{"id":3272,"date":"2023-08-23T21:39:57","date_gmt":"2023-08-23T21:39:57","guid":{"rendered":"https:\/\/lawsuitlegit.com\/?p=3272"},"modified":"2024-01-05T05:51:44","modified_gmt":"2024-01-05T05:51:44","slug":"late-payment-penalties-attorney-perspective","status":"publish","type":"post","link":"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/","title":{"rendered":"Late Payment Penalties and Your Rights: A Complex Litigation Attorneys Perspective"},"content":{"rendered":"<p>Late payment penalties are often a frustrating and expensive aspect of consumer transactions. In many cases, consumers are charged excessive fees for failing to make timely payments on bills, loans, or other financial obligations. These penalties can quickly add up, making it difficult for individuals to keep up with their expenses and maintain financial stability.<\/p>\n<p>As complex litigation attorneys who have worked with numerous clients facing late payment penalty disputes, we understand the challenges that consumers face in fighting back against unfair penalties. In this article, we will examine the various types of late payment penalties that exist, the laws designed to protect consumers from these charges, and strategies for seeking legal assistance when facing a dispute over late payment fees. By providing a comprehensive overview of this issue from a legal perspective, we aim to empower readers with the knowledge they need to assert their rights as consumers and avoid falling prey to unjust financial practices.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><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><\/span><\/a><\/span><\/div>\n<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:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Understanding_Late_Payment_Penalties\" title=\"Understanding Late Payment Penalties\">Understanding Late Payment Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Types_of_Late_Payment_Penalties\" title=\"Types of Late Payment Penalties\">Types of Late Payment Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Laws_Protecting_Consumers_from_Unfair_Late_Payment_Penalties\" title=\"Laws Protecting Consumers from Unfair Late Payment Penalties\">Laws Protecting Consumers from Unfair Late Payment Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Fighting_Back_Against_Unfair_Late_Payment_Penalties\" title=\"Fighting Back Against Unfair Late Payment Penalties\">Fighting Back Against Unfair Late Payment Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Seeking_Legal_Assistance_for_Late_Payment_Penalty_Disputes\" title=\"Seeking Legal Assistance for Late Payment Penalty Disputes\">Seeking Legal Assistance for Late Payment Penalty Disputes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#What_are_some_common_reasons_for_late_payments_and_how_can_they_be_avoided\" title=\"What are some common reasons for late payments and how can they be avoided?\">What are some common reasons for late payments and how can they be avoided?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Can_late_payment_penalties_be_negotiated_or_waived_in_certain_circumstances\" title=\"Can late payment penalties be negotiated or waived in certain circumstances?\">Can late payment penalties be negotiated or waived in certain circumstances?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Is_there_a_statute_of_limitations_for_pursuing_legal_action_against_unfair_late_payment_penalties\" title=\"Is there a statute of limitations for pursuing legal action against unfair late payment penalties?\">Is there a statute of limitations for pursuing legal action against unfair late payment penalties?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#How_do_late_payment_penalties_affect_credit_scores_and_what_can_be_done_to_mitigate_this_impact\" title=\"How do late payment penalties affect credit scores and what can be done to mitigate this impact?\">How do late payment penalties affect credit scores and what can be done to mitigate this impact?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Are_there_any_tax_implications_for_late_payment_penalties_paid_or_received\" title=\"Are there any tax implications for late payment penalties paid or received?\">Are there any tax implications for late payment penalties paid or received?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Late_Payment_Penalties\"><\/span>Understanding Late Payment Penalties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The comprehension of late payment penalties is crucial for individuals seeking to minimize the financial impact of delayed payments and avoid any legal consequences that may ensue. Late payment penalties can vary depending on the type of debt, such as credit cards, loans, or mortgages. One common misconception is that late fees are a fixed amount; however, they can be calculated based on a percentage of the outstanding balance or a flat fee.<\/p>\n<p>Late payment penalties not only have a financial impact but also affect an individual's credit score. A credit score is a three-digit number that represents an individual's creditworthiness and serves as an indicator to lenders' risk when extending credit. Late payments can cause significant damage to one's credit score and make it challenging to secure future loans or lines of credit. The more extended the delay in making payments, the greater the negative impact on one's credit score.