---
http_interactions:
- request:
    method: post
    uri: https://sandbox.plaid.com/liabilities/get
    body:
      encoding: UTF-8
      string: '{"access_token":"access-sandbox-0af2c971-41a6-4fc5-a97d-f2b27ab0a648"}'
    headers:
      Content-Type:
      - application/json
      User-Agent:
      - Plaid Ruby v38.0.0
      Accept:
      - application/json
      Plaid-Client-Id:
      - "<PLAID_CLIENT_ID>"
      Plaid-Version:
      - '2020-09-14'
      Plaid-Secret:
      - "<PLAID_SECRET>"
      Accept-Encoding:
      - gzip;q=1.0,deflate;q=0.6,identity;q=0.3
  response:
    status:
      code: 200
      message: OK
    headers:
      Server:
      - nginx
      Date:
      - Mon, 19 May 2025 17:24:04 GMT
      Content-Type:
      - application/json; charset=utf-8
      Content-Length:
      - '4907'
      Connection:
      - keep-alive
      Plaid-Version:
      - '2020-09-14'
      Vary:
      - Accept-Encoding
      X-Envoy-Upstream-Service-Time:
      - '253'
      X-Envoy-Decorator-Operation:
      - default.svc-apiv2:8080/*
      Strict-Transport-Security:
      - max-age=31536000; includeSubDomains; preload
      X-Content-Type-Options:
      - nosniff
      X-Frame-Options:
      - DENY
      X-Xss-Protection:
      - 1; mode=block
    body:
      encoding: ASCII-8BIT
      string: |-
        {
          "accounts": [
            {
              "account_id": "vor45kgbDjfqa1BMD8QRU4om8adWNWtqbzQJe",
              "balances": {
                "available": 8000,
                "current": 10000,
                "iso_currency_code": "USD",
                "limit": null,
                "unofficial_currency_code": null
              },
              "holder_category": "personal",
              "mask": "1122",
              "name": "Test Brokerage Account",
              "official_name": "Plaid brokerage",
              "subtype": "brokerage",
              "type": "investment"
            },
            {
              "account_id": "RperV9wJMNiDWKljGMkPCkwDGJb7q7FaNlVMp",
              "balances": {
                "available": 9372.38,
                "current": 1000,
                "iso_currency_code": "USD",
                "limit": 10500,
                "unofficial_currency_code": null
              },
              "holder_category": "personal",
              "mask": "1219",
              "name": "Test Credit Card Account",
              "official_name": "Plaid credit card",
              "subtype": "credit card",
              "type": "credit"
            },
            {
              "account_id": "9mvxVZRW7LUD67QbEBm1CPZ6XlqkmkF4oGNBo",
              "balances": {
                "available": 10000,
                "current": 10000,
                "iso_currency_code": "USD",
                "limit": null,
                "unofficial_currency_code": null
              },
              "holder_category": "personal",
              "mask": "4243",
              "name": "Test Depository Account",
              "official_name": "Plaid checking",
              "subtype": "checking",
              "type": "depository"
            },
            {
              "account_id": "6Gwzm7nJ6ZU4VbqEyKzZszyPQ8keRet8Q97k7",
              "balances": {
                "available": 15000,
                "current": 15000,
                "iso_currency_code": "USD",
                "limit": null,
                "unofficial_currency_code": null
              },
              "holder_category": "personal",
              "mask": "9572",
              "name": "Test Student Loan Account",
              "official_name": "Plaid student",
              "subtype": "student",
              "type": "loan"
            }
          ],
          "item": {
            "available_products": [
              "assets",
              "auth",
              "balance",
              "credit_details",
              "identity",
              "identity_match",
              "income",
              "income_verification",
              "recurring_transactions",
              "signal",
              "statements"
            ],
            "billed_products": [
              "investments",
              "liabilities",
              "transactions"
            ],
            "consent_expiration_time": null,
            "error": null,
            "institution_id": "ins_109508",
            "institution_name": "First Platypus Bank",
            "item_id": "n7XKpjRmDkHENymaBw7rU71wxQnrW4i6DDrQP",
            "products": [
              "investments",
              "liabilities",
              "transactions"
            ],
            "update_type": "background",
            "webhook": ""
          },
          "liabilities": {
            "credit": [
              {
                "account_id": "RperV9wJMNiDWKljGMkPCkwDGJb7q7FaNlVMp",
                "aprs": [
                  {
                    "apr_percentage": 12.5,
                    "apr_type": "purchase_apr",
                    "balance_subject_to_apr": null,
                    "interest_charge_amount": null
                  },
                  {
                    "apr_percentage": 27.95,
                    "apr_type": "cash_apr",
                    "balance_subject_to_apr": null,
                    "interest_charge_amount": null
                  }
                ],
                "is_overdue": false,
                "last_payment_amount": null,
                "last_payment_date": "2025-04-24",
                "last_statement_balance": 1000,
                "last_statement_issue_date": "2025-05-19",
                "minimum_payment_amount": 50,
                "next_payment_due_date": "2025-06-19"
              }
            ],
            "mortgage": null,
            "student": [
              {
                "account_id": "6Gwzm7nJ6ZU4VbqEyKzZszyPQ8keRet8Q97k7",
                "account_number": "3117529572",
                "disbursement_dates": [
                  "2023-05-01"
                ],
                "expected_payoff_date": "2036-05-01",
                "guarantor": "DEPT OF ED",
                "interest_rate_percentage": 5.25,
                "is_overdue": false,
                "last_payment_amount": null,
                "last_payment_date": null,
                "last_statement_balance": 16577.16,
                "last_statement_issue_date": "2025-05-01",
                "loan_name": "Consolidation",
                "loan_status": {
                  "end_date": null,
                  "type": "in school"
                },
                "minimum_payment_amount": 25,
                "next_payment_due_date": "2025-06-01",
                "origination_date": "2023-05-01",
                "origination_principal_amount": 15000,
                "outstanding_interest_amount": 1577.16,
                "payment_reference_number": "3117529572",
                "pslf_status": {
                  "estimated_eligibility_date": null,
                  "payments_made": null,
                  "payments_remaining": null
                },
                "repayment_plan": {
                  "description": "Standard Repayment",
                  "type": "standard"
                },
                "sequence_number": "1",
                "servicer_address": {
                  "city": "San Matias",
                  "country": "US",
                  "postal_code": "99415",
                  "region": "CA",
                  "street": "123 Relaxation Road"
                },
                "ytd_interest_paid": 0,
                "ytd_principal_paid": 0
              }
            ]
          },
          "request_id": "nFlL291sKIy1LkJ"
        }
  recorded_at: Mon, 19 May 2025 17:24:04 GMT
recorded_with: VCR 6.3.1
