Published On: October 20, 2025
Here’s a summary of the key points from the article “Auto loan delinquencies are soaring, with consumers hit by high car prices”: 📈 What’s happening Delinquencies on auto loans (i.e., borrowers falling behind) have climbed [...]
Published On: July 14, 2025
Living Longer, Going Broke: The Rise of Senior Bankruptcies Retirement Dreams vs. RealityRetirement is often considered a time to relax, travel, spend time with family, or volunteer. However, many retirees struggle financially, with rising numbers [...]
Published On: June 1, 2025
Buy Now Pay Later (BNPL): Simple and Risky Buy now pay later (BNPL) lets you split the cost of something into smaller payments over time. It sounds easy—but there are some risks you should know [...]
Published On: February 23, 2025
The National Consumer Law Center (NCLC) is warning that the Trump Administration's actions to shut down the Consumer Financial Protection Bureau (CFPB) will devastate working families, honest businesses, and the economy. "Millionaires and billionaires are [...]
Published On: February 23, 2025
U.S. credit card debt reached a record $1.17 trillion In the third quarter of 2024, U.S. credit card debt reached a record $1.17 trillion, a significant increase from $770 billion in early 2021. This surge [...]
Published On: February 17, 2025
Reprint from the IRS website: Presidents Day weekend is peak time for IRS phone traffic. Skip the wait by visiting IRS.gov. IR-2025-22, Feb. 12, 2025 WASHINGTON — With the 2025 filing season underway and the [...]
Published On: February 11, 2025
Some time ago I published an article about the Arizona Supreme Court's terrible decision that those who live in RVs, motor homes, trailers, or houseboats—basically anything that is not a traditional stick or manufactured home—can [...]
Published On: January 20, 2025
Your life has become one of hard choices. Do you pay credit cards or your mortgage (hint- always pay your mortgage if you can afford to keep your home)? Do you pay taxes or buy [...]
Published On: July 3, 2024
The Consumer Financial Protection Bureau (CFPB) released a report delving into the hidden costs consumers are forced to pay for health savings accounts. May 1, 2024 The following is a reprint from CFPB's website (provided [...]
Published On: March 31, 2024
Into the Shadows: Unraveling the Dark World of Fraud, Schemes, and Scams The Sneaky World of Fraud and Scams: How They Work and Why You Should Be Careful Fraud and [...]
Her expertise and guidance are unsurpassed
“Her expertise and guidance are unsurpassed” P.H. Diane and Jay are an impeccable professional team! She explains everything you need to know and puts your heart and mind at ease with her compassion and understanding throughout the filing process. Her expertise and guidance are unsurpassed! [...]
Diane and Jay were always very positive and consistently receptive in answering and returning phone calls and emails in a timely manner
Diane and Jay were always very positive and consistently receptive in answering and returning phone calls and emails in a timely manner. In summary, they are a class act and able to take a very challenging and difficult process and make it as humane and positive as anyone could. I [...]
Diane made this whole process a lot less scary
"Diane made this whole process a lot less scary" L.S. Diane made this whole process a lot less scary and answered all my questions in a way that made me feel like this really wasn’t the end of the world for me. I would highly recommend her [...]
Diane uses her website to promote the education of the bankruptcy process available to everyone
“Diane uses her website to promote the education of the bankruptcy process available to everyone” T & G. W. We found ourselves in a financial tsunami 2 yrs ago. No matter how we did things the financial outlook was getting worse and worse. We finally decided we [...]
Any questions we had were answered quickly.
“Any questions we had were answered quickly. ” L. C. Diane and Jay have been wonderful through this whole experience. I don’t know what we would’ve done without them. Any questions we had were answered quickly. I would highly recommend their law firm if you’re looking for [...]
If only you knew how much you changed our lives
"If only you knew how much you changed our lives!" B & J. If only you knew how much you changed our lives. I can sleep through the nite, answer my phone and door without worrying who would be on the other side. Bankruptcy was not an easy [...]
Diane helped me navigate through these dark and difficult times.
“Diane helped me navigate through these dark and difficult times. ” J.M. Before bankruptcy your sense of security feels compromised and is actually in a very fragile state. Often times people relate finances to personal uniqueness. Before bankruptcy this is broken. Through bankruptcy Diane helped me navigate through [...]
I wish all attorneys treated their clients the way that Ms. Drain and Jay treated me
"I wish all attorneys treated their clients the way that Ms. Drain and Jay treated me." Anonymous I asked Ms. Drain to help me with a bankruptcy. When I first called I was scared, afraid to answer my phone and worried that my wages were about to be [...]
I Made the Right Decision in Choosing Diane
“I'm 100% convinced I made the right decision in choosing Diane. ” P.K. I have just received my discharge from the court. It's been a long journey and I can't emphasize how instrumental a role that Diane and Jay played in helping me navigate this journey. In [...]
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 [...]
Finding the right lawyer to help with a financial reboot.
“Finding the right lawyer to help with a financial reboot” T & G.W. We found ourselves in a financial tsunami 2 yrs ago. No matter how we did things the financial outlook was getting worse and worse. We finally decided we needed to investigate options. Once we [...]
Diane Helped Me Understand the Process
“She helped me understand why and how certain steps were necessary...” N.G.. I greatly appreciated Diane's thoroughness and ability to explain the process. She helped me understand why and how certain steps were necessary which reassured me that this was the right decision to make and that [...]
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. [...]
Our situation was complicated by having moved here recently from another state, but that posed no problem for them
“Our situation was complicated by having moved here recently from another state, but that posed no problem for them” R.B. Diane and Jay did a great job for us. Diane is a very knowledgeable, experienced, and well-connected bankruptcy lawyer. She instructed us well, was invaluable in getting [...]
I Leaned on Diane’s Expertise
“Diane Took the Time to Drop Great Wisdom and Insight for my Situation. ” D. C. I called to lean on Diane’s expertise around trust deed financing (even though it’s not her primary practice focus) and she took the time to drop great wisdom and insight for [...]
I never felt ashamed about my decision because you were so kind to me
"I never felt ashamed about my decision because you were so kind to me!" E.B. *I never felt ashamed about my decision because you were so kind to me about my situation. I thank you for you kindness and compassion as I struggled with my decision. I [...]
Thank you for your expert care with our bankruptcy case
"Thank you for your expert care with our bankruptcy case." J.L. Both Diane Drain and Jay McClimon at Law Office of D.L. Drain are by the far the most passionate, honest, and hardworking people I have ever met. Thank you again for your expert care with our bankruptcy [...]
I have a much clearer understanding of my choices and that has made the financial challenges much easier to deal with
I have a much clearer understanding of my choices and that has made the financial challenges much easier to deal with. T.P. Feeling the questionable unease of financial hardship can be one of life’s most serious challenges; not knowing where to turn for information, who to trust, [...]
