{"id":3292,"date":"2021-08-19T20:44:08","date_gmt":"2021-08-19T20:44:08","guid":{"rendered":"https:\/\/hsapclaw.com\/?p=3292"},"modified":"2023-04-28T07:21:35","modified_gmt":"2023-04-28T07:21:35","slug":"knowing-your-rights-in-bankruptcy","status":"publish","type":"post","link":"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/","title":{"rendered":"Knowing Your Rights In Bankruptcy"},"content":{"rendered":"<p><a href=\"https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney.webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3293\" title=\"Royal Oak bankruptcy attorney\" src=\"https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney.webp\" alt=\"Royal Oak bankruptcy attorney\" width=\"700\" height=\"467\" srcset=\"https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-200x133.webp 200w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-300x200.webp 300w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-400x267.webp 400w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-600x400.webp 600w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-768x512.webp 768w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney-800x534.webp 800w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/08\/Royal-Oak-bankruptcy-attorney.webp 1024w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Are you facing a pile of seemingly insurmountable credit card bills, loans, and lines of credit? Overwhelming debt may cause you extreme stress, pressure, and undue hardship. When a person or a company is struggling with debt, filing for bankruptcy can be the last resort to solve financial problems, reorganize debts, restructure finances, and live a debt-free life.<\/span><\/p>\n<p><b>Bankruptcy<\/b><span style=\"font-weight: 400;\"> can allow you a fresh start, but it will stay on your credit report for several years. If you are considering bankruptcy, one of the most important decisions you have to make is to choose which type of bankruptcy is right for you. These bankruptcy chapters correspond to portions of the United States bankruptcy code that detail how the debt will be handled during the bankruptcy process. Getting legal aid from a <\/span><a href=\"https:\/\/hsapclaw.com\/\"><span style=\"font-weight: 400;\">competent Royal Oak bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\"> is recommended before you file bankruptcy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankruptcy is a legal proceeding that may have long-term financial and credit consequences. It is important to understand how <\/span><b>bankruptcy laws<\/b><span style=\"font-weight: 400;\"> and the different bankruptcy chapters work before declaring bankruptcy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The article covers the following:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How to Choose the Right <a href=\"\/chapter-7-bankruptcy-exemptions\/\">Bankruptcy Chapter<\/a>?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How Do I Qualify for the Bankruptcy Chapter?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are the Debtor\u2019s Rights in Bankruptcy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are the Creditor\u2019s Rights in Bankruptcy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are the Creditors\u2019 Rights for Secured and Unsecured Claims?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are the Consequences of Bankruptcy Filing?<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Choose_the_Right_Bankruptcy_Chapter\"><\/span><span style=\"font-weight: 400;\">How to Choose the Right <a href=\"\/chapter-7-bankruptcy-exemptions\/\">Bankruptcy Chapter<\/a>?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662aa64d55e4b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662aa64d55e4b\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#How_to_Choose_the_Right_Bankruptcy_Chapter\" title=\"How to Choose the Right Bankruptcy Chapter?\">How to Choose the Right Bankruptcy Chapter?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#Chapter_7_Bankruptcy\" title=\"Chapter 7 Bankruptcy\">Chapter 7 Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#Chapter_13_Bankruptcy\" title=\"Chapter 13 Bankruptcy\">Chapter 13 Bankruptcy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#How_Do_I_Qualify_for_the_Bankruptcy_Chapter\" title=\"How Do I Qualify for the Bankruptcy Chapter?\">How Do I Qualify for the Bankruptcy Chapter?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#What_are_the_Debtors_Rights_in_Bankruptcy\" title=\"What are the Debtor\u2019s Rights in Bankruptcy?\">What are the Debtor\u2019s Rights in Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#What_are_the_Creditors_Rights_in_Bankruptcy\" title=\"What are the Creditor\u2019s Rights in Bankruptcy?\">What are the Creditor\u2019s Rights in Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#What_are_the_Creditors_Rights_for_Secured_and_Unsecured_Claims\" title=\"What are the Creditors\u2019 Rights for Secured and Unsecured Claims?\">What are the Creditors\u2019 Rights for Secured and Unsecured Claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#What_are_the_Consequences_of_Bankruptcy_Filing\" title=\"What are the Consequences of Bankruptcy Filing?\">What are the Consequences of Bankruptcy Filing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/hsapclaw.com\/knowing-your-rights-in-bankruptcy\/#What_is_the_Role_of_a_Bankruptcy_Lawyer\" title=\"What is the Role of a Bankruptcy Lawyer?\">What is the Role of a Bankruptcy Lawyer?