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  • Bankruptcy
    • General Review of Bankruptcy
    • Bankruptcy for an Individual
    • Bankruptcy For Small Business
    • Bankruptcy Help For Creditors
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      • Beyond the Paperwork: It’s Not Just Filling Out Forms, and Understanding The Attorney’s Role
      • Arizona Exemptions (download)
      • Federal Exemptions (download)
      • Chapter 7 Flowchart (download)
      • Chapter 13 Flowchart (download)
      • Bankruptcy Terms in Plain Language
      • How to Protect Your Social Security
      • Superior Court Process & Helpful Links
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Category: Bankruptcy Articles & Resources

  • money in a jar

    File Tax Returns – Even If Not Required

    Published On: 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 [...]

  • miliary family

    How to Avoid Dishonest Debt Collectors – video

    Published On: July 24, 2022

    Want to avoid dishonest debt collectors? Watch this video from FTC’s Consumer Advice By Joseph Ferrari,July 22, 2022 (reprint from FTC, Consumer Alerts) During Military Consumer Month 2022, the FTC is highlighting resources [...]

  • two men shaking hands, one with knife behind his back

    The Secret Costs of Using Buy Now Pay Later Services

    Published On: July 20, 2022

    BEWARE OF THE SECRET COSTS OF USING ‘BUY NOW PAY LATER’!! What You May Not Know About These Services Services like “buy now pay later” now account for $100 [...]

  • Forgive Us Our Debts

    Published On: June 19, 2022

    RELIGION AND BANKRUPTCY Bankruptcy has its roots in religion. No one should avoid dealing with debt because of misunderstandings about religious or ethical considerations. It is NOT shameful to seek relief from crushing debt! [...]

  • graduate trying to pull huge student loan weight

    Busting myths about bankruptcy and private student loans

    Published On: April 18, 2022

    Education Loans Can Be Discharged in Bankruptcy Busting myths about bankruptcy and private student loans By Robert G. Cameron – APR 12, 2022 (Reprint from Consumer Financial Protection Bureau "www.CFPB.gov".  The following is an [...]

  • debt crushing woman's head

    Medical Debt Purchased by Debt Buyers for Pennies on the Dollar, but Sue For the Full Amount

    Published On: August 29, 2021

    Dirty Little Secret – medical bills are the highest they have ever been and debtor buyers are paying pennies on the dollar to purchase the debts, but then sue the [...]

  • John Oliver explains bankruptcy

    Bankruptcy, Explained by John Oliver

    Published On: April 25, 2021

    There is so much mis-information about bankruptcy and how it works, or does not work.  Know your options before making any decision to file or not to file bankruptcy or participate in a "debt [...]

  • sign: follow the rules

    Even if You Are in Prison – File Required Bankruptcy Documents or Your Case Will Be Dismissed.

    Published On: April 3, 2021

    In prison?  If You Are Going to File Bankruptcy, You Must Follow the Rules – No Exception. In re Harrell, BAP No. EC-20-1091-BTL (9th Cir BAP, 3-20-21) Harrell is incarcerated [...]

  • Upside down house

    You Have a Reverse Mortgage: Know Your Rights and Responsibilities

    Published On: March 9, 2021

    You Have a Reverse Mortgage Know Your Rights and Responsibilities Reverse Mortgage Borrowers Publication from Consumer Financial Protection Bureau “CFPB”.  Reverse mortgages can be a nightmare, leaving your spouse evicted from their home once the [...]

  • Problem solving maze

    Is Pre-bankruptcy Planning Good Advice at the Time, but Bad Faith Later?”

    Published On: February 2, 2021

    Every client deserves competent advice in order to plan their life, but they also need to be able to avoid unforeseen results.  They also deserve to be treated with respect and compassion by everyone involved [...]

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5 / 5

thank you for all of your help

"thank you for all of your help" C.S. As difficult as this entire process was emotionally and physically bringing everything together my experience with you has been amazing and much easier than I thought it would be thank you for all of your help. [...]

5 / 5

The BEST! – Five Stars

“The BEST! – Five Stars” K. I had filed for Chapter 7 with Diane and it was the easiest most stress free process. My wife and I were considering for months on just what to do since this was my first time filing and we got different [...]

