{"id":271350,"date":"2025-07-25T00:17:39","date_gmt":"2025-07-24T18:47:39","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=271350"},"modified":"2025-07-25T15:00:21","modified_gmt":"2025-07-25T09:30:21","slug":"steps-to-take-struggling-with-multiple-debts","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/steps-to-take-struggling-with-multiple-debts\/","title":{"rendered":"Steps to Take If You\u2019re Struggling With Multiple Debts"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#assess-your-debt-situation\">Assess Your Debt Situation<\/a><ul><li><a href=\"#list-and-organize-all-debts\">List and Organize All Debts<\/a><\/li><li><a href=\"#understand-your-credit-standing\">Understand Your Credit Standing<\/a><\/li><\/ul><\/li><li><a href=\"#create-a-realistic-budget-and-repayment-plan\">Create a Realistic Budget and Repayment Plan<\/a><ul><li><a href=\"#track-income-and-essential-expenses\">Track Income and Essential Expenses<\/a><\/li><li><a href=\"#prioritize-debts\">Prioritize Debts<\/a><\/li><\/ul><\/li><li><a href=\"#explore-debt-relief-and-consolidation-options\">Explore Debt Relief and Consolidation Options<\/a><ul><li><a href=\"#debt-consolidation-loans\">Debt Consolidation Loans<\/a><\/li><li><a href=\"#debt-management-plans\">Debt Management Plans<\/a><\/li><li><a href=\"#debt-settlement-and-bankruptcy\">Debt Settlement and Bankruptcy<\/a><\/li><\/ul><\/li><li><a href=\"#communicate-with-creditors\">Communicate With Creditors<\/a><ul><li><a href=\"#negotiate-for-better-terms\">Negotiate for Better Terms<\/a><\/li><\/ul><\/li><li><a href=\"#avoid-common-pitfalls\">Avoid Common Pitfalls<\/a><ul><li><a href=\"#dont-take-on-new-debt\">Don\u2019t Take on New Debt<\/a><\/li><li><a href=\"#dont-ignore-bills-or-collectors\">Don\u2019t Ignore Bills or Collectors<\/a><\/li><li><a href=\"#beware-of-scams\">Beware of Scams<\/a><\/li><\/ul><\/li><li><a href=\"#seek-professional-help-if-needed\">Seek Professional Help if Needed<\/a><ul><li><a href=\"#credit-counseling\">Credit Counseling<\/a><\/li><li><a href=\"#legal-and-financial-advice\">Legal and Financial Advice<\/a><\/li><\/ul><\/li><li><a href=\"#monitor-your-progress-and-adjust-as-needed\">Monitor Your Progress and Adjust as Needed<\/a><ul><li><a href=\"#track-payments-and-celebrate-milestones\">Track Payments and Celebrate Milestones<\/a><\/li><\/ul><\/li><li><a href=\"#adjust-your-plan-as-life-changes\">Adjust Your Plan as Life Changes<\/a><\/li><li><a href=\"#build-financial-habits-for-the-future\">Build Financial Habits for the Future<\/a><\/li><li><a href=\"#additional-tips-for-managing-multiple-debts\">Additional Tips for Managing Multiple Debts<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Multiple debts can quickly pile up and leave you feeling overwhelmed, unsure of where to start or how to make progress. If you\u2019re staring at a stack of bills and wondering how you\u2019ll dig your way out, you\u2019re far from alone. In 2025, the average American household carries over $101,000 in debt, and over 60% of adults report feeling burdened by what they owe. Whether it\u2019s credit cards, student loans, medical bills, or personal loans, juggling multiple debts can feel like a never-ending uphill battle. The good news? No matter how deep the hole feels, there are proven steps you can take to regain control, lower your stress, and start making real progress.<\/p>\n\n\n\n<p>This guide walks you through each step\u2014practically, honestly, and with encouragement\u2014so you can move from overwhelmed to empowered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"assess-your-debt-situation\">Assess Your Debt Situation<\/h2>\n\n\n\n<p>Before you can fix a problem, you need to see it. Many avoid looking at their debt because it\u2019s stressful or embarrassing. But facing the numbers is the first and most important step toward freedom.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"list-and-organize-all-debts\">List and Organize All Debts<\/h3>\n\n\n\n<p>Begin by gathering every bill, statement, and collection notice. Don\u2019t leave anything out, even if it\u2019s a small balance or a debt you\u2019re disputing. Write down:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The name of each creditor or lender<\/li>\n\n\n\n<li>The total balance for each debt<\/li>\n\n\n\n<li>The <a href=\"https:\/\/trybeem.com\/blog\/financial_terms\/annual-percentage-rate-apr\/\" target=\"_blank\" rel=\"noreferrer noopener\">interest rate (APR)<\/a><\/li>\n\n\n\n<li>The minimum monthly payment<\/li>\n\n\n\n<li>The payment due date<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>You can use a spreadsheet, a notebook, or a debt tracking app\u2014whatever helps you see the big picture. If you\u2019re more visual, try color-coding your debts by urgency or interest rate. This list is your \u201cdebt dashboard.\u201d It might be scary initially, but seeing everything in one place is empowering. It gives you a starting point and helps you plan your next moves.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"understand-your-credit-standing\">Understand Your Credit Standing<\/h3>\n\n\n\n<p>Your credit report is a snapshot of your financial life. It shows not just your debts, but also your payment history, credit utilization, and any accounts in collections or charged off. Get your free credit report from each of the three major bureaus (Equifax, Experian, TransUnion)\u2014you\u2019re entitled to one free report from each every year, and many services (like <a href=\"http:\/\/trybeem.com\" target=\"_blank\" data-type=\"link\" data-id=\"trybeem.com\" rel=\"noreferrer noopener\">Beem<\/a>) offer ongoing monitoring.