{"id":814,"date":"2023-11-08T15:51:33","date_gmt":"2023-11-08T07:51:33","guid":{"rendered":"https:\/\/www.debtcollector.my\/?p=814"},"modified":"2025-10-17T12:53:07","modified_gmt":"2025-10-17T04:53:07","slug":"judgement-debtor-summons","status":"publish","type":"post","link":"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/","title":{"rendered":"Judgment Debtor Summons (JDS)"},"content":{"rendered":"<p>Let\u2019s imagine a scenario in which one of your clients has defaulted in payments.<\/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=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#What_is_a_Judgment_Debtor_SummonsJDS\" >What is a Judgment Debtor Summons(JDS)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#How_to_apply_for_a_JDS\" >How to apply for a JDS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#What_will_happen_once_an_application_for_JDS_is_accepted\" >What will happen once an application for JDS is accepted?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#What_if_the_Judgment_Debtor_has_no_financial_means_to_pay_back_the_debt\" >What if the Judgment Debtor has no financial means to pay back the debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#What_if_the_debtor_does_not_appear_in_court\" >What if the debtor does not appear in court?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#Enforcement_and_compliance\" >Enforcement and compliance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#Time_Line\" >Time Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.recoverdebt.my\/bm\/legal-enforcement\/judgement-debtor-summons\/#AUTHOR_PROFILE\" >AUTHOR PROFILE<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Even though you have notified him through multiple emails or letters, you find no response. Finally, you decide to initiate legal action against the debtor. You appoint an experienced lawyer of your choice and fulfill all the necessary legal conditions such as sending the final letter of demand, filling the court application forms, etc.<\/p>\n<p>After a series of trials, the Court finally gives the verdict in favour of you.<\/p>\n<p>You are obviously delighted but confused about how to get back your money as a mere paper judgement won\u2019t do good.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Judgment_Debtor_SummonsJDS\"><\/span>What is a Judgment Debtor Summons(JDS)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Judgement Debtor Summons (JDS) is an important court document used to collect debts. It orders a debtor, who has been legally determined to owe money, to go to court and share information about their finances.<\/p>\n<p>This helps creditors to get the money they are owed.<\/p>\n<p>A JDS is one of the most effective and robust forms of enforcement for the recovery of the debt.<\/p>\n<p>A Judgement debtor summon can be issued under the <strong><a href=\"http:\/\/www.commonlii.org\/my\/legis\/consol_act\/da19571981172\/\" target=\"_blank\" rel=\"noopener\">Debtors Act, 1957<\/a><\/strong> \u00a0to either individuals or companies where there is a monetary judgement due to be paid.<\/p>\n<p>Both the <a href=\"http:\/\/www.commonlii.org\/my\/legis\/consol_act\/da19571981172\/#:~:text=(4)%20Whether%20the%20judgment%20debtor,oath%20respecting%20the%20matters%20aforesaid.&amp;text=(b)%20by%20such%20instalments%20payable,as%20the%20court%20may%20fix.\" target=\"_blank\" rel=\"noopener\">Debtors Act, 1957<\/a>, and the <a href=\"https:\/\/www.malaysianbar.org.my\/cms\/upload_files\/document\/Rules%20of%20Court%202012.01.07.2012.pdf\" target=\"_blank\" rel=\"noopener\">Rules of Court 2012<\/a> lay down the foundation and procedural requirements for the issuance of a JDS.<\/p>\n<p>For example, if a defendant has been ordered by the Court to make payment to the plaintiff, and the defendant refuses to pay, then a JDS can be taken out against the defendant. This is applicable even in default of payment of costs orders.<\/p>\n<p>In this scenario, the collector will be known as the <b>judgement creditor<\/b>, and the defendant who refuses to pay you the money will be known as a <b>judgement debtor<\/b>.<\/p>\n<p>The JDS can be useful to:<\/p>\n<ul>\n<li aria-level=\"1\">Ascertain whether the defendant can pay the judgement debt.