“Some of the work you do as a lawyer is the same over and over again. However, the best lawyer sees problems coming and helps their clients understand the risks and their choices. Don’t hire someone who is only interested in getting your money.”
DIANE L. DRAIN, lawyer, mentor, and community activist.
W elcome to my blog, your go-to guide to navigating bankruptcy laws. I am a veteran bankruptcy lawyer and consumer advocate in Arizona. I’ve committed my life to teaching and mentoring in order to cut through the legal jargon that intimidates anyone facing financial hardship. This is the same dedication I had as a law professor when teaching bankruptcy.
Everyone has the right to know their own and others’ rights, even creditors. Avoid stressing over creditors. Learn the facts to make smart choices.
Helpful materials, updated legal information, and advice can help you achieve financial security. Bottom line: Everyone deserves a decent night’s sleep and a stress-free future.
RECENT ARTICLES
RECENT ARTICLES
Understanding the Current Financial Landscape: A Comprehensive Guide to Recent Articles and Developments in the World of Bankruptcy
December 29, 2023
If Keeping Your Home is Important, Know Rules of Bankruptcy Experiencing bankruptcy brings both challenges and uncertainties Facing bankruptcy can be a challenging and uncertain time. One of the most pressing questions is whether you can keep your home during and after bankruptcy. In this article, we will explore the [...]
December 29, 2023
The article titled "Dangers of Using Public Wi-Fi Networks" posted on Galloptech Group's blog offers a comprehensive and insightful exploration of the risks associated with using public Wi-Fi networks. Here's an outline of what makes this article particularly informative: The article acknowledges the benefits of public Wi-Fi, setting a balanced tone. It gives a detailed explanation [...]
October 28, 2023
When a debtor is in Chapter 13 bankruptcy, it is not unusual that their monthly payments are made through a plan rather than directly to the mortgage lender. At the end of the year, the mortgage lender is likely to send Form 1098 (mortgage interest paid through the year) to the trustee, not the homeowner.
September 2, 2023
NEW STUDENT LOAN REPAYMENT PLAN, plus UPDATES (at end of this article) SAVE – “SAVING ON A VALUABLE EDUCATION” “SAVE” – New Student Loan Repayment Plan (8/23) 8/2023 To the relief of student loan-holders, the White House has launched a new repayment plan. SAVE – Saving [...]
July 19, 2023
IMPORTANT PROGRESS FOR STUDENT LOAN BORROWERS WHO HAVE BEEN IN REPAYMENT TWO DECADES OR MORE Posting from the National Consumer Law Center Important Progress for Student Loan Borrowers Reposting from NCLC, July 18, 2023: The Department of Education has begun the process of automatically discharging $39 billion in federal student loans for [...]
June 8, 2023
"Awarded to legal service providers who have devoted expertise and time to changing the justice system to promote access and opportunity for those most vulnerable." 2023 has been a wonderful year - this award is the icing on the cake. My thanks to everyone who has supported me over the last 40 years.
March 28, 2023
DOD to Help Military and Their Families SIX New Measures to Enhance Well-Being Release from US Department of Defense, March 22, 2023 Secretary of Defense Lloyd J. Austin III unveiled a comprehensive plan aimed at improving the lives of our dedicated military force and their families. The new plan consists of six additional [...]
March 6, 2023
PEOPLE MAY WANT TO FILE A TAX RETURN – EVEN IF THEY ARE NOT REQUIRED TO DO SO Posting from the IRS & Filing Tips IRS Tax Tip 2023-27, March 2, 2023 Some people choose not to file a tax return because they aren’t legally required to file, but they could [...]
February 1, 2023
New Consumer Law Rights Taking Effect in 2023. This NCLC article lists federal and state consumer law rights scheduled to go into effect or expire, during the period from November 17, 2022, through December 31, 2023. Other consumer law changes will be enacted later in 2023 and will go into effect in 2023; this article lists changes whose effective dates have already been scheduled.
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Topics of Interest
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