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Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"
  • Our Story & Reviews
    • About Diane L. Drain
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  • Resources
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Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"
  • Our Story & Reviews
    • 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 Bankruptcy Forms (PDF)
      • 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)
  • Resources
    • Law Blog
    • Video Library
  • Contact Us
  • For Lawyers
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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.

  • 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 [...]

  • Diane sitting at her desk

    Diane received 2022 Preeminent Award and Gold Client Champion Award

    Published On: June 13, 2022

    Diane Drain received the 2022 Preeminent Award and Gold Client Champion Award from Martindale-Hubbell. The 2022 AV Preeminent award is given to an "elite group of attorneys who have been rated highly by their peers [...]

  • protect our families

    ARIZONA IS ONE OF 2 STATES THAT WILL TAKE YOUR TAX REFUND IN BANKRUPTCY.  SHOULD THE LAW CHANGE?

    Published On: April 16, 2022

    ARIZONA IS ONE OF 2 STATES THAT WILL TAKE YOUR TAX REFUND IF THIS HAPPENS.  SHOULD THE LAW CHANGE? By RUSS WILES, Arizona Republic (reprinted for educational purposes only) Tens of millions of Americans [...]

  • senior couple surprised by medical bills

    $88 Billion in Medical Bills on Credit Reports

    Published On: March 7, 2022

    CFPB Estimates $88 Billion in Medical Bills on Credit Reports Prepared Remarks of Director Rohit Chopra on New CFPB Medical Debt Report By Rohit Chopra – MAR 01, 2022 [...]

  • 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 [...]

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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

She’s the best!

"She's the best!" P.I. Diane helped me file a bankruptcy. I messed up and continued paying on one credit card. It was because of Diane's expert help that I was refunded my full amount of $1200.

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

I felt completely at ease

" I felt completely at ease." D.A. I was greatly relieved to find an attorney that I felt completely at ease with, confident in her professionalism and her staff; and to find someone I felt I could trust completely.

5 / 5

An expert who gets the job done!

"An expert who gets the job done!" B.R. An expert who gets the job done! We hired Diane Drain to handle a complicated eviction / Lift of Stay on a tenant who filed bankruptcy. Not only did she answer my multitude of questions in a timely manner, [...]

5 / 5

Going thru CH13 was a huge and difficult decision for us

"Going thru CH13 was a huge and difficult decision for us" D.M. Going thru CH13 was a huge and difficult decision for us. Both Diane and Jay were very patient. Took time to explain everything. They were receptive, understanding and helpful thru the entire process. As you [...]

5 / 5

We are grateful for all the kindness and respect they showed us.

“We are grateful for all the kindness and respect they showed us in handling our case to completion. ” T.D. and R.I. Diane and Jay are an absolutely phenomenal professional team. Bankruptcy is not an easy undertaking and there is a lot of paperwork you have to [...]

5 / 5

Diane and Jay are the Best

“Diane told me how to file a complaint against Scott Forrester and ask the State Bar for my money back.” D.B. Diane and Jay have been wonderful to work with, they are really the best. I found them after paying Scott Forrester and finding out he was [...]

5 / 5

She was more interested in my welfare than in charging a fee

She was more interested in my welfare than in charging a fee. L.B. I cannot tell you how grateful I am that Diane Drain took my call. I was desperate and she made me feel that I could sleep through the nite. She explained all my options [...]

5 / 5

ROCKSTARS Diane and Jay!!! I am so happy

“ROCKSTARS Diane and Jay!!! I am so happy ” P.C. ROCKSTARS Diane and Jay!!! I am so happy to work with you again. Within a few months, you got me the BEST results. You did exactly what you said you would do. You went above and beyond [...]

5 / 5

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 [...]

5 / 5

Wonderful attorney

“Wonderful attorney” Anon She helped us with our bk 7 years ago and not only did she do a wonderful job representing us she taught us a few things about money! We are doing great now with great credit scores, a new home and cars all within [...]

5 / 5

Thank you so much for your understanding and help!

"Thank you so much for your understanding and help!!" T. Thank you so much for your assistance with this. It’s nice to see that not everyone treats bankruptcy filers as lepers. I was afraid that filing was going to be a huge and embarrassing hurdle to overcome and [...]

5 / 5

This was a real learning experience!

"This was a real learning experience!" W.S. This was a real learning experience! Every time I met with Diane I learned new things. Each visit I became calmer about the situation because it was a big step in getting my life back in order. The educational experience [...]

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 [...]

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

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 [...]

5 / 5

Highly recommend Diane Drain!

“Highly recommend Diane Drain!” J.P. 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 gone smoother. If [...]

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

(602) 246-7106

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Bankruptcy Questions

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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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