{"id":688,"date":"2023-11-01T11:19:25","date_gmt":"2023-11-01T03:19:25","guid":{"rendered":"https:\/\/www.debtcollector.my\/?p=688"},"modified":"2025-10-17T12:55:29","modified_gmt":"2025-10-17T04:55:29","slug":"proof-of-debt","status":"publish","type":"post","link":"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/","title":{"rendered":"Proof of Debt"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"688\" class=\"elementor elementor-688\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-524f6a6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"524f6a6b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-50934982\" data-id=\"50934982\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15cda37b elementor-widget elementor-widget-text-editor\" data-id=\"15cda37b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is a nightmare for a creditor to know that the company they have financed is being liquidated!<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">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=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#What_is_proof_of_debt\" >What is proof of debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#Some_examples_of_proof_of_debt_in_Malaysia_include\" >Some examples of proof of debt in Malaysia include:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#When_must_you_file_for_a_proof_of_debt\" >When must you file for a proof of debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#What_is_the_procedure_for_submitting_proof_of_debt\" >What is the procedure for submitting proof of debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#What_happens_after_the_proof_of_debt_is_filed\" >What happens after the proof of debt is filed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.recoverdebt.my\/bm\/general\/proof-of-debt\/#Let_Rule_Co_handle_your_debt_recovery\" >Let Rule &amp; Co handle your debt recovery<\/a><\/li><\/ul><\/nav><\/div>\n<p>Malaysia is a country full of potential. From innovative technology firms, well-developed infrastructure and a dynamic business environment, all the sectors are seeing an upward growth curve.<\/p><p>Unfortunately, several businesses fail every year due to extremely high competition and uncertainties in the market environment.<\/p><p>If you are a creditor who is owed money by a company that is being liquidated, acting at the right time will save you a tremendous amount of cost and efforts to recover your debts.<\/p><h2><span class=\"ez-toc-section\" id=\"What_is_proof_of_debt\"><\/span>What is proof of debt?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>A \u201cproof of debt\u201d is a legal document through which a creditor seeks to establish the claim against the debtor. This document will bear a statutory declaration by the creditor, showing the evidence of debt owed to them by the debtor.<\/p><p>A proof of debt will be often accompanied by supporting documents to validate the debt.<\/p><p>Generally, it is submitted for two purposes.<\/p><ol><li>To show genuine evidence during the insolvency process that the debtor owes to the creditor<\/li><li>To make sure that the creditor receives a fair dividend distribution from the assets of the insolvent company<\/li><\/ol><h2><span class=\"ez-toc-section\" id=\"Some_examples_of_proof_of_debt_in_Malaysia_include\"><\/span>Some examples of proof of debt in Malaysia include:<span class=\"ez-toc-section-end\"><\/span><\/h2><ul><li aria-level=\"1\">Loan agreements or promissory notes for debts like mortgages, student loans, personal loans, and car loans.<\/li><li aria-level=\"1\">Credit card statements showing your account number, balance, minimum payment, interest charges, and transaction history.<\/li><li aria-level=\"1\">Billing statements for medical treatments and utilities.<\/li><li aria-level=\"1\">Collection notices from collection agencies (though further verification is recommended).<\/li><li aria-level=\"1\">A completed proof of debt form as outlined under the Companies Act 2016.<\/li><\/ul><p>Having this documentation allows you to verify details, review agreed terms, and ensure the creditor can validate the debt if challenged<\/p><p>The paperwork also provides protection under <a href=\"https:\/\/www.kpdn.gov.my\/en\/consumerism\/consumer-rights\/consumer-protection#:~:text=CONSUMER%20PROTECTION%20PROGRAMME,Consumer%20Advisory%20Council%20(NCAC).\" target=\"_blank\" rel=\"noopener\">Malaysia&#8217;s consumer protection laws<\/a>.<\/p><h2><span class=\"ez-toc-section\" id=\"When_must_you_file_for_a_proof_of_debt\"><\/span>When must you file for a proof of debt?