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It is very important that you obtain legal advice from an experienced attorney regarding your particular situation. Consultation before you take action will certainly cost you less than it will cost to fix your unintentional errors.


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.

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 

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