[vc_row][vc_column width=”1/1″][vc_column_text]For personal bankruptcy advice please stay on this page, for business bankruptcy click here.
NOTE: please bookmark this page so you can refer to it later.
We know you are stressed, overwhelmed and afraid of what may come next. Let us help you. This firm is not a bankruptcy “mill” made of up inexperienced or indifferent lawyers. I have practiced law since 1985 and find the most dangerous misconception is that bankruptcy is a “one size fits all”. The truth is exactly the opposite – it is very rare that one person’s financial and life situations are the same as another. My goal is to customize legal advice to your unique history, needs and wants; all for a very reasonable price.
The first question from some callers is “what will this cost”? In order to answer that question I need information. Murphy’s Rule of Accuracy: When working toward the solution of a problem, it always helps if you know the answer. Corollary: Provided, of course, that you know there is a problem. The information you receive during the free consultation will help me to explain there is a problem and how best to fix it. I realize that price is important, but what is most important is receiving competent advice. Otherwise, you will have a miserable experience and waste a lot of money trying to fix errors caused by improper advice or planning. Remember that old adage “it costs more to fix a problem then it would to do it correctly the first time“.
My advice is to talk to more than one experienced lawyer. As you interview various law firms, look for a law firm with a good balance of pricing, experience and integrity.
[/vc_column_text][vc_separator][vc_row_inner][vc_column_inner width=”1/2″ el_class=”dark-bg”][newtitle type=”text” align=”center” size=”h4″ uppercase=”yes” bold=”yes” icon_size=”normal” show_bg=”yes” line=”no” line_align=”center” color=”#ffffff” bg_color=”#2a5200″ line_color=”#e8e8e8″ extra_color=”#666666″ value=”Step 1: Get Informed & Schedule a Free Consultation”][vc_column_text]In order for us to answer your questions it is important that you to understand the bankruptcy process and for us to understand your unique situation. Please watch the short videos, print and review the exemptions and fill out the financial form. Then you and I will have a free consultation.
- Review Educational Videos
- Review List of Arizona Exemptions
- Fill out the Financial Status Form
- Free Telephonic Consultation
We know this is a stressful time and do not want to make gathering information difficult. But we need certain financial information in order to give you the best legal advice possible. This is just like the doctor requiring blood test and x-rays in order to correctly diagnose a medical situation.
See article “What is a Simple Bankruptcy?)[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″ el_class=”dark-bg”][newtitle type=”text” align=”center” size=”h4″ uppercase=”yes” bold=”yes” icon_size=”normal” show_bg=”yes” line=”no” line_align=”center” color=”#ffffff” bg_color=”#2a5200″ line_color=”#e8e8e8″ extra_color=”#666666″ value=”Step 2: Start Filing Process & Meet Diane and Jay”][vc_column_text]By now we discussed your current financial situation and some issues for you to take care of. Since you are back you must have decided to proceed toward filing bankruptcy. The following steps will guide you in gathering most of the information and documents that are required during the bankruptcy process. Once you finish entering on-line data Diane will call to schedule your first meeting.
If you have problems filling out the on-line information please call us. Consider us your experienced guide to help you through this very complicated process. As an experienced guide we are here to help you deal with your current situation and plan for your future. We never want our clients to feel they are making decisions in the dark.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column width=”1/1″][vc_column_text][/vc_column_text][title text=”Step 1: Get Informed & Schedule Free Consultation” size=”h3″ line=”true” align=”center”][vc_column_text]
1. Review Educational Videos
Quick Page Index
- 1 1. Review Educational Videos
- 2 2. Review List of Arizona Exemptions
- 3 3. Financial Status form for an Individual
- 4 Important Notice to PC Users
- 5 Important Notice to Macintosh System Users
- 6 4. Free Bankruptcy Consultation
- 7 1. Obtain Credit Reports
- 8 2. Online Asset and Debtor Information
- 9 3. Complete Credit Counseling Class
- 10 4. Ms. Drain will call you to schedule your in-person meeting
The links below are to nine very short videos for Bankruptcy basics about the bankruptcy process and players. We require that you (and your spouse) watch all the videos in order to clearly comprehend the process involved in filing bankruptcy, your duties in filing bankruptcy and dispel many myths about bankruptcy.