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>A proof of debt is generally filed once the company is in the <a href=\"https:\/\/www.thomasphilip.com.my\/articles\/is-all-lost-for-a-creditor-when-a-company-is-wound-up\/\" target=\"_blank\" rel=\"noopener\">process<span style=\"font-weight: 400;\"> of liquidation<\/span><\/a>. By this time a liquidator will be appointed by the court to liquidate all the assets of the company and sell off in an auction to recover the debt money.<\/p><p>The proof of debt needs to be filed after the court has made an order to wind up the company.<\/p><p>Once the order has been passed, a maximum period of three months is allocated to file the proof of debt.<\/p><p>Often, a company that is in the process of liquidation will have several creditors. The liquidator will have to send a Notice to File Proof of Debt. The notice will be made available through different mediums to ensure that none of the creditors misses the deadline.<\/p><p>The liquidator or the official receiver will make sure that the notice will be out at least 14 days prior to the deadline of submission.<\/p><p>Some of the ways in which the liquidator can send a notice are :<\/p><ol><li>Notice in writing to each and every person who is known to be a liquidator as per the knowledge of the official receiver or the liquidator (Form 57\/58)<\/li><li>By an advertisement in the Gazette and in some of the well-known newspapers that have circulation in entire Malaysia. (Form 94)<\/li><\/ol><h2><span class=\"ez-toc-section\" id=\"What_is_the_procedure_for_submitting_proof_of_debt\"><\/span>What is the procedure for submitting proof of debt?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>If a company or individual owes you money, you can submit a proof of debt form as a creditor during bankruptcy or liquidation procedures. Here&#8217;s how to complete it:<\/p><ul><li aria-level=\"1\">Download a <a href=\"https:\/\/www.mdi.gov.my\/index.php\/legislation\/download-forms\/bankruptcy\/proof-of-debt-form\" target=\"_blank\" rel=\"noopener\">proof of debt form<\/a> template that complies with <a href=\"https:\/\/www.ssm.com.my\/Pages\/Legal_Framework\/Companies-Act-2016.aspx\" target=\"_blank\" rel=\"noopener\">Malaysia&#8217;s Companies Act 2016.<\/a> Many legal sites offer free templates.<\/li><li aria-level=\"1\">Include the bankrupt or liquidated company&#8217;s full registered name and registration number.<\/li><li aria-level=\"1\">Fill in your full name and contact details as the creditor.<\/li><li aria-level=\"1\">Specify the full debt amount owed with supporting documents attached.<\/li><li aria-level=\"1\">Describe the debt origins and timeline. Attach any credit agreements, invoices, demands sent to the debtor, and related correspondence.<\/li><li aria-level=\"1\">Sign and date the completed form. Submit it to the Official Receiver handling the case before the final deadline.<\/li><\/ul><p>The proof of debt must be submitted to:<\/p><ul><li>The <a href=\"https:\/\/www.mdi.gov.my\/index.php\/home\/faqs\/liquidation\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">liquidator<\/span><\/a>\/Official receiver,\u00a0<\/li><li>Under the direction of the creditor and authenticated by the creditor, or<\/li><li>A person authorised on behalf of the creditor.<\/li><\/ul><p>It should include the following:<\/p><ol><li>Name and address of the creditor<\/li><li>In case if the creditor is a company, the identity of the company<\/li><li>The total amount claimed by the creditor (Including SST) as at the relevant date, including any payments made after that date concerning the claim;<\/li><li>Relevant details of how and when the debt was incurred by the company.<\/li><li>Aspects of any security that is held, the date when it was given and the value.<\/li><li>The interest of up to six per cent per annum from the date that the debt was due.<\/li><li>Relevant details of any reservation of title in respect of goods to which the debt refers;<\/li><li>Date and authentication; and<\/li><li>Name, address and other details of the person who is authenticating the proof (if the person is someone other than the debtor)<\/li><\/ol><p>The proof of debt must be annexed with all the supporting documents. Each creditor is obligated to prove his own debt. This includes any costs that are incurred in obtaining the documents to support the claim.<\/p><p>Some of the examples of supporting documents are:<\/p><ul><li>Receipts<\/li><li>Vouchers<\/li><li>Credit and Debit notes<\/li><\/ul><p>The debt shall be proved via the delivering of an affidavit verifying the debt to the liquidator. The affidavit must specify the particulars of the debt referring to statements of accounts and other vouchers.