{"id":5327,"date":"2023-12-23T09:00:19","date_gmt":"2023-12-23T09:00:19","guid":{"rendered":"https:\/\/nwdrlf.com\/?p=5327"},"modified":"2024-02-29T09:19:06","modified_gmt":"2024-02-29T09:19:06","slug":"bankruptcy-chapter-7-or-13-which-is-better","status":"publish","type":"post","link":"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/","title":{"rendered":"Is Bankruptcy Chapter 7 or 13 a Better Choice?"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1227.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2><span class=\"ez-toc-section\" id=\"Is_it_Better_to_File_Bankruptcy_Chapter_7_or_Chapter_13\"><\/span><b>Is it Better to File Bankruptcy Chapter 7 or Chapter 13?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662dfae8cc984\" 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-662dfae8cc984\"  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:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Is_it_Better_to_File_Bankruptcy_Chapter_7_or_Chapter_13\" title=\"Is it Better to File Bankruptcy Chapter 7 or Chapter 13?\">Is it Better to File Bankruptcy Chapter 7 or Chapter 13?<\/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:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Short_Summary\" title=\"Short Summary:\">Short Summary:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Is_There_Any_Difference_Between_Bankruptcy_Chapter_7_vs_13\" title=\"Is There Any Difference Between Bankruptcy Chapter 7 vs 13?\u00a0\">Is There Any Difference Between Bankruptcy Chapter 7 vs 13?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Choosing_Between_Bankruptcy_Chapter_7_vs_13_in_Oregon\" title=\"Choosing Between Bankruptcy Chapter 7 vs 13 in Oregon\">Choosing Between Bankruptcy Chapter 7 vs 13 in Oregon<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#When_Choosing_Chapter_13_in_OR\" title=\"When Choosing Chapter 13 in OR\">When Choosing Chapter 13 in OR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#When_Choosing_Chapter_7_in_OR\" title=\"When Choosing Chapter 7 in OR\">When Choosing Chapter 7 in OR<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#What_Do_I_Need_to_Qualify_for_Chapter_7_or_Chapter_13_Bankruptcy_in_Oregon\" title=\"What Do I Need to Qualify for Chapter 7 or Chapter 13 Bankruptcy in Oregon?\">What Do I Need to Qualify for Chapter 7 or Chapter 13 Bankruptcy in Oregon?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Qualifications_for_Chapter_7_in_Oregon\" title=\"Qualifications for Chapter 7 in Oregon\u00a0\">Qualifications for Chapter 7 in Oregon\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#Qualifications_for_Chapter_in_Oregon\" title=\"Qualifications for Chapter in Oregon\">Qualifications for Chapter in Oregon<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#How_do_I_Apply_for_Chapter_7_Bankruptcy_in_Oregon\" title=\"How do I Apply for Chapter 7 Bankruptcy in Oregon?\">How do I Apply for Chapter 7 Bankruptcy in Oregon?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#How_do_I_apply_for_Chapter_13_Bankruptcy_in_Oregon\" title=\"How do I apply for Chapter 13 Bankruptcy in Oregon?\u00a0\">How do I apply for Chapter 13 Bankruptcy in Oregon?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/nwdrlf.com\/bankruptcy-chapter-7-or-13-which-is-better\/#The_Need_for_Legal_Services_of_a_Reliable_Local_Attorney\" title=\"The Need for Legal Services of a Reliable Local Attorney\">The Need for Legal Services of a Reliable Local Attorney<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">It is essential to keep in mind that <\/span><a href=\"https:\/\/nwdrlf.com\/rulers-for-multiple-bankruptcy-filers\/\"><span style=\"font-weight: 400;\">different types of bankruptcy are suited for different filers<\/span><\/a><span style=\"font-weight: 400;\">, depending on their resources, obligations, and short- and long-term goals. Seeking legal advice early on is advisable as you look closely into your financial problems and work toward making a decision that will rebuild your financial future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A successful bankruptcy filing under Chapter 7 can wipe out different types of debt. That means that a debtor will no longer need to repay debts they owe from creditors. Alternatively, a <\/span><a href=\"https:\/\/nwdrlf.com\/6-reasons-for-filing-chapter-13-bankruptcy\/\"><span style=\"font-weight: 400;\">Chapter 13 bankruptcy declaration<\/span><\/a><span style=\"font-weight: 400;\"> can help you pay back what you owe to lenders while keeping your assets. If you <\/span><a href=\"https:\/\/nwdrlf.com\/washington-bankruptcy-filing-fee-installment-plans\/\"><span style=\"font-weight: 400;\">plan to file for bankruptcy<\/span><\/a><span style=\"font-weight: 400;\">, seek legal aid right away.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Short_Summary\"><\/span><b>Short Summary:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The choice between Chapter 7 and Chapter 13 bankruptcy depends on individual circumstances, resources, and financial goals.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 7, known as liquidation bankruptcy, provides immediate debt elimination, freeing you from the obligation to repay certain debts.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 13 is beneficial for catching up on late payments and restructuring debts, although it may be costlier and involve monthly payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligibility for Chapter 7 or Chapter 13 is determined by factors such as income, properties, and debt amounts. Understanding specific requirements, waiting periods between filings, and utilizing online tools like the Quick Median Income Test are crucial steps before choosing a bankruptcy type.