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Before you file for bankruptcy, it is important to know how to choose the best bankruptcy chapter depending on your financial situation. There are two common <\/span><b>types of bankruptcy<\/b><span style=\"font-weight: 400;\"> chapters &#8211; Chapter 7 and Chapter 13.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chapter_7_Bankruptcy\"><\/span><strong><a href=\"https:\/\/hsapclaw.com\/chapter-7-bankruptcy\/\">Chapter 7 Bankruptcy<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This type of bankruptcy allows the liquidation of assets to pay your creditors. However, it does not automatically mean that you will give up all the assets that you have acquired. There are certain assets that you can protect from being liquidated using bankruptcy exemptions of the state, while some assets that are classified under the non-exempt property cannot be protected. Under this chapter, your court-appointed United States trustee will be responsible for selling your non-exempt properties. The proceeds will be distributed to your creditors based on the payment plan.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Chapter_13_Bankruptcy\"><\/span><strong><a href=\"https:\/\/hsapclaw.com\/chapter-13-bankruptcy\/\">Chapter 13 Bankruptcy<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In Chapter 13, you must pay back some or the full amount of what you owe to creditors under a debt repayment plan. The most important factor to consider in filing Chapter 13 is sufficient and regular monthly income to wipe out your debts. This chapter allows you to restructure and reorganize your debts through a repayment plan that will last for three to five years. This can be a good option for you if you have non-exempt assets and properties that you want to keep.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_I_Qualify_for_the_Bankruptcy_Chapter\"><\/span><span style=\"font-weight: 400;\">How Do I Qualify for the Bankruptcy Chapter?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before choosing the bankruptcy chapter to be filed, you must undergo the \u201c<a href=\"https:\/\/hsapclaw.com\/how-important-is-the-bankruptcy-means-test-when-declaring-bankruptcy\/\">bankruptcy means test<\/a>\u201d. The key factor that determines your qualification is your monthly income. Your salary must be less than the median income in your state or you must pass the <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/the-bankruptcy-means-test\/\"  rel=\"dofollow\" title=\"bankruptcy means test\" data-linkilo-keyword-link=\"linked\">bankruptcy means test<\/a> to evaluate whether you may fairly be expected to pay off debts through your disposable income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In Chapter 7 bankruptcy, if the income of your family falls below the <\/span><b>median<\/b> <b>income <\/b><span style=\"font-weight: 400;\">of Michigan, it means that you pass the means test. On the other hand, if the income of your family exceeds the median income, you may still be qualified to pass the means test after you deduct a list of the allowable living expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/chapter-13-bankruptcy\/\"  rel=\"dofollow\" title=\"Chapter 13 bankruptcy\" data-linkilo-keyword-link=\"linked\">Chapter 13 bankruptcy<\/a> (wage earner bankruptcy) is considered an expensive option since it requires a debtor to have a stable monthly income. To qualify, you need to pay all non-dischargeable debts and the value of your non-exempt property using all your disposable income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you intend to file Chapter 7 or Chapter 13 bankruptcy, it is a good idea to seek legal advice from a <\/span><a href=\"https:\/\/hsapclaw.com\/bankruptcy-attorneys\/\"><span style=\"font-weight: 400;\">credible Royal Oak bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\">. He or she will assist you with your bankruptcy petition and help ensure that you successfully go through your bankruptcy case.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Debtors_Rights_in_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">What are the Debtor\u2019s Rights in Bankruptcy?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you declare bankruptcy, the court will issue an \u201c<\/span><b>automatic stay<\/b><span style=\"font-weight: 400;\">\u201d. It is a provision in United States bankruptcy law that temporarily prevents creditors, collection agencies, and government entities from pursuing debtors for money that they owe.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A borrower may <a href=\"https:\/\/hsapclaw.com\/sue-abusive-creditors\/\">file a case against a lender<\/a> who continues to contact him or her or attempts to sue after an automatic stay is in place. It lasts as long as the bankruptcy proceeding continues, and it ceases if the case is dismissed or discharged.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Creditors_Rights_in_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">What are the Creditor\u2019s Rights in Bankruptcy?