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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
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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.

  • 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 [...]

  • Upside down house

    You Have a Reverse Mortgage: Know Your Rights and Responsibilities

    Published On: March 9, 2021

    You Have a Reverse Mortgage Know Your Rights and Responsibilities Reverse Mortgage Borrowers Publication from Consumer Financial Protection Bureau “CFPB”.  Reverse mortgages can be a nightmare, leaving your spouse evicted from their home once the [...]

  • With Protections Expiring, Millions are in Danger of Losing Their Home

    Published On: March 8, 2021

    With Protections Expiring, Millions are in Danger of Losing Their Home by: Jann Swanson  Mortgage News Daily, Mar 2 2021, 9:17AM (Reprint for education purposes only) What happens to homeowners [...]

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5 / 5

Her team did a fantastic job taking care of my case

"Her team did a fantastic job taking care of my case" C.C. Diane helped me with my Bankruptcy and it was one the more complicated ones where the trustee asked for quite a bit of information and she and Jay did a fantastic job taking care of [...]

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

Diane was very concerned and compassionate

"Diane was very concerned and compassionate." Anonymous Filing bankruptcy was not an easy decision but Diane made the whole process very easy and understandable. As a client you have a lot of control as to your personal outcome. Be diligent, do the homework, and complete all the information [...]

5 / 5

I suffer from anxiety and was paralyzed by fear. Thank Goodness I found Diane Drain.

“She broke down the process into manageable portions that I could handle.” S.S. I had waited to the eleventh hour to actually contact Diane Drain for help with my Chapter 7 bankruptcy. I suffer from an anxiety issue and was paralyzed by fear. Thank Goodness I was [...]

5 / 5

Simply put, Ms. Diane Drain knows her stuff

"Simply put, Ms. Diane Drain knows her stuff " Glenn Simply put, Ms. Diane Drain knows her stuff and you certainly want somebody of her caliber in your corner when the chips are down. It is a great privilege and a greater comfort to have her in mine. [...]

5 / 5

whole process went very smoothly from beginning to end

"whole process went very smoothly from beginning to end." Anonytmous We filed for chapter 7 bankruptcy and the whole process went very smoothly from beginning to end. This was thanks to Ms. Drain who was caring, professional and committed to making sure that we fully understood the bankruptcy [...]

5 / 5

Diane and Jay were wonderful to work with.

“Diane and Jay were wonderful to work with.” P. Diane and Jay were wonderful to work with. They helped us navigate the bankruptcy process. They were informative and answered all our questions. We highly recommend them! P.

5 / 5

Diane had kind words to comfort despite our horrible circumstances

“Give her a call if you don't know where to turn.... ” B.G. Diane was an exceptionally nice lady and very courteous to my wife and I as we requested help. She had kind words to comfort despite our horrible circumstances. She gave us great advice and [...]

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

caring service

“You folks are the BEST OF THE BEST in Arizona” M.H. "caring service" M.C.

5 / 5

We were treated with the utmost care and respect

"We were treated with the utmost care and respect." A.W. We were very apprehensive and stressed out at the thought of having to go through such a difficult process. From our first meeting with Diane Drain it was clear that we would not have to go through this [...]

5 / 5

very compassionate and explains everything

"very compassionate and explains everything" J & B.S. It was such a pleasure working with Diane through this difficult process. Diane is a wonderful attorney who not only knows the bankruptcy law inside and out, but is very compassionate and explains everything in detail through each step [...]

5 / 5

her greatest goal is her clients best interests

“her greatest goal is her clients best interests” R.M. Diane called me today and kindly took 45 minutes of here very valuable time to determine the best course of action for my financial problems. Turns out bankruptcy and her chance for a legal fee were ruled out [...]

5 / 5

They provide hope and ease throughout a very stressful situation

“They provide hope and ease throughout a very stressful situation” C.G. Diane and Jay provide hope and ease throughout a very stressful situation. Diane is thorough, knowledgeable, experienced and trustworthy. She takes her time with each step ensuring she understands the story. They are both available when [...]

5 / 5

It is a lot of work to prepare, but….we are more prepared for a better future

"It is a lot of work to prepare, but….we are more prepared for a better future" L & A.Q. My wife and I would like to thank Diane and Jay for their hospitality, thoroughness and patience. With the hard decision of wanting to file bankruptcy, they showed [...]

5 / 5

Communication is key when entering into a bankruptcy

“Communication is key when entering into a bankruptcy” K.H. I can’t say enough good things about Diane. The way she handled my not typical circumstances was amazing. I was very nervous to start the bankruptcy process but Diane just has a very comforting way of explaining the [...]

5 / 5

You folks are the BEST OF THE BEST in Arizona

“You folks are the BEST OF THE BEST in Arizona” M.H. You and Jay are the best attorneys I have ever had or needed and thank God for the Honorable Robert Gottsfield in recommending you folks – I would have never made it through the entire process [...]

5 / 5

Free consultation and we are ever so grateful

free consultation and we are ever so grateful. C.M. Diane gave invaluable advice during the free consultation and we are ever so grateful. If and when the time comes to pursue further actions financially, Diane is without-a-doubt the one who will guide us. Thanks again! [...]

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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