\u00a0<\/p><p>The affidavit mentioned above must be filed by the creditor himself or someone authorised by the creditor or one on behalf of him.<\/p><p>If the affidavit is submitted by someone approved by the creditor, it must specify the said person\u2019s authority and means of his knowledge. Affidavits in the context of proving a debt refer to the submission of the relevant forms\u00a0to the liquidator.\u00a0<\/p><p>For a layman, understanding the peculiarities and drafting the proof of debt may be a tedious job. Luckily the proof of debt is designed with a template to ease the process. All a creditor needs to do is to simply download the form, fill it with the relevant details and submit it to the liquidator for verification.<\/p><p>The entire structure of the form is designed in a way to help the liquidator to examine the particulars mentioned in the form and cross-check with the evidence submitted in a time-bound and efficient manner.<\/p><p>The affidavit needs to be affirmed before a Commissioner for Oaths.<\/p><h2><span class=\"ez-toc-section\" id=\"What_happens_after_the_proof_of_debt_is_filed\"><\/span>What happens after the proof of debt is filed?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Once the creditors have filed the proof of debt within the prescribed deadline, the liquidator will carefully examine the relevant details mentioned along with the annexed evidence.<\/p><p>The liquidator will announce his decision on whether to accept or reject the proof. The decision will be made known within 14 days from the deadline of lodging the document.<\/p><p>Sometimes he might also reject the submission in part if sufficient evidence is lacking. The liquidator could also request for clarification or more evidence.\u00a0<\/p><p>Once a decision has been made by the liquidator, it will be made known in writing to all the creditors who have submitted the proof.<\/p><p>If the proof of debt is improperly filed, the liquidator can apply to court to reduce or disregard the amount of debt.<\/p><p>Thus it is crucial to submit this document with the right information and all the relevant pieces of evidence as necessary.<\/p><h3>What if the proof of debt is rejected?<\/h3><p>If the proof of debt filed by the creditor is rejected by the liquidator, the matter will be made known to the creditor through writing.<\/p><p>If the creditor wishes to make an appeal against this decision, he can do so within 21 days from the date when the notice of rejection was served.<\/p><h3>What if I fail to file the proof within the deadline?<\/h3><p>Once the liquidator suggests a deadline to submit the proof of debt, you need to be careful not to exceed the timeframe specified by the liquidator.<\/p><p>However, even if you have missed filing the proof of debt within the deadline, it does not mean that all your rights will vanish. The creditor may challenge the liquidator&#8217;s decision to exclude the debt in court.\u00a0Of course it would be too late if\u00a0the liquidator had already divided the assets and distributed them amongst the creditors.<\/p><h3>Will \u201cproof of debt\u201d ensure payment by the company?<\/h3><p>Just because you have successfully filed your proof of debt within the prescribed deadline, it does not necessarily guarantee that your debt will be repaid.<\/p><p>The paying back of your debt will depend on:\u00a0<\/p><ul><li>Whether the company has enough assets to pay back the creditors<\/li><\/ul><ul><li>Whether you are a secured, unsecured or preferential creditor<\/li><\/ul><p>The law stipulates the priorities of debts to be observed when a liquidator seeks to pay back the debts.<\/p><p>Secured creditors: Secured creditors are the creditors who hold a right over the company\u2019s properties or goods or security for the payment of the debt. They stand first when it comes to the order of claim for a wind-up company.<\/p><p>The security for payment is to ensure that in the event that the borrower fails to pay back the money, the secured creditor will receive payment through the assets.<\/p><p>Regardless of the liquidation process, these creditors are entitled to receive the payment. If they find the security deficient in repaying the debt, for the remaining balance, they will have to prove themselves as unsecured creditors.<\/p><p>Unsecured creditors: These are the ones who lend money without obtaining any security.<\/p><p>They possess a higher risk as compared to secured creditors when it comes to recovering the debt.<\/p><p>Unsecured creditors will be the ones to get paid last after the liquidator has made distribution to the secured and preferential creditors. If the company runs out of assets after paying to the secured and preferential creditors, unsecured creditors can end up being unpaid.