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      • Beyond the Paperwork: It’s Not Just Filling Out Forms, and Understanding The Attorney’s Role
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  • Contact Us
  • For Lawyers
  • Our Story
    • About Diane L. Drain
    • Why Hire Diane?
    • How Can We Help You?
    • Reviews from Clients & Fellow Lawyers
    • Diane’s Honors & Awards
    • Formula for Simple Living
    • Bankruptcy History & Religion
    • Life Tips and Humor
  • Bankruptcy
    • General Review of Bankruptcy
    • Bankruptcy for an Individual
    • Bankruptcy For Small Business
    • Bankruptcy Help For Creditors
    • General Bankruptcy FAQs
    • Bankruptcy Articles & Links
    • Tools & Downloads
      • 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
      • Important Chapter 7 & 13 Deadlines
    • Bankruptcy Videos
    • Bankruptcy Glossary
  • AZ Real Estate
    • AZ Real Estate Overview
    • AZ Real Estate FAQs
    • AZ Real Estate Law
    • AZ Real Estate Articles & Links
    • AZ Real Estate Glossary
  • AZ Foreclosure, Eviction & More
    • AZ Trustee’s Sale & Foreclosure Overview
    • Trustee’s Sale & Foreclosure Law & Case Law
    • AZ Trustee’s Sale
      • AZ Trustee’s Sale Overview
      • AZ Trustee’s Sale Law & Case Law
      • AZ Trustee’s Sale FAQs
      • AZ Trustee’s Sale Articles & Links
      • AZ Trustee’s Sale & Foreclosure Videos
    • AZ Judicial Foreclosure
      • AZ Judicial Foreclosure Overview
      • AZ Judicial Foreclosure Law & Case Law
      • AZ Judicial Foreclosure FAQs
      • AZ Judicial Foreclosure Articles & Links
    • AZ Real Property Tax Liens
      • AZ Real Property Tax Liens Overview
      • AZ Tax Lien Foreclosure Law & Case Law
      • AZ Real Property Tax Liens FAQs
      • AZ Real Property Tax Liens Articles & Links
    • AZ Eviction – Forcible Entry
      • AZ Eviction Overview
      • AZ Eviction Law & Case Law
      • AZ Eviction FAQs
      • AZ Eviction Articles & Links
      • AZ Eviction Videos (coming soon!)
    • AZ Excess Sale Proceeds
      • AZ Excess Sale Proceeds Overview
      • AZ Excess Sale Proceeds Law
      • AZ Excess Sale Proceeds FAQs
      • AZ Excess Sale Proceeds Articles & Links
    • AZ HOA Foreclosure Law & Case Law
    • AZ Deed in Lieu of Foreclosure
    • Foreclosure and Eviction Video Library (VLOG)
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Category: Consumer Issues

Consumers have protections from their creditors, but consumers also have liability to their creditors. Knowing your rights and obligations is the best way to make informed decisions.

  • Judge Agrees with Creditors Jacoby & Meyers Should be in Bankruptcy

    Published On: May 29, 2014

    Bankruptcy Judge agrees with creditors that Jacoby & Meyers Bankruptcy should be in bankruptcy in order to better protect its creditors. “This is a case that needs to exist,” U.S. Bankruptcy Court Judge Shelley Chapman [...]

  • Creditors Urge Court to Force Jacoby & Meyers Bankruptcy into Chapter 7

    Published On: May 22, 2014

    Creditors want Jacoby & Meyers forced into chapter 7 bankruptcy. According to the Wall Street Journal, May 21, 2014 - creditors of Jacoby & Meyers bankruptcy firm are very unhappy because the dissolved firm is [...]

  • Diane L. Drain

    Diane received AVVO 2014 Top Contributor Award

    Published On: May 21, 2014

    Diane Drain received the Top Contributor Award from AVVO. This award is given to attorneys who answered legal questions asked on AVVO.com Diane L. Drain, bankruptcy attorney, retired law professor, mentor and community spokesperson. [...]

  • bankruptcy

    Richard S. Berry aka Why Pay a Lawyer – indicted by the feds for fraud, bribery

    Published On: May 19, 2014

    In the United States of America vs. Richard Sylvester Berry. (Why Pay a Lawyer) Charges filed allege the business and Richard Berry are in violation of multiple federal laws prohibiting bankruptcy fraud, bankruptcy bribery, and [...]

  • house precariously sitting on jinga blocks

    Arizona Real Estate Investors Lose Anti-Deficiency Protection at end of 2014

    Published On: May 19, 2014

    Arizona anti-Deficiency Law: Since 1971 Arizona law has normally protected the borrower who defaults on a home loan. A lender could foreclose, but could not sue the borrower if the loan was on property 2 [...]

  • Arizona Homeowner’s Association Dues, with some Bankruptcy References

    Published On: March 26, 2014

    Homeowners’ association received special treatment in bankruptcy. Depending on your situation it is possible that both federal and state law comes into play. Do you have a homeowners association?  Do you want to know your [...]

  • HAMP Program – New Defaults Coming as Interest Rises

    Published On: March 13, 2014

    HAMP report indicates that nearly 30 percent of those who qualified for HAMP relief have defaulted again. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they have [...]

  • red, white and black sign - beward crisis ahead

    2005 Changes in Bankruptcy Law a Dismal Failure

    Published On: March 9, 2014

    The Bankruptcy Reform Act of 2005 reported to be a "Dismal failure". The bankruptcy law, approved by Congress in 2005 after years of debate, makes it much harder for households to get out from under [...]

