# Standing on the Rock

> Equity Jurisprudence and Court of Chancery education — a peace-based, honor-driven approach to the legal and financial system, taught to students in eight countries. Founded by JD Swan.

Standing on the Rock teaches Equity jurisprudence: the lawful, peace-based framework for answering presentments, discharging debt, resolving court matters, and navigating the commercial system in honor. The site publishes free problem-first guides for people facing a specific notice, summons, garnishment, or levy, alongside paid courses (Honor with Equity, Equity Trust Series). Content is education, not legal advice.

## Learn hub (highest-value content)

- [Learn hub](/learn): Index of every free problem-first Equity guide, organized by IRS & Tax, Debt & Collections, Court, Garnishment, and Property, plus state- and country-specific variants.
- [How to Get a Debt Lawsuit Dismissed](/learn/how-to-get-a-debt-lawsuit-dismissed): What a collection summons actually is, why most defendants lose by default, and what genuinely closes a debt case.
- [How to Answer a Summons Without an Attorney](/learn/how-to-answer-a-summons-without-an-attorney): The answer deadline, what a written answer must contain, and how to file it on the record yourself.
- [Being Sued by a Debt Collector](/learn/being-sued-by-a-debt-collector): What a debt buyer must prove, chain of assignment, statute of limitations, and the first steps after service.
- [How to Stop Wage Garnishment](/learn/how-to-stop-wage-garnishment): Federal and state garnishment caps, exemption claims, employer obligations, and what actually stops deductions.
- [How to Stop IRS Wage Garnishment](/learn/how-to-stop-irs-wage-garnishment): How an IRS levy differs from private garnishment, the 30-day window, and the responses that suspend collection.
- [IRS Notice of Intent to Levy](/learn/irs-notice-of-intent-to-levy): Reading CP504 versus the final notice, the Collection Due Process hearing request, and timing.
- [IRS 96C Letter](/learn/irs-96c-letter): What a 96C correspondence letter is, how to read "no further action is necessary," and what it does and does not mean.
- [How to Stop Foreclosure](/learn/how-to-stop-foreclosure): The foreclosure timeline from delinquency to sale, where options close, and redemption periods.
- [How to Get a Traffic Ticket Dismissed](/learn/how-to-get-a-traffic-ticket-dismissed): Why paying is an admission, requesting a hearing, and what dismissal usually depends on.
- [How to Stop Child Support Garnishment](/learn/how-to-stop-child-support-garnishment): Administrative income withholding, the higher federal limits that apply, and how modification works.

## Core pages

- [Home](/): Overview of Standing on the Rock and the Equity approach.
- [What is Equity](/what-is-equity): Introduction to Equity jurisprudence.
- [Why Equity](/why-equity): The case for learning Equity.
- [About](/about): About JD Swan and the school.
- [Author: JD Swan](/author): Credentials, teaching background, and published guides.
- [The Curriculum](/the-curriculum): Course curriculum overview.
- [Honor with Equity Course](/equity-course): Flagship Equity course.
- [Trust Course](/trust-course): Trust formation and administration course.
- [Community](/community): Student community and live sessions.
- [Student Wins](/wins): Screenshots and stories of documented student outcomes.
- [Testimonials](/testimonials): Student outcomes and stories.
- [Glossary](/glossary): Key Equity terms defined.
- [Resources](/resources): Articles, references, and study aids.
- [Free Guide](/free-guide): Free introductory Equity guide download.
- [Enroll](/enroll): Enrollment information.
- [Contact](/contact): Get in touch.
- [Support](/support): Help and FAQs.

## Topics

- [IRS Tax Notices](/about/irs-tax-notices)
- [State Tax Agencies](/about/state-tax-agencies)
- [Wage Garnishment](/about/wage-garnishment)
- [Court Cases](/about/court-cases)
- [Debt Collections](/about/debt-collections)
- [Hospital & Medical Bills](/about/hospital-medical-bills)
- [Property Tax](/about/property-tax)
- [Child Support & Family Court](/about/child-support-family-court)
- [Employer W8-BEN](/about/employer-w8ben)
- [Mortgages & Property](/about/mortgages-property)
- [Student Loans](/about/student-loans)
- [Repossession](/about/repossession)

## Optional

- [Privacy Policy](/privacy-policy)
- [Terms of Service](/terms)