{"id":6624,"date":"2017-05-08T10:51:16","date_gmt":"2017-05-08T17:51:16","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=6624"},"modified":"2019-07-03T14:40:13","modified_gmt":"2019-07-03T21:40:13","slug":"debt-settlement-vs-consumer-proposal","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/","title":{"rendered":"Debt Settlement VS. Consumer Proposal"},"content":{"rendered":"<p>Debt settlement is a term that\u2019s been heard more and more the past few years by consumers.\u00a0 With debt settlement agents advertising heavily it\u2019s no surprise.\u00a0 As Licensed Insolvency Trustees we\u2019re often asked \u201cwhat is the difference between debt settlement and a Consumer Proposal?\u201d\u00a0 Although the two may sound very similar, they\u2019re in fact two very different processes \u2013 read on as we explore three key distinctions:<\/p>\n<h2><strong>Who\u2019s handling the debt?<\/strong><\/h2>\n<p>Advertisements can be misleading.\u00a0 Many debt settlement agents appear to indicate a claim of government endorsement, but the fact is there is only a single government-endorsed debt advisor in Canada \u2013 a Licensed Insolvency Trustee.\u00a0 Licensed Insolvency Trustees are specifically licensed, regulated and empowered by the government to assist Canadians with all of their debts, including amounts owing for taxes and student loans.<\/p>\n<p>Licensed Insolvency Trustees must adhere to a strict code of conduct and rules of professional practice and are empowered to apply government legislation to help individuals get out of debt.\u00a0 Conversely, unregulated debt agents are often located out of country and have little to no accreditation process required in order to operate.<\/p>\n<h2><strong>How much debt is settled?<\/strong><\/h2>\n<p>It is common for the amount of debt that will be repaid under a Consumer Proposal to be reduced drastically, in full settlement of the debts owed.\u00a0 Reductions of up to 70-80% are typical and all interest is automatically frozen by law.\u00a0 In order to successfully settle debts using a debt settlement agent, typically a person needs to pay a lump sum settlement amount to each individual creditor.\u00a0 There is no set rule on how much the debt may be reduced, and because debts are often settled one at a time, this can mean the continued accrual of interest and escalation of collection on the other accounts in the meantime.<\/p>\n<p>It\u2019s important to note that there are several types of common creditors that will not work with a debt settlement agent.\u00a0 Government bodies collecting on debts such as income tax, student loans or ICBC will not accept debt settlement agency offers \u2013 these types of debts can only be reduced using a Consumer Proposal filed by a Licensed Insolvency Trustee.<\/p>\n<h2><strong>What fees are involved?<\/strong><\/h2>\n<p>Provincial legislation aiming to create rules to safeguard consumers working with debt settlement is relatively new in the Province of BC.\u00a0 It remains to be seen whether out-of-province and\/or out-of-country debt settlement providers continue to operate with up front fees and no guarantee of success.\u00a0 By contrast, Licensed Insolvency Trustees offer free consultations, with no referral required; and fees and administrative costs involved in filing a Consumer Proposal are dictated by federal law.\u00a0 There is no additional cost to the person making the Consumer Proposal above and beyond what is being offered to their creditors under the terms of the Consumer Proposal.<\/p>\n<p>The world of debt professionals is often overwhelming for people who are facing major financial decisions and challenges.\u00a0 We believe it is imperative for individuals seeking assistance to receive <em>all<\/em> the information that is relevant to their situation so they can make informed decisions about their options \u2013 without having to pay for debt advice!<\/p>\n<p><em>To speak with a Licensed Insolvency Trustee in your area regarding available debt resolution options please <\/em><a href=\"https:\/\/www.sands-trustee.com\/downloads\/\"><em>contact us<\/em><\/a><em> for a free confidential <\/em><a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\"><em>debt consultation<\/em><\/a><em>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt settlement is a term that\u2019s been heard more and more the past few years by consumers.\u00a0 With debt settlement agents advertising heavily it\u2019s no surprise.\u00a0 As Licensed Insolvency Trustees we\u2019re often asked \u201cwhat is the difference between debt settlement and a Consumer Proposal?