  • Michelle Ugenti’s bill to reduce the rights of disabled to protect their vehicles

    Published On: March 8, 2014

    Arizona Representative Michelle Ugenti, introduced bill which challenges the rights of a disabled person to protect their vehicle. The other day a caller said "I used a document preparer or bankruptcy petition preparer. Certainly they [...]

  • real estate

    FHA’s Back to Work Program for Home Buyers

    Published On: December 27, 2013

    For several years I have been explaining that no one can predict the length of time that FHA, Fannie Mae or HUD, or a specific lender will require a homeowner to wait to qualify for a new home loan after a prior foreclosure, short sale or bankruptcy.

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5 / 5

You literally saved my sanity and helped me get back on track.

You literally saved my sanity and helped me get back on track. D.S. Diane Drain and her paralegal, Jay McClimon were absolutely top-notch and experienced in every respect. She's experienced, kind, and compassionate - 3 qualities you really want in a bankruptcy attorney. I had been feeling [...]

5 / 5

This attorney educates clients

"This attorney educates clients!" Anonymous This attorney educates clients on the bankruptcy process and helps them correctly complete the steps needed to reach the end of the process in a timely manner. She is thorough, professional and compassionate.

5 / 5

saves me a lot of time and money

Saves me a lot of time and money. M.M. Extremely knowledgeable attorney. Very helpful and patient, help me to understand the legal situation I am in which save me a lot of time and money. Thank you, Ms. Drain.

5 / 5

Filing for bankruptcy can be a stressful life event

“Filing for bankruptcy can be a stressful life event” R.A. Filing for bankruptcy can be a stressful life event, and selecting the right attorney can add to this stress. Diane and Jay were a pleasure to work with, and it is obvious that they are passionate about helping people [...]

5 / 5

e were amazed at how accessible Diane was

"We were amazed at how accessible Diane was." Robert We were amazed at how accessible Diane was. Weekdays or weekends at all times of the day it didn’t matter. She was quick to respond to our questions or needs. In short Diane did a great job for us [...]

5 / 5

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 [...]

5 / 5

Diane and Jay were excellent

“Diane and Jay were excellent” R.B. Diane and Jay were excellent. They were very patient with all the questions we had during the process. I would recommend them for anyone who needs help.

5 / 5

We were put at ease throughout the process

"We were put at ease throughout the process" S.L. Diane and Jay made sure we were put at ease throughout the process.

5 / 5

Following her guidance help make the process as smooth as possible

“Following her guidance help make the process as smooth as possible” D.K. Diane is extremely knowledgeable about the whole process. Following her guidance help make the process as smooth as possible. Throughout the process she treated me with the upmost in respect and professionalism. [...]

5 / 5

Your fees are extremely reasonable

"Your fees are extremely reasonable!" N. We cannot thank you enough for helping us through this difficult and embarrassing situation. After our first phone conversation I had no doubt you would be able to help us and that you actually cared about our situation. So many larger firms [...]

5 / 5

If you do your work (make sure everything is accurate) she will do hers and you will have great results

If you do your work (make sure everything is accurate) she will do hers and you will have great results. C & P Diane is a great attorney that made our BK experience as smooth as possible. Before seeing Diane, we went to another attorney who told [...]

5 / 5

Thank you for the good news and for being nothing less than a “stellar” legal representative

"Thank you for the good news and for being nothing less than a “stellar” legal representative" C.M. Diane, Thank you for the good news and for being nothing less than a “stellar” legal representative, a great and understanding sounding board for me during a most difficult and [...]

5 / 5

helps to ensure that your assets are protected

“helps to ensure that your assets are protected” R.B. Diane is very detailed, and although it may be overwhelming it is in your best interest to do EXACTLY what she says to do. Follow her directions, be organized and prepared. This helps to ensure that your assets [...]

5 / 5

They are compassionate truth-tellers who educate and empower

They are compassionate truth-tellers who educate and empower. M.R. Diane and Jay are caring and competent professionals who have helped so many people through difficult legal processes. They are compassionate truth-tellers who educate and empower as much as they provide legal assistance. Highly recommend. [...]

5 / 5

Experienced and excellent. 5.0 stars

"Experienced and excellent. 5.0 stars" M.R. Diane did a tremendous job preparing me for my bankruptcy. She educated me thoroughly about the process and stressed the importance of following all the steps as concisely as possible. Her rates are very reasonable, and I cannot recommend her highly [...]

5 / 5

Diane was patient, thorough, sympathetic, quick with responses and obviously knew what she was doing.

“Diane was patient, thorough, sympathetic, quick with responses and obviously knew what she was doing. ” D.S. I've never had to consult a bankruptcy attorney before but recently had to do just that on behalf of a family member. Although we decided to not go through with [...]

5 / 5

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 [...]

5 / 5

The absolute best Bankruptcy Attorney

"The absolute best Bankruptcy Attorney" W.Z. Diane and Jay were wonderful. I really appreciated their genuine compassion. I hired the absolute best for a fair price. Diane has an absolute mastery of the law and she explains everything in a easy to understand style. She will not [...]

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

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We are a debt relief agency; we help individuals and small businesses through the bankruptcy process. Attorney Advertising. This website is designed for general information only. Any information you obtain from this website should not be construed as legal advice, nor as grounds for forming an attorney-client relationship. You should consult an attorney for information on obtaining formal legal advice.

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Bankruptcy & Foreclosure Attorney servicing the state of Arizona

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