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When a debtor fails to make payments, the creditor has the right to seek compensation through phone calls and by sending notices. If the debtor doesn\u2019t respond, they can send the owed amount to collections. One of the important roles of a <\/span><a href=\"https:\/\/hsapclaw.com\/what-are-the-duties-and-responsibilities-of-a-trustee-in-bankruptcy\/\"><b>bankruptcy trustee<\/b><\/a><span style=\"font-weight: 400;\"> in administering a bankruptcy case is to make sure that creditors\u2019 claims are paid back to the extent possible before discharging a debtor\u2019s debts. If the debtor files for bankruptcy, the creditors are entitled to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Share in any distribution from the bankruptcy estate according to the priority of the claim (most unsecured, non-wage claims come low in the priority scheme, and may receive little or nothing)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be heard by the <a href=\"http:\/\/mieb.uscourts.gov\/\" target=\"_blank\" rel=\"noopener\">bankruptcy court<\/a> in matters concerning the liquidation of the debtor\u2019s nonexempt assets in Chapter 7 and the debtor\u2019s repayment plan in Chapter 13<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Challenge a debtor\u2019s right to a bankruptcy discharge<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Creditors_Rights_for_Secured_and_Unsecured_Claims\"><\/span><span style=\"font-weight: 400;\">What are the Creditors\u2019 Rights for Secured and Unsecured Claims?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In most bankruptcy cases, secured creditors have rights based on a mortgage, a deed of trust, a judgment lien, or a <a href=\"https:\/\/hsapclaw.com\/how-can-my-creditors-take-my-car-or-other-assets\/\">security agreement on personal property<\/a>. Creditors with liens on the property are entitled to receive a value that is equal to the amount of debt or the collateral.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unsecured creditors (those who hold medical bills or <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/credit-card-debt\/\"  rel=\"dofollow\" title=\"credit card debt\" data-linkilo-keyword-link=\"linked\">credit card debt<\/a>) do not have the same rights because of the priority level. Many unsecured creditors will not be paid in Chapter 7, and they may not be entitled to be paid in Chapter 13. Payment depends on how many priority and secured debts the bankruptcy filer has incurred.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Consequences_of_Bankruptcy_Filing\"><\/span><span style=\"font-weight: 400;\">What are the Consequences of Bankruptcy Filing?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bankruptcy comes with both advantages and disadvantages. As a bankrupt individual, you worry about the consequences that you might face once you file for bankruptcy. One of the common concerns is the after-effect of bankruptcy on your <a href=\"https:\/\/hsapclaw.com\/your-credit-score-after-bankruptcy\/\">credit score<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have filed for bankruptcy, it will stay on your credit history for a maximum period of 10 years and it can damage your credit score. However, the effect of bankruptcy in your credit report will gradually fade with time as you think of ways on how to rebuild and improve your credit score after bankruptcy. <a href=\"https:\/\/hsapclaw.com\/9-easy-steps-to-rebuild-your-credit-after-bankruptcy\/\">Rebuilding credit<\/a> requires a lot of effort, hard work, and effective debt management skills.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Role_of_a_Bankruptcy_Lawyer\"><\/span><span style=\"font-weight: 400;\">What is the Role of a Bankruptcy Lawyer?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Filing bankruptcy<\/b><span style=\"font-weight: 400;\"> is a complex and progressive process that will help you solve your debt problems one step at a time. Bankruptcy is a complicated court procedure and a single mistake may lead to the loss of your home, car, or other major assets. It is important to know and understand the whole bankruptcy process to avoid errors. Whatever the case may be, consult a bankruptcy attorney and be knowledgeable about your rights and debt-relief options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For legal help in your bankruptcy filing, do not hesitate to schedule a consultation with our experienced Royal Oak bankruptcy attorneys at Hammerschmidt Stickradt &amp; Associates. Our <\/span><a href=\"https:\/\/hsapclaw.com\/contact\/\"><span style=\"font-weight: 400;\">bankruptcy law firm<\/span><\/a><span style=\"font-weight: 400;\"> will help you choose the best bankruptcy chapter, determine the perfect time to file the paperwork, save the assets that you want to keep, know the rights of both debtors and creditors, and help you achieve financial freedom. We will help you get the best possible result from your bankruptcy filing in Royal Oak.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you facing a pile of seemingly insurmountable credit card bills, loans, and lines of credit? Overwhelming debt may cause you extreme stress, pressure, and [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3293,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"_links":{"self":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3292"}],"collection":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/comments?post=3292"}],"version-history":[{"count":9,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3292\/revisions"}],"predecessor-version":[{"id":4221,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3292\/revisions\/4221"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/media\/3293"}],"wp:attachment":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/media?parent=3292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/categories?post=3292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/tags?post=3292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}