NOTE: To watch all the videos at one time chose “view all”.
2. Review List of Arizona Exemptions
Once you are through watching the videos mentioned above, please proceed to review the List of Arizona Exemptions.
3. Financial Status form for an Individual
The general review of financial status form is intended to provide us with sufficient information to properly advise – whether about bankruptcy or other options. If bankruptcy is appropriate then which type of bankruptcy will accomplish your goals. This information will also assist in identifying specific areas of concern that could lead to difficulty for you – whether or not you file for bankruptcy.
To fill out the form on your computer and the email it to us, use the Download Fillable PDF button on left from below. Or you can also use the View & Print PDF button towards the right to fill the form out by hand and fax it to us. WARNING: Google Chrome has a problem with fillable PDF forms. If you use Google Chrome as your browser then just e-mail Jay at firstname.lastname@example.org and ask him to send you the fillable form.
Important Notice to PC Users
To open and complete the PDF application forms, you will need Adobe Reader 7.05 and above (version 9 is recommended). If you do not have it installed on your computer, you may download the latest version free of charge from http://get.adobe.com/reader/otherversions. If you don’t have an up to date version, there is a strong possibility of technical difficulties.
We suggest that you first download the PDF form to your computer and then open it with Adobe Reader and fill it in. If you open the PDF via your browser instead, please use Internet Explorer or Firefox (Chrome does not support fillable PDF forms). You can either type information directly into each field or cut and paste text from your own word processor. You can save your data and re-open the file later to modify or enter additional information.
Important Notice to Macintosh System Users
DO NOT use the Preview program to fill in the PDF form. If you do so, you will lose “ALL YOUR DATA” when saving the PDF form. Adobe Reader is the only program that will allow you to work with the form properly, and allow us to read the results once back on a Windows machine. Most MAC users do not already have Adobe Reader. Please use the following link to install it to your machine free of charge: http://get.adobe.com/reader/otherversions
If you are having problems using the form fillable PDF via your browser, proceed as follows:
- Open Adobe Reader.
- Select Edit from the menu.
- Select Preferences.
- Select Internet.
4. Free Bankruptcy Consultation
Once we receive your completed Financial Status Form we will call to schedule your free telephonic consultation session. These sessions are always with Diane Drain. If you have any questions or concerns prior to receiving our call, feel free to contact us at 602.246.7106.
In order to prepare for our discussion please print the list of Arizona Exemptions [+]. Our discussion with start with a discussion about the property that is protected. So it is important that you be familiar with the list.
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1. Obtain Credit Reports
Obtain credit reports from all 3 reporting agencies. If you are married obtain credit reports for each spouse. Here is a link to the free credit report. Why free? – The federal law requires that every Arizona resident be able to obtain a free annual credit reports.
Do your best to obtain these credit reports (all three for each spouse) in order to fill out the Online Asset and Debtor Information (see below) completely. The law requires that you list every creditor address on every piece of mail received in the last 90 days before filing a bankruptcy. There are creditor addresses on both the front and back of each statement/bill. These credit reports are intended to supplement, not replace the demands and statements that you have recently received from your creditors/collection companies.[/vc_column_text][vc_column_text]
2. Online Asset and Debtor Information
[/vc_column_text][vc_message color=”alert-block”]Please do not start this step until you have completed the videos and questionnaire (step one above). Also, please order your credit reports now.[/vc_message][vc_column_text]For new clients after November 1, 2014: After your free telephone conference Diane will send you an invitation to enter data to a secure on-line portal: www.MyCaseInfo.com. Please call us if you do not receive that invitation the same date as your telephonic discussion. This on-line program is secure and only our firm will receive your financial information.
For existing clients after November 1, 2014: If you already started filling out data on-line at Rapid Import you can continue to use that portal. Go to www.RapidImport.com. At the bottom right hand corner of the main page click on “Are you a debtor?” That will take you to www.StopMyBills.com. Fill in the Attorney ID: drain, then enter your social security number. Please be careful entering your social security number – it must be the same that you used during your first visit. All the data you entered should still be there.