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 7 is generally recommended unless specific circumstances favor Chapter 13, such as challenging non-dischargeable debts, significant asset equity, or the inability to file Chapter 7 again within eight years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 13 may be suitable for retaining assets, catching up on overdue secured debt payments, or addressing specific financial challenges that Chapter 7 cannot adequately resolve.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Is_There_Any_Difference_Between_Bankruptcy_Chapter_7_vs_13\"><\/span><b>Is There Any Difference Between Bankruptcy Chapter 7 vs 13?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bankruptcy allows for either complete debt elimination or an extended repayment period. Individuals facing insolvency choose bankruptcy since they cannot settle their bills from debts exceeding their income. Chapters 7 and 13 bankruptcies help provide financial freedom and immediate relief.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In achieving this, <\/span><a href=\"https:\/\/nwdrlf.com\/chapter-7-bankruptcy-lawyer\/\"><span style=\"font-weight: 400;\">Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> (also known as liquidation bankruptcy) helps those who cannot afford to repay their debts (like <\/span><a href=\"https:\/\/nwdrlf.com\/credit-card-debt-lasts-longer-in-oregon\/ankruptcy-attorney\/\"><span style=\"font-weight: 400;\">credit card debts, medical debts<\/span><\/a><span style=\"font-weight: 400;\">, and personal debts) by eliminating some of them. Chapter 13 aids higher-income individuals with valuable assets in reorganizing their debts.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Choosing_Between_Bankruptcy_Chapter_7_vs_13_in_Oregon\"><\/span><b>Choosing Between Bankruptcy Chapter 7 vs 13 in Oregon<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing between these two types of bankruptcy is not up to you. Whether you want to file for Chapter 7 or Chapter 13 will always be <\/span><b>based on your qualifications. <\/b><span style=\"font-weight: 400;\">Those correspond to your income, properties, and the amount of debt you have.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_Choosing_Chapter_13_in_OR\"><\/span><b>When Choosing Chapter 13 in OR<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Chapter 13 is about repaying what you owe to creditors over three to five years. It lets you keep everything you own. You can also use it to catch up on late payments, like saving your home from foreclosure or keeping your car. If you have a debt you cannot eliminate, Chapter 13 allows you to force a payment plan on the creditor.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But it can be expensive, and some may find it challenging to make monthly payments. Businesses cannot also use Chapter 13. Business owners should explore small business bankruptcies instead.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_Choosing_Chapter_7_in_OR\"><\/span><b>When Choosing Chapter 7 in OR<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choosing Chapter 7 bankruptcy in Oregon is popular for its speed and affordability. It is a quick process, usually completed in three to four months. You also do not have to pay anything to creditors. This option is good if you own essential items for daily life but not much more. But if you have extra assets, the Chapter 7 trustee may sell non-essential items to pay creditors.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike Chapter 13, there is no payment plan to catch up on overdue mortgage or car payments. So you risk losing your home or car if you are behind on payments when you file.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Do_I_Need_to_Qualify_for_Chapter_7_or_Chapter_13_Bankruptcy_in_Oregon\"><\/span><b>What Do I Need to Qualify for Chapter 7 or Chapter 13 Bankruptcy in Oregon?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You must meet specific requirements to <\/span><a href=\"https:\/\/nwdrlf.com\/chapter-7-bankruptcy-lawyer\/will-i-qualify-for-chapter-7\/\"><span style=\"font-weight: 400;\">qualify for Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> or Chapter 13 bankruptcy in Oregon. If you have filed before, check if enough time has passed before filing again. There is a waiting period between filings.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Qualifications_for_Chapter_7_in_Oregon\"><\/span><b>Qualifications for Chapter 7 in Oregon\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To qualify for Chapter 7 bankruptcy, your family&#8217;s income must be lower than the median for a similar-sized family in your state. Just add up your family&#8217;s gross income from the last six months, double it, and compare the result with income charts on the <\/span><a href=\"https:\/\/www.justice.gov\/ust\"><span style=\"font-weight: 400;\">U.S. Trustee&#8217;s<\/span><\/a><span style=\"font-weight: 400;\"> website.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can use the <\/span><a href=\"https:\/\/www.bestcase.com\/quick-median-income-test\/\"><span style=\"font-weight: 400;\">Quick Median Income Test<\/span><\/a><span style=\"font-weight: 400;\"> online for an easy check. If you still earn too much, you might qualify after the second part of the &#8220;means test.