<\/p>\n\n\n\n<p><strong>Look for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any debts that have gone to collections or been charged off<\/li>\n\n\n\n<li>Errors or outdated information that could be hurting your score<\/li>\n\n\n\n<li>Your current credit score, which will impact your options for consolidation or new credit<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>If you spot errors, dispute them right away. Fixing mistakes can boost your score, making it easier to qualify for better rates or consolidation loans.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/how-beem-pass-supports-side-hustler\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Beem Pass Supports Side Hustlers\u2014Manage Cash Flow and Avoid Debt<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"create-a-realistic-budget-and-repayment-plan\">Create a Realistic Budget and Repayment Plan<\/h2>\n\n\n\n<p>A budget isn\u2019t about deprivation\u2014it\u2019s about clarity and control. It helps you see where your money is going and how much you can realistically put toward your debts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"track-income-and-essential-expenses\">Track Income and Essential Expenses<\/h3>\n\n\n\n<p>Start by listing all sources of income, after taxes. Then, write down your fixed monthly expenses: rent or mortgage, utilities, insurance, groceries, transportation, and minimum debt payments. Don\u2019t forget <a href=\"https:\/\/trybeem.com\/blog\/unexpected-expenses-without-breaking-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">irregular expenses <\/a>like annual subscriptions or quarterly bills\u2014divide these by 12 and add to your monthly budget.<\/p>\n\n\n\n<p>Once you subtract your expenses from your income, you\u2019ll see what\u2019s left for extra debt payments or savings. If your expenses exceed your income, it\u2019s time to look for places to cut back\u2014subscriptions, dining out, unused memberships, or impulse purchases. Even small changes can add up over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"prioritize-debts\">Prioritize Debts<\/h3>\n\n\n\n<p>Not all debts are created equal. Missing a mortgage or car payment can lead to foreclosure or repossession, while missing a credit card payment will hurt your credit, not your housing or transportation. Prioritize \u201cmust-pay\u201d bills first.<\/p>\n\n\n\n<p>For unsecured debts (like credit cards and personal loans), choose a repayment strategy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche Method: <\/strong>Pay off the highest-interest debt first. This saves the most money over time and shortens your payoff period.<\/li>\n\n\n\n<li><strong>Snowball Method: <\/strong>Pay off the smallest balance first. This gives you quick wins and motivation to keep going.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Both methods work\u2014pick the one that fits your personality and keeps you motivated. Set realistic goals, like paying off a single card in six months or reducing your total balances by 10% this year. Celebrate small victories to keep your spirits up.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/budget-for-big-purchases-without-going-into-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Budget for Big Purchases Without Going Into Debt: A Step-by-Step Guide<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"explore-debt-relief-and-consolidation-options\">Explore Debt Relief and Consolidation Options<\/h2>\n\n\n\n<p>If you struggle to keep up with multiple payments, debt relief or consolidation can simplify your life and save you money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"debt-consolidation-loans\">Debt Consolidation Loans<\/h3>\n\n\n\n<p>Debt consolidation means rolling several debts into one new loan with a single monthly payment\u2014often at a lower interest rate. This can be done through:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal loans from banks, credit unions, or online lenders like SoFi, Marcus, or Upgrade<\/li>\n\n\n\n<li>Balance transfer credit cards with a 0% introductory APR (watch for transfer fees and the end of the promo period)<\/li>\n\n\n\n<li>Home equity loans or lines of credit (only if you\u2019re comfortable using your home as collateral)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Benefits include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simplified payments (one due date, one payment)<\/li>\n\n\n\n<li>Potentially lower interest rates<\/li>\n\n\n\n<li>A clear payoff timeline<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>But be careful:<\/strong> you\u2019ll need to qualify based on your <a href=\"https:\/\/trybeem.com\/blog\/what-is-credit-score-simulator-and-is-it-accurate\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a> and income, and you must avoid racking up new debt on paid-off cards. Otherwise, you could end up deeper in debt than before.