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  • 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
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      • AZ Eviction Videos (coming soon!)
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      • AZ Excess Sale Proceeds Overview
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      • AZ Excess Sale Proceeds FAQs
      • AZ Excess Sale Proceeds Articles & Links
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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.

  • bankruptcy

    Have You Been a Victim of a Financial Scam? Is Bankruptcy an Option?

    Published On: January 23, 2022

    Most of us trust others.  After all, we would not scam someone else, so why would they scam us?  Scams have been around for hundreds of years, but the sophistication [...]

  • block maze

    Bankruptcy and New Arizona Homestead Statutes

    Published On: January 20, 2022

    Bankruptcy Issues After January 1, 2022 Changes in Arizona Homestead Statutes Reprint from Gary Stickell’s website: January 19, 2022 The Arizona Homestead exemption increased from $150,000 to $250,000 as of [...]

  • senior couple surprised by medical bills

    No More Surprise Medical Bills – New Law

    Published On: December 30, 2021

    New Law Prohibits Surprise Medical Bills Reprint from The New York Times, December 30, 2021 For years, millions of Americans with medical emergencies could receive another nasty surprise: a bill [...]

  • greed at Arizona Legislature

    Tools to Help Renters and Landlords Access Federal Assistance

    Published On: July 29, 2021

    CFPB Releases Online Tool Helps Renters and Landlords Access Federal Assistance New resource helps renters and landlords find state and local programs distributing federal rental assistance funds WASHINGTON, D.C. — July 28, 2021: The [...]

  • greed at Arizona Legislature

    Three Arizona Democrats decide that Creditors and Debt Buyers are More Important than Homeowners

    Published On: May 17, 2021

    On January 1, 2022, HB2617 will become the law of Arizona.  Your home is no longer protected from your judgment creditors, which will have a devastating effect on Arizona’s consumers, and those hardest hit [...]

  • greed at Arizona Legislature

    New Law Allows Creditors to Invade Arizona Homestead Protection

    Published On: May 15, 2021

    On January 1, 2022, HB2617 will become the law of Arizona.  Your home is no longer protected from your judgment creditors, which will have a devastating effect on Arizona’s consumers, and especially those hardest [...]

  • FDCPA fair debt collection practices act

    Tenants Can Hold Debt Collectors Accountable for Illegal Evictions

    Published On: May 4, 2021

    CFPB Rule Clarifies Tenants Can Hold Debt Collectors Accountable for Illegal Evictions Bureau Issues Interim Final Rule on Fair Debt Collection Practices Act (reprint April 19, 2021) The Consumer Financial [...]

  • Home sitting in bear trap

    HB2617 is a Trojan Horse – Will Take Away Decades of Protection for Arizona Homeowners

    Published On: April 20, 2021

    Arizona Bill wants Judgment Creditor to get paid before homeowners when house is refinanced (something Arizona law has not allowed since mid 1950s). Concerns about Arizona HB 2617, especially with the amendments: will allow [...]

  • mouse trap with mortgage attached, sitting on stack of 100 dollar bills

    Possible Change in Arizona Homestead Law & Refinancing

    Published On: April 15, 2021

    Are you planning on refinancing your home?  If so, you could lose protections from creditors under bill at Legislature Russ Wiles, Arizona Republic, Arizona Republic Interviews Diane L. Drain about Arizona homestead protection and [...]

  • Coronavirus Stimulus Fund on American coins and dollar bill

    You will not lose your 2021 Stimulus Payments if you File Bankruptcy (Maybe?)

    Published On: March 15, 2021

    You will not lose your 2021 Stimulus Payments If you File Bankruptcy (Maybe?) Protection of Stimulus Payments from a Bankruptcy Trustee The following is from the NCLC Consumer Law Implications of the [...]

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5 / 5

Diane is sincerely interested

Diane is sincerely interested. S.B. We are grateful to Jay for us sound advice and, also, to Diane for answering our messages. Diane is sincerely interested in any questions you may have.

5 / 5

They are experienced and professional

"They are experienced and professional!" M & J Diane and Jay helped my wife and I get past a difficult chapter in our lives. They are experienced and professional. They answered all our questions and gave us excellent advice. We followed there directions from start to finish and the [...]

5 / 5

Diane will clearly and patiently explain to you the most critical information

Diane will clearly and patiently explain to you the most critical information. J.M. If you are considering bankruptcy, make sure you consult with Diane Drain, and learn as much as you can from her website prior to your free consultation. Why? Diane will clearly and patiently explain [...]

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

She was very pleasant, knowledgeable and informative

"She was very pleasant, knowledgeable and informative" P.K. I live in Las Vegas and had a legal matter involving bankruptcy. My attorney in Las Vegas informed me that I would need an attorney from Arizona since the claim was filed in Arizona. I knew no one so [...]

5 / 5

Experience more comfortable and professional than expected

“Experience more comfortable and professional than expected” D & D.S. Our experience with you as council was so much more comfortable and professional than I expected. You are simply the best. I recommend anyone who has the unfortunate situation of being faced with bankruptcy to seek your [...]

5 / 5

Diane and Jay were amazing!

“Amazing Experience” 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

Diane, Thank you so much!

"Diane, Thank you so much!" G.S. Diane, Thank you so much! You did a fantastic job and made this complex process so easy to understand. As you know I interviewed a different Attorney first. I’m so happy I choose you! You are by far the most informed person on [...]

5 / 5

What a huge relief to be released from the financial burden

“If you follow everything she says the process is easy and stress free.” J.E. Don’t hesitate, call Diane! Diane has been a huge lifesaver! I reached out to Diane through a Google search when the existing law firm I had started with wasn’t communicating with me. She [...]

5 / 5

OTHER REVIEWS – “She took her time to answer questions, even on a Sunday.”

“ She took her time to answer every single one of my questions and guided me how to go about resolving my issue” Mauro Rodriguez I just want to thank Diane for such professionalism, knowledge, and for being so patient and attentive. I called on a Sunday [...]

5 / 5

Thank you so much for your help

"Thank you so much for your help." S. Thank you so much for your help. I feel very good about my decision and I’m so very glad I chose you to represent me.

5 / 5

Diane and Jay were both very helpful and promptly answered questions that came up

"Diane and Jay were both very helpful and promptly answered questions that came up" N.F. Diane and Jay were both very helpful and promptly answered questions that came up either via return phone call, email or both. They both were very knowledgeable about the whole process and [...]

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

You were wonderful

"You were wonderful!!" L. You were wonderful – Thank you so much. I am so glad that my son went to your seminar and found you.

5 / 5

I was in financial turmoil for various reasons and was running scared

"I was in financial turmoil for various reasons and was running scared" G.S. Five years ago, I was in financial term oil for various reasons and was running scared. I did not know what to do or how how was going to get out of the mess [...]

5 / 5

Diane and Jay are very knowledgeable, and they guided me from beginning to end.

“Diane and Jay are very knowledgeable, and they guided me from beginning to end.” M.M. Diane and Jay are very knowledgeable, and they guided me from beginning to end. They were so organized, that each step was calculated. They are very nice, compassionate and professional. Thank you, [...]

5 / 5

My experience was great

"My experience was great" J.H. My experience was great! Diane was very professional and dedicated to helping me with everything I needed. Outstanding! I would recommend her firm to my friends.

5 / 5

she is the last person to quit, and the first person to help

“she is the last person to quit, and the first person to help” Beits Livneh, Legal Technology Solutions Diane is a first CUSTOMER that I’m leaving a review for… As her IT consultant, Diane proves to us weekly that she is a capable, responsible, honest and hard working woman! [...]

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

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