/mortgage-modification.html"},"modified":"2026-09-29T14:34:00","modified_gmt":"2026-09-29T19:34:00","slug":"mortgage-modification","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/foreclosure\/mortgage-modification.html","title":{"rendered":"How Does Mortgage Modification Work?"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-28f84493 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">How Does Mortgage Modification Work?<\/h1>\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\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a>\n                | Last updated\n        <time>\n                            September 29, 2026\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\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <ul>\n<li>If you can&#8217;t afford your mortgage payments anymore, modifying the mortgage may help you avoid foreclosure.<\/li>\n<li>A mortgage loan modification can lower your monthly bill or make up for missed payments.<\/li>\n<li>You&#8217;ll need to apply for a mortgage modification with your lender. If the lender doesn&#8217;t agree, you can explore other options to avoid foreclosure.<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"fl-rich-text\">\n<p>Depending upon the state you live in, the legal relationship that you have with your lender will either be in the form of a mortgage or a deed of trust. In general, these terms are\u00a0interchangeable.<\/p>\n<p>There are many reasons why you may suddenly find yourself unable to afford your mortgage payments. Working with your lender to modify your mortgage can help alleviate financial pressure and get you back on track.<\/p>\n<p>Read on to learn about mortgage modification and how it can help you avoid a foreclosure sale. If you&#8217;re facing foreclosure, you may want to get representation from a <a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">real estate lawyer<\/a>. An attorney can help you negotiate with lenders and advise you about your alternative options.<\/p>\n<h2>Mortgage Payments Can Become Unaffordable<\/h2>\n<p>Borrowers may be suffering huge financial strain due to:<\/p>\n<ul>\n<li>Loss of a job<\/li>\n<li>Reduction in income<\/li>\n<li>Unexpected extraordinary expenses<\/li>\n<li>Incapacity due to illness or injury<\/li>\n<li>National crises, such as economic crashes or pandemics<\/li>\n<\/ul>\n<p>The major hazard of missing real estate mortgage payments is the\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-is-foreclosure.html\">threat of foreclosure<\/a>. Many people often wonder how to take care of past-due payments to avoid foreclosure.<\/p>\n<h2>Consequences of Failing To Pay a Mortgage<\/h2>\n<p>When you first took out the loan for your home, you probably secured the loan by giving the bank a <a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/mortgage-basics.html\">mortgage or deed of trust<\/a> on the home you bought. This relationship gives your lender a legal claim to your home.\u00a0<\/p>\n<p>Under the terms of this arrangement, the lender has the power to enforce its legal claim on your home through foreclosure proceedings if you fail to live up to your side of the contract. A foreclosure will have <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-consequences.html\">negative consequences<\/a>.<\/p>\n<p>If the lender does foreclose on your home, then:<\/p>\n<ul>\n<li>Your home will be sold, either at auction or through a private sale<\/li>\n<li>The proceeds of that sale will go towards the remaining amount on your mortgage<\/li>\n<\/ul>\n<p>To <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/how-to-avoid-foreclosure.html\">avoid foreclosure<\/a>, you must make your payments on the loan. If you can&#8217;t afford the current payments, modifying the mortgage could help lower the payments to a more affordable amount.\u00a0<\/p>\n<h2>What Is Mortgage Modification?<\/h2>\n<p>Mortgage modification is the process by which you and your lender agree to change one or more of the terms of your mortgage contract to make your payments more manageable.<\/p>\n<p>It is not a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/do-s-and-don-ts-refinancing.html\">refinance<\/a>\u00a0because it doesn&#8217;t involve paying off the existing mortgage. Instead, the existing mortgage is modified but remains standing.<\/p>\n<h3>Who Should Consider Mortgage Modification?<\/h3>\n<p>You are a better candidate for a mortgage modification and avoiding\u00a0foreclosure\u00a0if:<\/p>\n<ul>\n<li>The value of your home has dropped significantly, such as during a <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/saving-your-home-during-and-after-the-pandemic.html\">market crash<\/a>.\u00a0<\/li>\n<li>You are also behind on mortgage payments.<\/li>\n<\/ul>\n<p>Banks and lenders are less likely to recoup their losses through <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-process.html\">foreclosure proceedings<\/a>. They have an interest in working with homeowners where possible to mitigate losses.<\/p>\n<h3>What Are the Benefits of Modifying a Mortgage?<\/h3>\n<p>Mortgage modification is a type of\u00a0<a href=\"https:\/\/dictionary.findlaw.com\/definition\/loss-mitigation.html\" target=\"_blank\" rel=\"noopener\">loss mitigation,<\/a>\u00a0the process by which lenders help homeowners avoid foreclosure. If you&#8217;re facing foreclosure, modification can also help you\u00a0avoid the <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/alternatives-to-foreclosure.html\">alternatives<\/a> like short sales, surrendering deeds in lieu of foreclosure, and refinancing. This kind of foreclosure prevention also means your\u00a0<a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/credit-score-information-how-to-manage-your-credit-score.html\">credit score<\/a> might suffer a lot less.