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"debt-management-plans\">Debt Management Plans<\/h3>\n\n\n\n<p>A debt management plan (DMP) is set up through a nonprofit credit counseling agency. They\u2019ll negotiate with your creditors for lower interest rates and combine your unsecured debts into a single monthly payment, usually paid over three to five years. You make one payment to the agency, and they distribute it to your creditors.<\/p>\n\n\n\n<p>DMPs can help you avoid collections and late fees, often resulting in faster payoff. However, you\u2019ll need to close your credit card accounts while on the plan and stick to the payment schedule.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"debt-settlement-and-bankruptcy\">Debt Settlement and Bankruptcy<\/h3>\n\n\n\n<p>Debt settlement involves negotiating with creditors to pay less than you owe, usually in a lump sum. This can damage your credit and have tax consequences, so it\u2019s best used as a last resort. Bankruptcy is a legal process that can discharge many debts but has serious long-term effects on your credit and should only be considered after exploring all other options.<\/p>\n\n\n\n<p>If considering these options, consult a reputable credit counselor or bankruptcy attorney first. They can help you understand the risks and benefits for your unique situation.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/debt-consolidation-credit-score-improvement\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consolidating Debt to Improve Your Credit Score: Everything You Need to Know<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"communicate-with-creditors\">Communicate With Creditors<\/h2>\n\n\n\n<p>If you\u2019re struggling, don\u2019t wait for the phone to start ringing\u2014contact your creditors before you miss a payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"negotiate-for-better-terms\">Negotiate for Better Terms<\/h3>\n\n\n\n<p>Call your lenders and explain your situation. Be honest and respectful. If you&#8217;re proactive, many creditors offer hardship programs, temporary payment reductions, or even lower interest rates. When negotiating:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ask for payment extensions, reduced interest rates, or waived fees<\/li>\n\n\n\n<li>Offer a realistic payment plan you can stick to<\/li>\n\n\n\n<li>Document every conversation and get all agreements in writing<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Staying in touch shows you\u2019re serious about repaying your debts and can help you avoid collections or legal action.<\/p>\n\n\n\n<p><strong>Pro Tip:<\/strong> If you\u2019re nervous about calling, write a script or practice with a friend. Remember, creditors would rather work with you than send your debt to collections.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/prioritize-debt-repayment-in-your-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Prioritize Debt Repayment in Your Budget: The 2025 Guide to Financial Freedom<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"avoid-common-pitfalls\">Avoid Common Pitfalls<\/h2>\n\n\n\n<p>When you\u2019re under financial stress, making decisions that backfire is easy. Watch out for these traps:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dont-take-on-new-debt\">Don\u2019t Take on New Debt<\/h3>\n\n\n\n<p>Opening a new card or loan to pay off existing balances might be tempting, but this often leads to a debt spiral. Only use consolidation if you have a clear plan to avoid <a href=\"https:\/\/trybeem.com\/blog\/how-to-teach-teens-credit-responsible-borrowing\/\" target=\"_blank\" rel=\"noreferrer noopener\">new borrowing.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dont-ignore-bills-or-collectors\">Don\u2019t Ignore Bills or Collectors<\/h3>\n\n\n\n<p>Ignoring bills will not make them go away\u2014it can lead to late fees, collections, lawsuits, or wage garnishment. Always respond to notices and keep communication lines open.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"beware-of-scams\">Beware of Scams<\/h3>\n\n\n\n<p>Be wary of any company that charges upfront fees, promises to \u201cerase\u201d your debt, or guarantees results that sound too good. Stick with reputable lenders, nonprofit agencies, and official resources.<\/p>\n\n\n\n<p><strong>Red Flags:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Demands for payment before services are provided<\/li>\n\n\n\n<li>Pressure to act immediately<\/li>\n\n\n\n<li>Guarantees to \u201cfix\u201d your credit or eliminate debt overnight<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/how-much-does-a-debt-settlement-lawyer-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Does a Debt Settlement Lawyer Cost<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"seek-professional-help-if-needed\">Seek Professional Help if Needed<\/h2>\n\n\n\n<p>If your debts feel unmanageable, don\u2019t hesitate to ask for help.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-counseling\">Credit Counseling<\/h3>\n\n\n\n<p>A certified, nonprofit credit counselor can review your finances, help you create a budget, and recommend the best repayment strategy. They can also set up a debt management plan and negotiate with creditors on your behalf.