<\/p>\n<p>It is essential to understand that late payment penalties are avoidable with proper planning and budgeting. Individuals should prioritize their debts by paying those with higher interest rates first while ensuring timely payments for all outstanding balances. Furthermore, if individuals are facing difficulty making payments due to unforeseen circumstances such as job loss or medical emergencies, they should contact their creditors immediately before missing any payments and discuss alternative payment arrangements.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Late_Payment_Penalties\"><\/span>Types of Late Payment Penalties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Various categories of financial consequences may arise due to delays in fulfilling payment obligations. Late payment penalties are one of the most common scenarios that individuals or businesses face when they fail to make timely payments. These penalties can take different forms, and their severity depends on various factors such as the type of debt, the amount owed, and the length of delay.<\/p>\n<p>One type of late payment penalty is a flat fee that is charged by creditors for missing a deadline. For instance, <a class=\"wpil_keyword_link\" title=\"credit card companies\" href=\"https:\/\/lawsuitlegit.com\/prevention-is-key-how-to-protect-yourself-from-deceptive-credit-card-rewards-programs\/\" data-wpil-keyword-link=\"linked\">credit card companies<\/a> often impose a fixed amount for every day that a customer does not pay their bill on time. Another form of late payment penalty is an interest rate hike which increases the cost of borrowing money over time. This means that if you miss your loan payments, your creditor may add extra interest charges to your outstanding balance until it is fully repaid.<\/p>\n<p>Late payments can also have negative impacts on credit scores. When you fail to pay your bills on time, this information is usually reported to credit bureaus who use it to calculate your credit score. A low credit score can limit your ability to access loans or other forms of financing in the future since lenders view borrowers with poor repayment history as high-risk clients. Therefore, it's crucial always to make timely payments and avoid late fees whenever possible so as not only protect yourself from <a class=\"wpil_keyword_link\" title=\"financial losses\" href=\"https:\/\/lawsuitlegit.com\/the-pros-and-cons-of-joining-an-employment-class-action\/\" data-wpil-keyword-link=\"linked\">financial losses<\/a> but also safeguard your reputation in the market.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Laws_Protecting_Consumers_from_Unfair_Late_Payment_Penalties\"><\/span>Laws Protecting Consumers from Unfair Late Payment Penalties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consumers are protected from unfair penalties for delayed payments through laws that establish clear guidelines and standards for creditors to follow. Late payment penalty regulations ensure that creditors cannot impose excessive or unreasonable fees on consumers who miss a payment deadline. Additionally, these regulations prohibit creditors from charging interest on late fees, which further protects consumers from being unfairly burdened with additional charges.<\/p>\n<p>Late payment penalty regulations also protect <a class=\"wpil_keyword_link\" title=\"consumer rights\" href=\"https:\/\/lawsuitlegit.com\/fighting-back-against-unauthorized-transactions-your-rights-as-a-consumer\/\" data-wpil-keyword-link=\"linked\">consumer rights<\/a> by requiring lenders to provide clear and concise information about late fees in loan agreements and credit card contracts. This allows consumers to make informed decisions about their borrowing options and avoid <a class=\"wpil_keyword_link\" title=\"hidden charges\" href=\"https:\/\/lawsuitlegit.com\/credit-card-companies-face-multiple-class-actions-for-misleading-rewards-programs\/\" data-wpil-keyword-link=\"linked\">hidden charges<\/a>. Furthermore, if a creditor violates these regulations, the consumer has the right to dispute the penalties imposed and seek legal recourse.<\/p>\n<p>Overall, the laws protecting consumers from unfair late payment penalties serve as an important safeguard against predatory lending practices. By establishing clear guidelines and standards for creditors to follow, these regulations help promote fairness and transparency in financial transactions. As such, it is essential for both consumers and businesses alike to understand their rights under these laws and work together towards creating a more equitable financial system.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fighting_Back_Against_Unfair_Late_Payment_Penalties\"><\/span>Fighting Back Against Unfair Late Payment Penalties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Challenging unfair late payment penalties requires a proactive approach and diligent adherence to established legal procedures. Consumers who are facing these types of penalties can start by reviewing their contract terms and seeking the advice of an experienced attorney. One potential strategy is negotiating settlements with the creditor, which could include reducing or waiving late fees altogether.<\/p>\n<p>Another important consideration when fighting back against unfair late payment penalties is the potential impact on one's credit score. Late payments can significantly lower a consumer's credit score, making it harder to obtain loans, credit cards, and other forms of credit in the future. By challenging these penalties and working to have them removed or reduced, consumers can protect their financial reputation and maintain a strong credit profile.