<\/p>\n<h3>How Can a Mortgage Modification Lower My Payments?<\/h3>\n<p>There are many ways to modify your mortgage to make your home affordable, including:<\/p>\n<ul>\n<li>Lowering the\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/interest-rates-mortgage-points-and-fees.html\">interest rate<\/a>\u00a0of the loan<\/li>\n<li>Extending the term of the loan<\/li>\n<li>Reducing the amount of principal paid in each payment<\/li>\n<li>Temporarily suspending or reducing loan payments (known as\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/behind-on-your-mortgage-payments.html\">loan forbearance<\/a>)<\/li>\n<li>Adding missed payments to the loan balance<\/li>\n<\/ul>\n<p>Mortgage loan modification can help achieve reinstatement of the loan by bringing your payments current. Some lenders may also require a repayment plan\u00a0trial period,\u00a0often\u00a0around three months long. During this time, the homeowner demonstrates the ability to make the modified loan payments before the modification program is finalized.<\/p>\n<h2>How Do I Modify My Mortgage?<\/h2>\n<p>Mortgage modification sounds like a magical solution, but it requires some legwork on the homeowner&#8217;s part. The mortgage modification process is a negotiation with your mortgage company. It will take perseverance and patience.<\/p>\n<p>The modification process starts with you:<\/p>\n<ul>\n<li>Contacting your mortgage lender<\/li>\n<li>Discussing the problem<\/li>\n<li>Proposing a solution<\/li>\n<\/ul>\n<p>The end goal will be to reach an agreement on new terms resulting in an affordable monthly mortgage payment. An\u00a0affordable\u00a0mortgage payment is\u00a0defined as 28% of your gross monthly income.<\/p>\n<h3>Prove Financial Hardship<\/h3>\n<p>Before agreeing to modify your loan, your lender will require you to demonstrate financial hardship. You will need to provide a variety of different documents, including:<\/p>\n<ul>\n<li>Financial statements and tax returns<\/li>\n<li>Paystubs and other proof of income<\/li>\n<li>Bank statements<\/li>\n<li>A loan modification hardship letter explaining your difficulties<\/li>\n<\/ul>\n<p>When assembling and submitting these documents, be vigilant and accurate. Confirm that your submission is complete and includes all requested statements. If your submission is incomplete, you risk your modification request dropping to the bottom of the pile.<\/p>\n<h3>Communicate With Your Lender<\/h3>\n<p>Throughout the modification process,\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/contacting-your-loan-servicer.html\">constant communication with your mortgage servicer<\/a> will be key. Ask questions, clarify, and stay in touch with your loan servicer. Be persistent and follow up. This will take some effort on your part, and you may feel frustrated. However, remember the significant payoff from these efforts: financial stability and preventing foreclosure.<\/p>\n<h3>Consider Counseling and Government Programs<\/h3>\n<p>You can also\u00a0consider taking advantage of the <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/how-to-get-government-help-to-stop-a-foreclosure.html\">free help<\/a> offered by government agencies. The U.S. Department of Housing and Urban Development (HUD) sponsors <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/housing-and-credit-counseling.html\">housing counseling<\/a> agencies throughout the country that offer free or low-cost assistance.<\/p>\n<p>Housing counselors,\u00a0experienced in communicating\u00a0and negotiating with\u00a0lenders,\u00a0can help you navigate the loan modification process. You can search for\u00a0<a href=\"https:\/\/www.hud.gov\/states\/\" target=\"_blank\" rel=\"noopener\">HUD-approved counseling agencies<\/a>\u00a0in your state.<\/p>\n<h2>Beware of Mortgage Modification Scams<\/h2>\n<p>There are a growing number of mortgage modification scams that target homeowners in crisis. While counseling and <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-are-mortgage-assistance-programs.html\">mortgage assistance<\/a> programs can be helpful, you&#8217;ll need to be careful before trusting anyone. A good rule of thumb is if an option seems too good to be true, it is.<\/p>\n<p>Some of the\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/mortgage-modification-scam-warning-signs.html\">warning signs of mortgage modification scams<\/a>\u00a0are:<\/p>\n<ul>\n<li>Mortgage &#8220;counselors&#8221; who demand large up-front payments before doing any work<\/li>\n<li>Offers to pay your mortgage if you sign over the title of your home<\/li>\n<li>Anyone who discourages you from communicating with your lender<\/li>\n<li>Those who claim to know &#8220;secret <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/federal-laws-affecting-foreclosure.html\">federal laws<\/a>&#8221; or have &#8220;secret information&#8221; that can solve your problem<\/li>\n<li>High-pressure sales tactics that feed on your fears<\/li>\n<\/ul>\n<p>Some prey on the vulnerable, including desperate homeowners. Recognizing the warning signs will help you avoid falling victim to a scam.<\/p>\n<h2>Prioritizing Payments With a Second Mortgage<\/h2>\n<p>The order and type of loan are dependent on\u00a0when and in what order it was taken to the other loans secured by your home. For example, the first loan that is taken out on your home, which is often the loan used to make the original purchase, is called the first mortgage. This mortgage is recorded first and should also be paid off first.