\u201d\u00a0 Although the two may sound very similar, they\u2019re in fact two [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":6493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[257,259],"tags":[38,39,74,37,117,120,50,42,204,35],"class_list":["post-6624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-proposals","category-debt-consolidation-counselling","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-bc-debt","tag-consumer-proposals","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-settlement","tag-licensed-insolvency-trustee","tag-sands-associates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Debt Settlement VS. Consumer Proposal - Sands &amp; Associates<\/title>\n<meta name=\"description\" content=\"What&#039;s the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Settlement VS. Consumer Proposal\" \/>\n<meta property=\"og:description\" content=\"What&#039;s the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\" \/>\n<meta property=\"og:site_name\" content=\"Sands &amp; Associates\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/SandsAssociates\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-08T17:51:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-03T21:40:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Blair Mantin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Blair Mantin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\"},\"author\":{\"name\":\"Blair Mantin\",\"@id\":\"https:\/\/www.sands-trustee.com\/#\/schema\/person\/bce0833a5a7c2b89498e7d357aa214bf\"},\"headline\":\"Debt Settlement VS. Consumer Proposal\",\"datePublished\":\"2017-05-08T17:51:16+00:00\",\"dateModified\":\"2019-07-03T21:40:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\"},\"wordCount\":554,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.sands-trustee.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg\",\"keywords\":[\"Bankruptcy BC\",\"Bankruptcy Trustees\",\"BC Debt\",\"Consumer Proposals\",\"Credit Counselling\",\"Credit Counsellor\",\"Debt\",\"Debt Settlement\",\"Licensed Insolvency Trustee\",\"Sands &amp; Associates\"],\"articleSection\":[\"Consumer Proposals\",\"Debt Consolidation &amp; Counselling\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\",\"url\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\",\"name\":\"Debt Settlement VS. Consumer Proposal - Sands &amp; Associates\",\"isPartOf\":{\"@id\":\"https:\/\/www.sands-trustee.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg\",\"datePublished\":\"2017-05-08T17:51:16+00:00\",\"dateModified\":\"2019-07-03T21:40:13+00:00\",\"description\":\"What's the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage\",\"url\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg\",\"contentUrl\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg\",\"width\":960,\"height\":512,\"caption\":\"Differences between Debt Settlement and Consumer Proposal\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.sands-trustee.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Debt Settlement VS. Consumer Proposal\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.sands-trustee.com\/#website\",\"url\":\"https:\/\/www.sands-trustee.com\/\",\"name\":\"Sands & Associates\",\"description\":\"Trustee in Bankruptcy\",\"publisher\":{\"@id\":\"https:\/\/www.sands-trustee.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.sands-trustee.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.sands-trustee.com\/#organization\",\"name\":\"Sands & Associates\",\"url\":\"https:\/\/www.sands-trustee.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sands-trustee.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/11\/sands-logo.png\",\"contentUrl\":\"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/11\/sands-logo.png\",\"width\":306,\"height\":99,\"caption\":\"Sands & Associates\"},\"image\":{\"@id\":\"https:\/\/www.sands-trustee.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/SandsAssociates\",\"https:\/\/x.com\/sandstrustee\",\"https:\/\/www.youtube.com\/user\/sandstrustee\",\"https:\/\/www.linkedin.com\/company\/sands-&-associates-trustees\/\",\"https:\/\/www.instagram.com\/sandsassociatesbc\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.sands-trustee.com\/#\/schema\/person\/bce0833a5a7c2b89498e7d357aa214bf\",\"name\":\"Blair Mantin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.sands-trustee.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/51398c078da19a02d414cfcd51f6dfb0b14d8020d9c38b9b3fbf15994e4d7005?