<\/p>\n<p>Ultimately, successful resolution of disputes related to late payment penalties may require more than just negotiation skills; it may also involve pursuing litigation through the court system. In these cases, it is essential for consumers to work with attorneys who have experience in complex litigation matters and who understand how to navigate the legal process effectively. With skilled representation and careful attention to detail, consumers can fight back against unfair treatment from creditors and protect their rights as borrowers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seeking_Legal_Assistance_for_Late_Payment_Penalty_Disputes\"><\/span>Seeking Legal Assistance for Late Payment Penalty Disputes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Obtaining legal assistance is crucial for resolving disputes related to late payment penalties in an effective and efficient manner. Late payment penalties can be a complex issue, and the assistance of a professional attorney can help ensure that your rights are protected throughout the legal process. The benefits of seeking legal assistance include access to specialized knowledge, experience navigating complex procedures, and representation in court if necessary.<\/p>\n<p>One important consideration when seeking legal assistance for late payment penalty disputes is the cost of legal fees. Many attorneys charge hourly rates or contingency fees, which means they only receive payment if you win your case. It's important to discuss these costs upfront with your attorney so you understand what to expect and can make informed decisions about how much you're willing to spend on legal representation.<\/p>\n<p>It's essential to consider settlement options when resolving disputes related to late payment penalties. Settlement negotiations may involve discussions with creditors or debt collectors about reducing or waiving <a class=\"wpil_keyword_link\" title=\"penalty fees\" href=\"https:\/\/lawsuitlegit.com\/understanding-penalty-fees-and-how-to-avoid-them\/\" data-wpil-keyword-link=\"linked\">penalty fees<\/a>, establishing a new repayment plan, or even forgiving outstanding debts altogether. An experienced attorney can provide valuable guidance during settlement negotiations and work towards a resolution that is fair and equitable for all parties involved. In conclusion, obtaining legal assistance from an experienced attorney is critical when dealing with late payment penalty disputes as it helps protect your rights, navigate complex procedures efficiently while providing strategic solutions through negotiation settlements while managing costs effectively through clear communication regarding their fee structure.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_some_common_reasons_for_late_payments_and_how_can_they_be_avoided\"><\/span>What are some common reasons for late payments and how can they be avoided?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Late payments can have serious consequences for both parties involved. Common reasons for late payments include forgetfulness, financial difficulties, and miscommunication between the parties. To avoid these situations, it is important to establish clear payment terms and deadlines from the outset of any agreement. Effective communication is also crucial in ensuring that both parties are aware of their obligations and any potential issues that may arise. It is recommended to keep detailed records of all transactions and communications related to payments, as this can help resolve any disputes that may arise in the future. Ultimately, taking proactive steps towards avoiding late payments can help maintain positive business relationships and prevent costly legal battles down the line.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_late_payment_penalties_be_negotiated_or_waived_in_certain_circumstances\"><\/span>Can late payment penalties be negotiated or waived in certain circumstances?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Negotiating penalties is a common practice in certain circumstances, especially when individuals find themselves in unfair situations. Whether it be due to an unexpected emergency or financial hardship, negotiating late payment penalties can be achieved through communication with the creditor. In some cases, creditors may waive <a class=\"wpil_keyword_link\" title=\"late payment fees\" href=\"https:\/\/lawsuitlegit.com\/dont-get-trapped-by-late-payment-fees-tips-and-tricks-to-avoid-extra-charges\/\" data-wpil-keyword-link=\"linked\">late payment fees<\/a> altogether if they see that the debtor has made consistent efforts to pay their debt or if there is evidence of an error on the creditor's end. However, it is important for individuals to understand that not all creditors are willing to negotiate and they have no legal obligation to do so.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_statute_of_limitations_for_pursuing_legal_action_against_unfair_late_payment_penalties\"><\/span>Is there a statute of limitations for pursuing legal action against unfair late payment penalties?