<\/p><p>Preferential creditors: When it comes to the repayment of the debt, preferential creditors rank second after the secured creditors.<\/p><p>Few examples of preferential creditors include:<\/p><ul><li>Tax controller<\/li><li>Employees of the company<\/li><li>Provident fund board<\/li><\/ul><p>Bottom line<\/p><p>Debts are sometimes unfortunate and unavoidable. If you are a creditor who has financed a company now in liquidation, acting at the right time will ensure that you will incur only minimal losses.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-af23726 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"af23726\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72c2e45\" data-id=\"72c2e45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b0133d elementor-widget elementor-widget-template\" data-id=\"2b0133d\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"2573\" class=\"elementor elementor-2573\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ffde83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ffde83\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51fc05cb\" data-id=\"51fc05cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6398a7fb elementor-widget elementor-widget-heading\" data-id=\"6398a7fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Let_Rule_Co_handle_your_debt_recovery\"><\/span><h2 style=\"font-style: normal\"><span style=\"font-size: 30px;font-weight: 400\">Let Rule &amp; Co handle your debt recovery<\/span><span style=\"font-family: Montserrat, sans-serif;font-size: 30px;font-weight: 600\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4541f001 elementor-widget elementor-widget-image\" data-id=\"4541f001\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"200\" height=\"300\" src=\"https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/10\/profile-photo-of-rudi-debt-recovery-lawyer-in-malaysia-and-owner-of-rule-Co.png\" class=\"attachment-full size-full wp-image-2564\" alt=\"profile-photo-of-rudi-debt-recovery-lawyer-in-malaysia-and-owner-of-rule-Co\" srcset=\"https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/10\/profile-photo-of-rudi-debt-recovery-lawyer-in-malaysia-and-owner-of-rule-Co.png 200w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/10\/profile-photo-of-rudi-debt-recovery-lawyer-in-malaysia-and-owner-of-rule-Co-8x12.png 8w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd3afb elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6fd3afb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/bit.ly\/rncblog\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Klik di sini<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66005980 elementor-widget elementor-widget-text-editor\" data-id=\"66005980\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-family: Roboto, sans-serif; font-size: 18px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\">Rule &amp; Co is a&nbsp;<\/span><span style=\"font-family: Roboto, sans-serif; font-size: 18px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\">licensed member of the Malaysian Bar with years of experience helping creditors employ proven legal strategies that maximise recovery while remaining fully compliant with the law. Speak to us and get a free debt recovery assessment today.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>It is a nightmare for a creditor to know that the company they have financed is being liquidated! Malaysia is a country full of potential. From innovative technology firms, well-developed infrastructure and a dynamic business environment, all the sectors are seeing an upward growth curve. Unfortunately, several businesses fail every year due to extremely high [&hellip;]<\/p>","protected":false},"author":1,"featured_media":689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[23,22,24],"tags":[],"class_list":["post-688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-creditor","category-general","category-individual-creditor","entry","has-media"],"_links":{"self":[{"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts\/688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/comments?post=688"}],"version-history":[{"count":0,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts\/688\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/media\/689"}],"wp:attachment":[{"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/media?parent=688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/categories?post=688"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/tags?post=688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}