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/51398c078da19a02d414cfcd51f6dfb0b14d8020d9c38b9b3fbf15994e4d7005?s=96&d=mm&r=g\",\"caption\":\"Blair Mantin\"},\"sameAs\":[\"http:\/\/sands-trustee.com\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Debt Settlement VS. Consumer Proposal - Sands &amp; Associates","description":"What's the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/","og_locale":"en_US","og_type":"article","og_title":"Debt Settlement VS. Consumer Proposal","og_description":"What's the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.","og_url":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/","og_site_name":"Sands &amp; Associates","article_publisher":"https:\/\/www.facebook.com\/SandsAssociates","article_published_time":"2017-05-08T17:51:16+00:00","article_modified_time":"2019-07-03T21:40:13+00:00","og_image":[{"width":960,"height":512,"url":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg","type":"image\/jpeg"}],"author":"Blair Mantin","twitter_misc":{"Written by":"Blair Mantin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#article","isPartOf":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/"},"author":{"name":"Blair Mantin","@id":"https:\/\/www.sands-trustee.com\/#\/schema\/person\/bce0833a5a7c2b89498e7d357aa214bf"},"headline":"Debt Settlement VS. Consumer Proposal","datePublished":"2017-05-08T17:51:16+00:00","dateModified":"2019-07-03T21:40:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/"},"wordCount":554,"commentCount":0,"publisher":{"@id":"https:\/\/www.sands-trustee.com\/#organization"},"image":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg","keywords":["Bankruptcy BC","Bankruptcy Trustees","BC Debt","Consumer Proposals","Credit Counselling","Credit Counsellor","Debt","Debt Settlement","Licensed Insolvency Trustee","Sands &amp; Associates"],"articleSection":["Consumer Proposals","Debt Consolidation &amp; Counselling"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/","url":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/","name":"Debt Settlement VS. Consumer Proposal - Sands &amp; Associates","isPartOf":{"@id":"https:\/\/www.sands-trustee.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage"},"image":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg","datePublished":"2017-05-08T17:51:16+00:00","dateModified":"2019-07-03T21:40:13+00:00","description":"What's the difference between debt settlement and Consumer Proposal?\u00a0They may sound similar, but are two very different processes \u2013 read on as we explore three key distinctions of debt settlement VS Consumer Proposals.","breadcrumb":{"@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#primaryimage","url":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg","contentUrl":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2014\/08\/Choices.jpg","width":960,"height":512,"caption":"Differences between Debt Settlement and Consumer Proposal"},{"@type":"BreadcrumbList","@id":"https:\/\/www.sands-trustee.com\/blog\/debt-settlement-vs-consumer-proposal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.sands-trustee.com\/"},{"@type":"ListItem","position":2,"name":"Debt Settlement VS. Consumer Proposal"}]},{"@type":"WebSite","@id":"https:\/\/www.sands-trustee.com\/#website","url":"https:\/\/www.sands-trustee.com\/","name":"Sands & Associates","description":"Trustee in Bankruptcy","publisher":{"@id":"https:\/\/www.sands-trustee.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sands-trustee.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.sands-trustee.com\/#organization","name":"Sands & Associates","url":"https:\/\/www.sands-trustee.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sands-trustee.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/11\/sands-logo.png","contentUrl":"https:\/\/www.sands-trustee.com\/wp-content\/uploads\/2018\/11\/sands-logo.png","width":306,"height":99,"caption":"Sands & Associates"},"image":{"@id":"https:\/\/www.sands-trustee.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/SandsAssociates","https:\/\/x.com\/sandstrustee","https:\/\/www.youtube.com\/user\/sandstrustee","https:\/\/www.linkedin.com\/company\/sands-&-associates-trustees\/","https:\/\/www.instagram.com\/sandsassociatesbc\/"]},{"@type":"Person","@id":"https:\/\/www.sands-trustee.com\/#\/schema\/person\/bce0833a5a7c2b89498e7d357aa214bf","name":"Blair Mantin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sands-trustee.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/51398c078da19a02d414cfcd51f6dfb0b14d8020d9c38b9b3fbf15994e4d7005?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/51398c078da19a02d414cfcd51f6dfb0b14d8020d9c38b9b3fbf15994e4d7005?s=96&d=mm&r=g","caption":"Blair Mantin"},"sameAs":["http:\/\/sands-trustee.com"]}]}},"_links":{"self":[{"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/posts\/6624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/comments?post=6624"}],"version-history":[{"count":0,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/posts\/6624\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/media\/6493"}],"wp:attachment":[{"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/media?parent=6624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/categories?post=6624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sands-trustee.com\/wp-json\/wp\/v2\/tags?post=6624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}