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Legal options for pursuing unfair late payment penalties may vary depending on the specific circumstances and <a class=\"wpil_keyword_link\" title=\"consumer protection\" href=\"https:\/\/lawsuitlegit.com\/the-not-so-fine-print-overdraft-fees-and-consumer-protection\/\" data-wpil-keyword-link=\"linked\">consumer protection<\/a> laws in place. Generally, there is a statute of limitations for legal action, which means that there is a limited amount of time in which a person can file a lawsuit or claim against an individual or company who has imposed unfair late payment penalties. These statutes of limitations also vary by state and type of claim. It is important to consult with an experienced attorney who specializes in consumer protection laws to determine the appropriate legal options available and the applicable statutes of limitations for pursuing legal action against unfair late payment penalties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_late_payment_penalties_affect_credit_scores_and_what_can_be_done_to_mitigate_this_impact\"><\/span>How do late payment penalties affect credit scores and what can be done to mitigate this impact?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Late payments can have significant implications on interest rates and credit scores. When a payment is made late, the lender may charge a late payment fee and increase the interest rate on the outstanding balance, which can result in more money paid over time. Late payments also negatively impact credit scores, as payment history accounts for 35% of a <a class=\"wpil_keyword_link\" title=\"credit score calculation\" href=\"https:\/\/lawsuitlegit.com\/ow-to-report-credit-card-skimming-and-file-a-lawsuit\/\" data-wpil-keyword-link=\"linked\">credit score calculation<\/a>. A single missed or late payment can drop a credit score by up to 100 points, making it difficult to obtain favorable terms for future loans or lines of credit. However, there are legal options available for consumers who believe they have been unfairly charged late payment penalties. These include disputing the charges with the lender and potentially pursuing legal action if necessary. To mitigate the impact of late payments on credit scores, it is important to pay bills on time and maintain open communication with lenders in case of financial hardship that may prevent timely payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_tax_implications_for_late_payment_penalties_paid_or_received\"><\/span>Are there any tax implications for late payment penalties paid or received?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Late payment penalties may have tax implications for both the payer and payee. In some cases, late payment fees can be tax deductible as a business expense if they are incurred in the ordinary course of business. However, it is important to note that only the amount paid for the penalty itself is deductible, not any additional interest or fees. On the other hand, receiving late payment penalties may result in double taxation if they are considered income and subject to both income tax and self-employment taxes. It is recommended that individuals consult with a tax professional to understand their specific situation and any potential deductions or liabilities related to late payment penalties.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Late payment penalties can be a significant financial burden for consumers who are already struggling to make ends meet. Understanding the types of late payment penalties, as well as the laws that protect consumers from unfair practices, is essential for anyone who wants to avoid being taken advantage of by creditors or lenders.<\/p>\n<p>Fortunately, there are ways to fight back against unfair late payment penalties. Consumers can dispute these charges and seek legal assistance if necessary. By working with an experienced attorney who specializes in complex litigation cases, it may be possible to negotiate a more favorable outcome and protect one's rights as a consumer.<\/p>\n<p>In conclusion, late payment penalties can have serious consequences for individuals and families who are already facing financial challenges. It is important to understand your rights as a consumer and take action if you believe that you have been unfairly charged or penalized. With the right strategies and support, it is possible to overcome these obstacles and achieve greater financial stability over time.<\/p>\n","protected":false},"excerpt":{"rendered":"Late payment penalties are often a frustrating and expensive aspect of consumer transactions. In many cases, consumers are charged excessive fees for failing to make timely payments on bills, loans, or other financial obligations. These penalties can quickly add up, making it difficult for individuals to keep up with their expenses and maintain financial stability&#8230;. <a class=\"view-article\" href=\"https:\/\/lawsuitlegit.com\/late-payment-penalties-attorney-perspective\/\">View Article<\/a>","protected":false},"author":11,"featured_media":33067,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[323,198],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/posts\/3272"}],"collection":[{"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/comments?post=3272"}],"version-history":[{"count":20,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/posts\/3272\/revisions"}],"predecessor-version":[{"id":33789,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/posts\/3272\/revisions\/33789"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/media\/33067"}],"wp:attachment":[{"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/media?parent=3272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/categories?post=3272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawsuitlegit.com\/wp-json\/wp\/v2\/tags?post=3272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}