\u00a0<\/p>\n<p>If a subsequent loan is taken out on the home, it&#8217;s\u00a0called a\u00a0<a href=\"https:\/\/dictionary.findlaw.com\/definition\/mortgage.html\" target=\"_blank\" rel=\"noopener\">second mortgage<\/a>\u00a0and should\u00a0be paid off second. Other loans, called <a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/home-equity-loans.html\">home equity lines of credit (HELOCs)<\/a>, can be taken out and secured by your home as well. As with the other mortgages, the lenders for these additional loans also have the option of foreclosing on your home if you do not pay the loan back.<\/p>\n<p>If your home is foreclosed and sold, the lenders are paid off in order of the seniority of their loans. This means that the lender on the first mortgage gets paid first, the lender on the second mortgage gets paid next, and so on.\u00a0<\/p>\n<p>Depending on the value of your home, the lenders on a second or third mortgage might not get paid at all in the event of a foreclosure process. The\u00a0holder of a second mortgage has less incentive to initiate foreclosure proceedings because they may not get paid at all.<\/p>\n<p>When times get tough, it&#8217;s no wonder that many homeowners have to take out second mortgages\u00a0and\u00a0home equity loans. Sometimes homeowners choose to take on additional mortgage obligations even in good times. This is done to gain funds for home improvement projects, business ventures, or the like.\u00a0<\/p>\n<p>Faced with all of these obligations, making\u00a0payments each month\u00a0on these loans can be quite a financial burden. It&#8217;s best to stay current with the first loan on your home and delay or make reduced payments on the subsequent loans. Often only\u00a0the first and second home loan providers can foreclose on your home.<\/p>\n<p>If you can pay the one or two lenders that could foreclose on your home and avoid paying the others, this could help you avoid foreclosure. By doing this, you have more money to pay your primary lenders with and, at the same time, have a better chance of staying in your home.<\/p>\n<h2>Get Legal Help With Mortgage Modifications<\/h2>\n<p>If you are considering mortgage modification, it may be helpful for you to seek legal help. Speaking with an\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">experienced foreclosure defense lawyer<\/a>\u00a0can help. 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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                                data-testid=\"was-this-helpful-negative-feedback-input-dated\"\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                                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secondary\"\n                    type=\"submit\"\n                    data-testid=\"was-this-helpful-submit-button\"\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                    data-testid=\"was-this-helpful-cancel-button\"\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\" data-testid=\"was-this-helpful-thank-you-icon\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\" data-testid=\"was-this-helpful-thank-you-text\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can communicate with mortgage lenders on your own or with the support of an attorney\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can advocate for your rights as a borrower and protect you if a mortgage lender made an error\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex real estate issues (such as eviction defense) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>When facing foreclosure and mortgage loan issues, you can benefit from legal expertise. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/#USER_GEO\/?fli=esum:FL43\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n\n<div class=\"email-subscription\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                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class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\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\/housing-construction-defects\/\" target=\"_blank\" rel=\"noopener\">Housing and Construction Defects Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/\" target=\"_blank\" rel=\"noopener\">Landlord and Tenant Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/land-use-zoning\/\" target=\"_blank\" rel=\"noopener\">Land Use and  Zoning 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\/eminent-domain\/\" target=\"_blank\" rel=\"noopener\">Eminent Domain Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-law\/\" target=\"_blank\" rel=\"noopener\">Construction Law Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Working with your lender to modify your mortgage can help alleviate financial pressure and get you back on track. Learn about forbearance, home equity loans, HUD, and much more at FindLaw.com.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":369116,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.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":"","_cf_multicollab_revision_bundle":"","footnotes":"","cf_checklist_status":["SEO Title Length","External Links","Alt Text for All Images","Category Assigned"]},"categories":[2741],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-369136","page","type-page","status-publish","hentry","category-realestate"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369136","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=369136"}],"version-history":[{"count":3,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369136\/revisions"}],"predecessor-version":[{"id":413999,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369136\/revisions\/413999"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=369136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=369136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=369136"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=369136"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=369136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}