disclaimer stampThis website is not intended to be a legal advice resource. It is only meant to be used for educational reasons. Please don’t take any action or refrain from taking any action based on what you’ve read on this website. This website, article, or link may contain outdated, incorrect, or irrelevant information. It is your obligation to speak with an expert attorney who can apply current legislation or laws to your personal situation in a professional manner.

There is no attorney-client relationship formed by using this site or communicating with Law Office of D.L. Drain or any of our employees. Please read the complete disclaimer for additional information.

It is vital that you seek legal advice from a qualified attorney on your individual situation. It will almost certainly cost you less to seek advice before acting than it will to repair your mistakes.


Diane L. Drain, bankruptcy attorney, retired law professor, mentor and community spokesperson.

It is impossible to answer everyone’s questions about bankruptcy, but some basic information information is included in this website.  Please understand that it is very important for you to obtain legal advice regarding your particular situation.

Bankruptcy is not simple — it is like open heart surgery.

Half of the calls we receive start with the statement “this is a simple bankruptcy”.  The caller does not understand that bankruptcy is not simple — it is like open heart surgery.  If the surgeon is good then the surgery will go as planned, but if there are complications or the surgeon does do a good job the consequences can result in the unnecessary loss of thousands of dollars.

Do not use document preparers or attorneys who do not practice bankruptcy law full time.

As the attorney for references, for years of practice, check them out with the State Bar and with AVVO and LinkedIn.


Talk to an experienced bankruptcy attorney (not their paralegal) and determine if they know the answers to your questions and if their personality fits your needs.  By the way – bankruptcy is a Constitutional right.  Educating yourself about your options, including bankruptcy, is a very smart choice.

painting of Benjamin FranklinHistory affords us many instances of the ruin of states, by the prosecution of measures ill suited to the temper and genius of their people. The ordaining of laws in favor of one part of the nation, to the prejudice and oppression of another, is certainly the most erroneous and mistaken policy. … These measures never fail to create great and violent jealousies and animosities between the people favored and the people oppressed; whence a total separation of affections, interests, political obligations, and all manner of connections, by which the whole state is weakened.”

– Benjamin Franklin