For everyone: Before going any further print and read Instructions for Entering Data. These instructions will make your work much easier. Please call Jay (602-246-7106) if you still have questions after reading the instructions. This information becomes the foundation for your entire bankruptcy.
You and I will go over all the information during our two in-person appointments. When your bankruptcy is filed you will be asked to swear under oath that the information in your documents is complete and accurate. I want you to be very comfortable with this affirmation. So you can see why it is very important to commit the time and effort now so as to avoid complications later.
Reminder – order your free credit reports.
3. Complete Credit Counseling Class
Congress requires that you take a credit counseling class before you are permitted to file for bankruptcy. If you are married and filing together then both of you must take the hour class. The class is offered on the Internet or phone. We recommend DebtorCC.org ($9.99/person – English or Spanish) or Abacus Credit Counseling (English and Spanish, also does by phone and Internet). Let me know if you have any problems with a provider.
NOTE: Please do not sign up for the post bankruptcy course at this time. We will give you more information about this course once your bankruptcy is filed.
This office does not act as a facilitator for any providers, nor do we have log-in information. You pay the fees directly to the company and be sent a certificate once the class is completed. Make sure to send my office a copy of this certificate.
[/vc_column_text][vc_message color=”alert-block”]This course is good for only 6 months so take it only when you are ready to meet with me.
Beware of offers from fraudulent educational services. They must be approved by the US Trustee’s Office.[/vc_message][vc_column_text]
4. Ms. Drain will call you to schedule your in-person meeting
Once you have gathered all the documents & information mentioned above and are ready to start filing your bankruptcy. Please give us a call at 602.246.7106 to confirm we received notice that you completed the on-line intake process.
Diane will call to schedule your first meeting. Once that appointment is set Diane will e-mail you a list of items to bring to your meeting. The following is an advanced look at that list:
- Half of the retainer fee. The balance, plus the court filing fee is to be paid when you are ready for us to file your bankruptcy.
- Your driver’s license and social security cards. – Lost your social security card? It is extremely important that you obtain a new one. How? Complete an application (www.socialsecurity.gov/ssnumber) or call 1-800-772-1213.
- Send copies of your pay stubs for the last 7 months. Please send these before our meeting so that we can enter the information in our system.
- Credit Counseling Certificate(s). Try to have by this meeting, but must have by your second meeting.
- Bank statements for last 12 months – all accounts, including business (if any)
- Tax returns for last 2 full years
- Last 7 months of all pay stubs and/or proof of income (if self-employed).
- Copies of all vehicle titles or registrations.
- Copies of law suits, if any.
- If you owe back child support or alimony – a copy of exactly how much you owe and who is trying to collect.
- If you are behind on house payments and plan on saving your home, then bring a statement from lender indicating the amount necessary to bring the loan current, plus a copy of the Notice of Trustee’s Sale, if any.
- If you owe back federal taxes – obtain a literal transcript – IRS form 4506T-EZ from the IRS for the last 4 years.
NOTE: Free tax return preparation for qualifying taxpayers.
[/vc_column_text][vc_message color=”alert-info”]It is important that you have all the necessary documents in order for us to prepare all the appropriate documents. We will send you an e-mail with a list. If you bring a paper copy we will scan it into our system and give you back the original. Otherwise, you can either bring or e-mail electronic copies.[/vc_message][vc_separator][vc_column_text]
LIST OF ALL STEPS FOR THE ENTIRE BANKRUPTCY PROCESS FROM BEGINNING TO END[/vc_column_text][vc_separator][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]As a favor to me:
- I am sensitive to strong smells. So please avoid the use of perfumes or cologne when you meet with me.
- Leave small children at home. Our first meeting is long and you need to be able to concentrate.
- Illness: please reschedule your appointment if you or your family members are ill with cold or flu symptoms.
Thank you for your courtesy.[/vc_column_text][vc_column_text]