5 / 5

Diane and Jay are a great team

“Amazing experience” L.A. Diane and Jay are a great team. Diane took the time to explain every step of the way and provide me with so much education regarding my bankruptcy. The material I obtain was and is very helpful to have a stable life. Thank you [...]

5 / 5

I am glad that Diane was the person to lead me through it

"I am glad that Diane was the person to lead me through it." T. I wish that I did not have to file for bankruptcy protection; nevertheless, having to go through the process I am glad that Diane was the person to lead me through it. Diane definitely [...]

5 / 5

You gave us great guidance

“You gave us great guidance.” J.B. Thank you !!! Diane and Jay for all your help. I would highly recommend your services. You were very caring and helpful during the whole process. You gave us great guidance through a very stressful time. We appreciate it. [...]

5 / 5

We can’t say enough good things about Diane Drain

"Great Team - Diane & Jay. If ever there is a question she is there to answer it." K & C GREAT TEAM – DIANE AND JAY.  We can’t say enough good things about Diane Drain. My wife and I were at a point that we were devastated [...]

5 / 5

Diane took over my case when my other attorney was disbarred.

“Diane took over my case when my other attorney was disbarred. ” M.W. Diane Drain is consummate professional. She took over my case when my other attorney was disbarred. This meant appearing on my behalf in Federal Court Judge (not just the Trustee) with about one week’s [...]

5 / 5

Communication is key when entering into a bankruptcy

“Communication is key when entering into a bankruptcy” K.H. I can’t say enough good things about Diane. The way she handled my not typical circumstances was amazing. I was very nervous to start the bankruptcy process but Diane just has a very comforting way of explaining the [...]

5 / 5

Free consultation and we are ever so grateful

free consultation and we are ever so grateful. C.M. Diane gave invaluable advice during the free consultation and we are ever so grateful. If and when the time comes to pursue further actions financially, Diane is without-a-doubt the one who will guide us. Thanks again! [...]

5 / 5

My wife and I would recommend Diane to anyone who is thinking of filing

"My wife and I would recommend Diane to anyone who is thinking of filing" P.A. Filing for Bankruptcy is a huge decision, yet Diane’s knowledge of the laws from her years of experience make it far less daunting. My wife and I would recommend Diane to anyone who [...]

5 / 5

Diane – you were nice and caring.

“You were very nice and caring. ” R.G. I cannot thank you enough Diane for taking the time to speak with me. Your website has so much information and very helpful. You were very nice and caring. Appreciate you!  R.G.   [...]

5 / 5

she made things so easy to understand

“she made things so easy to understand” J.C. I could not have made a better choice than Diane to help me with my bankruptcy case. During what is a very difficult and stressful time, she made things so easy to understand and the process could not have [...]

5 / 5

They helped me feel at ease with the process

“They helped me feel at ease with the process” T.R. Diane and Jay did a fantastic job helping me through the bankruptcy process and making sure I knew what I needed to do and what to expect every step of the way. They were amazing and helped [...]

5 / 5

Diane and Jay are a wonderful team

"Diane and Jay are a wonderful team!" R & S Diane and Jay are a wonderful team. Efficiency and clarity were the hallmark of our experience.

5 / 5

They eased my troubled mind

“They eased my troubled mind” P.A. My experience with both Diane Drain & Jay have eased my troubled mind! They both were Extra Helpful during this trying time!

5 / 5

answered all of my questions thoroughly

"answered all of my questions thoroughly" E.L. Diane and Jay were amazing! They made everything so easy and answered all of my questions thoroughly. I appreciate all the help and guidance I received throughout my filing experience. I would highly recommend Diane to anyone looking into bankruptcy. [...]

5 / 5

Process was very simple to understand

“Process was very simple to understand” R.C. Very professional Diane and Jay, loved their process was very simple to understand.

5 / 5

Being of Service to Others certainly overshadowed any money motivation…in the end her expert consultation did not cost us any money.

“Being of Service to Others certainly overshadowed any money motivation…in the end her expert consultation did not cost us any money. ” G.G. Diane was great at coming to our rescue during very stressful times… Dianne and her team were always in good communication and they always [...]

Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"

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