<\/li>\n<li aria-level=\"1\">Discover the means of a defendant<\/li>\n<\/ul>\n<p>It is also used for the discovery of:<\/p>\n<ul>\n<li aria-level=\"1\">Information concerning the assets, and<\/li>\n<li aria-level=\"1\">Financial means of the judgement debtor as the defendant will produce valid proof of his income and expenses to declare his financial abilities.<\/li>\n<\/ul>\n<p>When the court issues a judgement debtor summons order, the debtor has to be orally examined in court regarding the following:<\/p>\n<ul>\n<li aria-level=\"1\">The details of the debt which the judgement debtor owes to his creditor, and<\/li>\n<li aria-level=\"1\">Details of any other properties owned by him that is capable of satisfying the judgement in the order.<\/li>\n<\/ul>\n<p>Once an order is issued, it needs to be personally served to the judgement debtor at least seven days before the date of hearing.<\/p>\n<p>Thus, in short, the judgement debtor must come to the court on the date of hearing to declare all his financial liabilities as per <a href=\"http:\/\/www.commonlii.org\/my\/legis\/consol_act\/da19571981172\/\" target=\"_blank\" rel=\"noopener\">Section 4 of the Debtors Act 1957<\/a>, failing which a warrant of arrest can be issued.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_apply_for_a_JDS\"><\/span>How to apply for a JDS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An application should be made by the judgement creditor in the court of law with an affidavit in support to exhibit the judgement which was in favour of the plaintiff.<\/p>\n<p>The court may sometimes ask the applicant to produce all the necessary evidence in order to validate the claim that the defendant is yet to fulfil a court order.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_will_happen_once_an_application_for_JDS_is_accepted\"><\/span>What will happen once an application for JDS is accepted?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once an application for JDS has been accepted by the court, it will issue an order to compel the judgment debtor to appear before the court and provide all the information about his assets and how the judgement debtor can settle the debt<\/p>\n<p>The evidence includes the details of business revenue, assets, properties, bank accounts, source of income etc.<\/p>\n<p>These help the court to determine the feasibility of debt repayment.<\/p>\n<p>A JDS can be issued against individuals or companies when there is a clear monetary judgment that remains unpaid. This includes instances where a defendant, despite a court order, fails to make payment to a plaintiff.<\/p>\n<p>Documents that are required by the court include:<\/p>\n<ul>\n<li aria-level=\"1\">Original judgment proof<\/li>\n<li aria-level=\"1\">Affidavit of support<\/li>\n<li aria-level=\"1\">Debtor\u2019s financial information, if available<\/li>\n<\/ul>\n<p>The Court, after issuance of the order, may also ask for the obligations and expectations from the filing party.<\/p>\n<p>Once a JDS has been filed, the entire process will take approximately four months. Further, once the summon is served, the judgement debtor is compelled to appear before the court and be orally examined before the court.<\/p>\n<p>In situations where the Judgement debtor is a company, all the directors or officers of the company may be required to appear in court on behalf of the organisation and provide all the relevant information regarding the income and assets of the company.<\/p>\n<p>If the court is satisfied and has verifying sufficient evidence confirming the fact that the individual will be able to repay back the debt, an order will be issued directing the judgement debtor to repay back the money in full or an instalment basis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_if_the_Judgment_Debtor_has_no_financial_means_to_pay_back_the_debt\"><\/span>What if the Judgment Debtor has no financial means to pay back the debt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In an event where the court of law is convinced that the debtor who is imprisoned or arrested is unable to pay back the debt, the court can use its discretion to temporarily suspend or discharge the order against the debtor in whatever ways the court deems fit.<\/p>\n<p>This is as per <a href=\"http:\/\/www.commonlii.org\/my\/legis\/consol_act\/da19571981172\/\" target=\"_blank\" rel=\"noopener\">section 5 of Debtors Act 1957<\/a> and <a href=\"https:\/\/www.malaysianbar.org.my\/cms\/upload_files\/document\/Rules%20of%20Court%202012.01.07.2012.pdf\" target=\"_blank\" rel=\"noopener\">Order 74 of the Rules of Court 2012.