<\/p>\n\n\n\n<p>Look for agencies accredited by the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). Avoid any organization that charges high upfront fees or makes unrealistic promises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"legal-and-financial-advice\">Legal and Financial Advice<\/h3>\n\n\n\n<p>If you\u2019re considering bankruptcy or facing legal action from creditors, consult a bankruptcy attorney or financial advisor. They can help you understand your rights and options.<\/p>\n\n\n\n<p><strong>Tip: <\/strong>Many legal aid organizations offer free or low-cost consultations for those in financial distress.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"monitor-your-progress-and-adjust-as-needed\">Monitor Your Progress and Adjust as Needed<\/h2>\n\n\n\n<p>Getting out of debt is a marathon, not a sprint. Stay engaged and celebrate your wins along the way.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"track-payments-and-celebrate-milestones\">Track Payments and Celebrate Milestones<\/h3>\n\n\n\n<p>Use budgeting tools, spreadsheets, or apps like Beem to <a href=\"https:\/\/trybeem.com\/credit-score-monitoring\" target=\"_blank\" rel=\"noreferrer noopener\">monitor your balances<\/a>, payment history, and credit score. Mark each debt as you pay it off, and reward yourself for reaching key milestones\u2014make sure your reward doesn\u2019t involve more spending!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"adjust-your-plan-as-life-changes\">Adjust Your Plan as Life Changes<\/h2>\n\n\n\n<p>If your income goes up, put extra money toward debt. If you hit a setback, revisit your budget and adjust your plan. Flexibility is key to staying on track for the long haul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"build-financial-habits-for-the-future\">Build Financial Habits for the Future<\/h2>\n\n\n\n<p>Once you\u2019re on the path to being debt-free, think about how you can avoid falling back into old patterns. Build an emergency fund, continue tracking your spending, and set new financial goals\u2014like saving for a home, retirement, or a dream vacation. The habits you build now will serve you for life.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/lower-debt-income-ratio-boost-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Lower Your Debt-to-Income Ratio and Boost Your Credit Score<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-tips-for-managing-multiple-debts\">Additional Tips for Managing Multiple Debts<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Automate Payments: <\/strong>Set up automatic payments for at least the minimum due on each account to avoid late fees and credit score dings.<\/li>\n\n\n\n<li><strong>Review Statements Regularly: <\/strong>Read every statement to catch errors, fraudulent charges, or unexpected fees early.<\/li>\n\n\n\n<li><strong>Limit Credit Card Use: <\/strong>Use cash or debit cards for everyday purchases while paying down debt.<\/li>\n\n\n\n<li><strong>Find Extra Income: <\/strong>Consider a side gig, selling unused items, or freelancing to bring in extra cash for debt payments.<\/li>\n\n\n\n<li><strong>Stay Motivated:<\/strong> Join online debt support groups or forums. Sharing your journey and hearing others\u2019 stories can keep you inspired.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Struggling with multiple debts can feel overwhelming, but you\u2019re not powerless. By getting organized, creating a realistic plan, exploring consolidation or relief options, and communicating with creditors, you can take control of your finances\u2014one step at a time. Remember, you don\u2019t have to do it alone: nonprofit counselors, reputable lenders, and tools like Beem help you track your progress and find the best solutions. <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app now<\/a>!<\/p>\n\n\n\n<p>The journey to debt freedom may take time, but every payment, every phone call, and every small victory brings you closer to financial peace of mind. Start today, stay committed, and know that a debt-free future is within reach.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Multiple debts can quickly pile up and leave you feeling overwhelmed, unsure of where to start or how to make progress. If you\u2019re staring at a stack of bills and wondering how you\u2019ll dig your way out, you\u2019re far from alone. In 2025, the average American household carries over $101,000 in debt, and over 60% [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":230618,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2308],"tags":[4790,80,107,168,191],"edited-by":[],"class_list":["post-271350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spend","tag-beem","tag-debt","tag-financial-planning","tag-money-matters","tag-personal-finance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271350","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=271350"}],"version-history":[{"count":6,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271350\/revisions"}],"predecessor-version":[{"id":271360,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/271350\/revisions\/271360"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/230618"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=271350"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=271350"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=271350"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=271350"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}