&#8221; If your remaining money after deducting expenses isn&#8217;t enough for a Chapter 13 plan, you&#8217;ll likely qualify for Chapter 7.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Qualifications_for_Chapter_in_Oregon\"><\/span><b>Qualifications for Chapter in Oregon<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Qualifying for<\/b> <b>Chapter 13 involves <\/b><span style=\"font-weight: 400;\">considering <\/span><b>priority nondischargeable debt, <\/b><a href=\"https:\/\/nwdrlf.com\/nonexempt-property-in-bankruptcy\/\"><b>nonexempt property value<\/b><\/a><b>, or disposable income. The most challenging part is often the monthly payment.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding these requirements is crucial before choosing between these two types of bankruptcy.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_I_Apply_for_Chapter_7_Bankruptcy_in_Oregon\"><\/span><b>How do I Apply for Chapter 7 Bankruptcy in Oregon?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When filing for Chapter 7 bankruptcy in Oregon, first, take the means test. Then, gather these documents:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a list of who you owe money to and how much,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a list of your belongings and their values,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your most recent tax return, and\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your pay stubs or income proof.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_do_I_apply_for_Chapter_13_Bankruptcy_in_Oregon\"><\/span><b>How do I apply for Chapter 13 Bankruptcy in Oregon?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For Chapter 13 bankruptcy in Oregon, start by submitting a request to the bankruptcy court. Provide details about your creditors, income, expenses, and belongings. Also, propose a plan for repaying debts. After filing, there&#8217;s a meeting where creditors can raise concerns. If there are no issues or if they&#8217;re resolved, the court approves the plan, and you begin making payments accordingly.<\/span><\/p>\n<p><b>Should I Pick Chapter 7 or Chapter 13 Bankruptcy? What\u2019s Best for Me?\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In deciding between Chapter 7 and Chapter 13 Bankruptcy, Chapter 7 is usually recommended, unless you have specific reasons for Chapter 13.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One situation where Chapter 13 might be beneficial is if you have taxes or other debts that can&#8217;t be discharged and are challenging to handle on your own. Also, Chapter 13 might be better if you have a sole proprietorship business needing bankruptcy court protection, or if you can\u2019t file Chapter 7 again within eight years. Opting for Chapter 13 lets you retain certain assets and catch up on overdue secured debt payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For most other cases, Chapter 7 is likely better because it finishes faster, allowing you to rebuild your credit sooner. Also, considering that this is the most affordable option, most especially, for those with limited income and few assets owned.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Need_for_Legal_Services_of_a_Reliable_Local_Attorney\"><\/span><b>The Need for Legal Services of a Reliable Local Attorney<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are currently encountering grave financial difficulties, it is best to seek legal advice early on. Consider all of your options, including negotiating directly with the debt collector or creditor or filing for bankruptcy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are planning to file bankruptcy, or are wondering if it is the best course of action to take, you need a lawyer who can help you solve your financial problems.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For individuals who are struggling financially because of unemployment, growing medical expenses, credit card debt, marital issues, or other reasons, filing for bankruptcy may be their only choice.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here, a competent <\/span><a href=\"https:\/\/nwdrlf.com\/contact\/\"><span style=\"font-weight: 400;\">Portland bankruptcy law firm<\/span><\/a><span style=\"font-weight: 400;\"> can help. Consult with a dedicated Oregon bankruptcy lawyer at Northwest Debt Relief Law Firm today.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":5329,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25,2244,340],"tags":[],"_links":{"self":[{"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/posts\/5327"}],"collection":[{"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/comments?post=5327"}],"version-history":[{"count":6,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/posts\/5327\/revisions"}],"predecessor-version":[{"id":6421,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/posts\/5327\/revisions\/6421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/media\/5329"}],"wp:attachment":[{"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/media?parent=5327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/categories?post=5327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nwdrlf.com\/wp-json\/wp\/v2\/tags?post=5327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}