<\/a><\/p>\n<p>The discharge does not mean that the debtor won&#8217;t get arrested again if the terms and conditions are not fulfilled.<\/p>\n<p>The house of lords could also make alterations in the installment order so that the judgment debtor will have some flexibility in paying back the deb<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_if_the_debtor_does_not_appear_in_court\"><\/span>What if the debtor does not appear in court?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Any order of any court in Malaysia should be treated with great respect. Failing to do so will bring forth severe consequences including bankruptcy, winding-up, arrests and fines, etc.<\/p>\n<p>Now, if a judgement debtor does not appear in the court even after a court order, the court may issue an order to arrest the defendant and bring him in front of the court.<\/p>\n<p>Along with this, the judgement creditor can personally serve a notice to the judgement debtor which would require him to show the reason why he should not be arrested for refusal to comply with the court order.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Enforcement_and_compliance\"><\/span>Enforcement and compliance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In Malaysia, the enforcement of financial judgments is a structured and legally binding process.<\/p>\n<p>Non-compliance with a Judgment Debtor Summons (JDS) can lead to serious consequences, such as a committal order or even bankruptcy proceedings against the debtor.<\/p>\n<p>Enforcement agencies, like the <a href=\"https:\/\/www.mdi.gov.my\/#\" target=\"_blank\" rel=\"noopener\">Malaysian Department of Insolvency<\/a>, play a pivotal role in ensuring compliance. They oversee actions such as the seizure of assets or wage garnishment to satisfy the debt.<\/p>\n<p>Practical examples of enforcement include attachment of earnings, where a portion of the debtor\u2019s salary is directed to the creditor until the debt is cleared. However, these actions are not without their challenges.<\/p>\n<p>Refusal to comply with a court order or resisting a warrant of arrest may lead the judgement debtor to be arrested and even jailed.<\/p>\n<p>Besides JDS, bankruptcy proceedings can also be initiated against the judgement debtor if he owes a sum of RM 50,000 (In the case of an individual) or RM 10,000 (if the debtor is a company).<\/p>\n<p>The Malaysian court won&#8217;t issue an order of arrest against the judgment debtor merely on the grounds of non-payment.<\/p>\n<p>In such a case, sufficient evidence must be produced in the court by the creditor to provide proof that the judgment debtor was wilfully neglecting the order of the court.<\/p>\n<p>Take the example of the famous case of <a href=\"https:\/\/www.coursehero.com\/file\/p5tnk68\/SRM-Meyappa-Chettiar-v-Lim-Lian-Koo-1954-20-MLJ-246-PC-the-attorney-of-SC\/\" target=\"_blank\" rel=\"noopener\">LEOW WEI PIN v MEYAPPA CHETTIAR [1959] 1 MLJ 265\u00a0<\/a><\/p>\n<p>It was declared by the court that before punishing non-payment, it should appear to the court that the person under JDS summons had sufficient means to comply with the order.<\/p>\n<h3>The practical solution to the problem<\/h3>\n<p>The creditors should first conduct a background check of the company to evaluate the creditor&#8217;s financial health.<\/p>\n<p>It won&#8217;t be worth paying to initiate legal action against a person who has no means to pay back the debt.<\/p>\n<p>Secondly, a letter of demand should be issued to the debtor stating the details of the breach. This will help the creditor to establish a strong claim against the debtor.<\/p>\n<p>Settlement through court is a time consuming and costly affair. This could also tarnish the existing relationship of confidence and trust between the creditor and debtor permanently.<\/p>\n<p>In terms of real-world application, a JDS is a powerful tool in a creditor&#8217;s arsenal.<\/p>\n<p>Its effective use can be the difference between recovering a debt in full or facing prolonged financial disputes.<\/p>\n<p>Understanding and navigating the JDS process is essential for any creditor seeking to enforce a court-sanctioned judgment effectively.<\/p>\n<p>As a practical solution, both parties should discuss and reach an amicable solution before resorting to legal action.