• Debt-settlement companies promise to reduce what you owe, but creditors do not have to settle. Learn what federal regulators say about growing balances, lawsuits, fees, taxes and other debt-settlement risks before you stop paying your creditors.

  • Debt settlement companies promise relief from overwhelming debt, but creditors do not have to settle and lawsuits can continue. Learn about the hidden fees, growing balances, tax consequences, and alternatives before signing a contract.

  • Many people delay filing bankruptcy because of fear, guilt, or misinformation. Learn three common reasons people avoid bankruptcy and why accurate legal advice matters before financial problems worsen. The three most misunderstood reasons not to file bankruptcy are fear of credit damage, fear of losing everything, and the belief that a person must first sacrifice every possible resource. Those concerns deserve serious attention. But they should be evaluated based on the actual facts, applicable law, and a person’s long-term financial position—not on myths.

  • Build Financial Stability, Not Just a Better Credit Score A good credit score can be helpful. It may make it easier to rent an apartment, obtain a mortgage, finance a vehicle, or qualify for lower [...]

  • Debt Decisions Have Consequences: Slow Down Before You Act When money is tight, fear can take over. You feel as if a debt storm has caught you. People may feel pressured to make fast decisions: [...]

  • When the Economy Feels Unstable: How to Protect Yourself From Debt in an Unstable Economy Many families feel squeezed right now. Prices remain high, borrowing money is expensive, and many people are using credit cards [...]

  • Arizona law firm Chills a Client's Right to File an Honest Review I had a call from someone who hired an Arizona firm to file a bankruptcy, and they were required to sign a retainer [...]

  • Money Problems Lead to Shame, Which Leads to Making Bad Decisons Money problems are hard enough on their own—but what if the way we feel about our finances is actually making things worse? A groundbreaking [...]

  • What are the Basic Bankruptcy Principles? Bankruptcy is a legal process that helps people and businesses overwhelmed by debt get a financial ‘start fresh’. The principles of discharge, disclosure, and due process are key to [...]

  • “Top Notch Representation, Personalized Service! ” T.M. Diane Drain personally answers her incoming calls! Every individual has their own specific reasons for seeking bankruptcy protection. I enlisted Ms. Drain's assistance and from [...]