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Time_Line\"><\/span>Time Line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.agc.gov.my\/agcportal\/uploads\/files\/Publications\/LOM\/EN\/Act%20254.pdf\" target=\"_blank\" rel=\"noopener\">Section 6(3) of the Limitation Act 1953<\/a> states that no action on any judgement shall be brought after the expiration of twelve years from the date on which the judgment became enforceable.<\/p>\n<p>It should also be noted that <em><strong><a href=\"http:\/\/www.agc.gov.my\/agcportal\/uploads\/files\/Publications\/LOM\/EN\/Act%20254.pdf\" target=\"_blank\" rel=\"noopener\">no arrears<\/a> of interest in respect of any judgment debt shall be recovered after the completion of six years<\/strong><\/em> from the date on which the interest became due.<\/p>\n<p>Thus in short even if the judgement creditor got a successful verdict against the judgement debtor from Court, no JDS can be issued after 12 years from the judgement.<\/p>\n<p>Needless to say, the earlier a creditor takes action, the more likely he is to recover the delinquent debt.<\/p>\n<h2 id=\"gpeti89728\" class=\"NsVaf oLNNr\" data-pm-slice=\"1 1 []\"><span class=\"ez-toc-section\" id=\"AUTHOR_PROFILE\"><\/span><strong><u>AUTHOR PROFILE<\/u><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p id=\"ans2540276\" class=\"bXAXN KR-YH\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-2370\" src=\"https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-200x300.jpg\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-200x300.jpg 200w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-683x1024.jpg 683w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-768x1152.jpg 768w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-1024x1536.jpg 1024w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156-8x12.jpg 8w, https:\/\/www.recoverdebt.my\/wp-content\/uploads\/2025\/01\/goMeirongTemp_mr1466424209156.jpg 1080w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/p>\n<figure id=\"vb8lc672\"><figcaption><\/figcaption><\/figure>\n<p id=\"wpnf11571\" class=\"bXAXN KR-YH\">Rudi Cheu is the principal of Rule &amp; Co. Advocates &amp; Solicitors; a Malaysian law firm focusing on practical and cost-effective solutions for debt recovery and commercial disputes. With nearly a decade of debt recovery experience under his belt; Rudi is passionate about helping businesses navigate debt recovery challenges and shares insights at <a class=\"_7HNvG A0W6B\" href=\"http:\/\/www.rulecolaw.com\/blog\" target=\"_blank\" rel=\"noopener\" data-hook=\"web-link\"><u>www.rulecolaw.com\/blog<\/u><\/a> and <a class=\"_7HNvG A0W6B\" href=\"https:\/\/www.recoverdebt.my\/bm\/\" target=\"_blank\" rel=\"noopener\" data-hook=\"web-link\"><u>recoverdebt.my<\/u><\/a><\/p>\n<p id=\"o0njc53698\" class=\"bXAXN KR-YH\"><strong>He can be reached via Whatsapp: <u>+60102028095<\/u>\u00a0or via email: <\/strong><a class=\"_7HNvG A0W6B\" href=\"mailto:rudi.cheu.law@gmail.com\" target=\"_blank\" rel=\"noopener\" data-hook=\"web-link\"><strong><u>rudi.cheu.law@gmail.com<\/u><\/strong><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Let\u2019s imagine a scenario in which one of your clients has defaulted in payments. Even though you have notified him through multiple emails or letters, you find no response. Finally, you decide to initiate legal action against the debtor. You appoint an experienced lawyer of your choice and fulfill all the necessary legal conditions such [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1399,"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":[30],"tags":[],"class_list":["post-814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-enforcement","entry","has-media"],"_links":{"self":[{"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts\/814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/comments?post=814"}],"version-history":[{"count":0,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/posts\/814\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/media\/1399"}],"wp:attachment":[{"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/media?parent=814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/categories?post=814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.recoverdebt.my\/bm\/wp-json\/wp\/v2\/tags?post=814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}