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Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"
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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
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  • Contact Us
  • For Lawyers
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Category: Collection companies & Debt buyers

Anyone who has had or is having financial trouble has experienced the nightmare of the collection companies. Many ignore the law (Fair Debt Collection Practices Act) by calling before 8:00 am or after 9:00 pm, plus numerous other acts done for the sole purpose of bullying the consumer.

  • BANKRUPTCY

    Midwest Recovery Systems Received Millions Collecting Fake Debts

    Published On: January 5, 2021

    The FTC alleged that Midwest Recovery, and owners Brandon M. Tumber, Kenny W. Conway and Joseph H. Smith, collected more than $24 million from consumers on such debts, largely by debt parking. What is "debt [...]

  • Midland Funding sanctioned

    Midland Funding, Encore Capital Group, Asset Acceptance Sued for Violating Consent Order

    Published On: January 3, 2021

    CFPB Sues Encore Capital Group, Midland Funding, Midland Credit Management, and Asset Acceptance Capital Corp for Collecting Debts Beyond Statute of Limitations without disclosing debts were uncollectable, and other illegal [...]

  • couple disgusted by latest homestead bill

    Warning – Debt Collectors ‘Friending’ You on Facebook Make Public Demand for Payment

    Published On: January 2, 2021

    Debt Collectors Can Demand Payment on Facebook Once You ‘Friend’ or ‘Follow’ Them According to an article in PaymentsJournal and the Register debt collectors now have the authority to make [...]

  • scam alert

    Is Someone Trying to Collect On a Debt You Already Paid or is Not Yours?

    Published On: December 9, 2020

    Have you received a demand that you pay a debt you don’t owe, or already paid? Reprint of an article from the Federal Tradc Commission “FTC.gov”, September 29, 2020 Nobody [...]

  • senior couple surprised by medical bills

    Debt Collectors Profit Because of COVID and Want More Money

    Published On: November 2, 2020

    Debt collectors doubled their earnings - all thanks to COVID-19 10/5/20 According to an article in ProPublica, debt collections have made a fortune this year due to the COVID stimulus monies.  Those who really [...]

  • Coronavirus Stimulus Fund on American coins and dollar bill

    Can My Creditors or Bank Take My Stimulus Money?

    Published On: April 18, 2020

    March 27, 2020 a new law (CARES Act) was passed which gave funds to everyone in order to pay basic necessities (such as food, rent, gas).  Congress forgot to protect those funds from your creditors [...]

  • Debt Collector

    Debt Collectors Trick You into Bringing Old Debts Back to Life

    Published On: March 1, 2020

    LAWS THAT PROTECT THE BORROWER—UNTIL THEY DON’T. DEBT COLLECTORS TRICK CONSUMERS INTO BRINGING DEAD DEBTS BACK TO LIFE. There are legal protections for the consumer if a creditor does not take steps to collect a [...]

  • hand throwing two dice, with skulls instead of dots

    Supreme Court – Statute of Limitations under FDCPA

    Published On: December 12, 2019

    Holding: Statute of limitations begins to run when the alleged FDCPA violation occurs, not when the violation is discovered. […]

  • protect our families

    How to Determine Debt Collection Scam

    Published On: November 25, 2019

    Dealing with debt collection issues can be challenging—especially when you’re not sure if the person contacting you is a legitimate debt collector or someone trying to scam you. […]

  • credit score

    How Bankruptcy Helps Your Credit Score

    Published On: November 4, 2019

    COLLECTION COMPANIES AND CREDITOR LIE TO BORROWERS ABOUT THE IMPACT OF BANKRUPTCY ON THEIR CREDIT A creditor has no right to come into your home… For more than three decades I have heard horror stories [...]

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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

Your process and approach are clear, comprehensive, and thoughtful

"Your process and approach are clear, comprehensive, and thoughtful" A.J. Your process and approach are clear, comprehensive, and thoughtful. You treated us with the utmost respect and left no stone unturned in helping us to sort through and make appropriate decisions from our first meeting through the [...]

5 / 5

Made the Bankruptcy process very understandable and helpful

“Made the Bankruptcy process very understandable and helpful” P.H. Diane’s expertise and solid experience and instructions made my entire Bankruptcy process very understandable and helpful! Her guidelines helped tremendously. The entire process would have daunting without her professional help. Anytime I need any professional legal help in [...]

5 / 5

The BEST! – Five Stars

“The BEST! – Five Stars” K. I had filed for Chapter 7 with Diane and it was the easiest most stress free process. My wife and I were considering for months on just what to do since this was my first time filing and we got different [...]

5 / 5

Diane is the resource you need.

"Diane is the resource you need." K.M. If you are reading this; you probably need the services of a bankruptcy attorney and you’re worried and maybe a little frightened of the entire process and it’s impact on your life. Please trust us when we tell you that Diane is [...]

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

Diane was patient in providing clear direction and advice

Diane was patient in providing clear direction and advice. A.T. Mrs. Drain made a very stressful time in my life easier to manage by providing detailed direction through my bankruptcy process. From day one I felt comfortable with Dian and Jay in addition to feeling confident with [...]

5 / 5

Best Experience Ever!

“Best Experience Ever!” C.G. Answered all my questions and very knowledgeable team! Thank you  C.G.    

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

Bankruptcy Changed Our Lives for the Better.

"I'm forever grateful for her help during such a difficult time, and all she did to change our lives for the better." M.M. Years after declaring bankruptcy, I can reflect on how far my wife and I have come financially. I remember the shame and fear that [...]

5 / 5

Diane has many years of experience and is honest and it shows.

“Diane has many years of experience and is honest and it shows...” J.C. To declare Bankruptcy is a both personal and difficult and at time can seem overwhelming , but With Diane and Jay they made the journey as comfortable and easy understanding as possible. with Diane [...]

5 / 5

This has made a huge difference in my life

“This has made a huge difference in my life” D.S. I approached Diane with a large debt problem. Although I was working with a company to pay down the debt, one of the credit card companies decided to sue me. This would have destroyed all my pay-back [...]

5 / 5

Thanks to your guidance and insistence that I take responsibility for my case

I knew what to do and what to expect every step of the way thanks to your guidance and insistence that I take responsibility for my case. I greatly appreciate that! Not to mention, both you and Jay are wonderful people. Thanks so much! "Thanks to your [...]

5 / 5

ou are a caring person, and most understanding

"ou are a caring person, and most understanding!" S & G In our eyes you are all A’s. You helped us so much. We are thankful for you and all your help. You are a caring person, and most understanding. You took time for us at a time [...]

5 / 5

Again, thank you

"Again, thank you." D & J Again, thank you. You made this unpleasant experience very calming and reassuring for both me and my wife.

5 / 5

They eased my troubled mind

“They eased my troubled mind” P.A. My experience with both Diane Drain & Jay have eased my troubled mind! They both were Extra Helpful during this trying time!

5 / 5

Super Kind!

“Super Kind!” Anon She was very professional and stayed in her lane as she knew I had already hired another Attorney. She was kind and made me feel better about my choice that I made. She gave me sound advice, and she didn’t have to do that. [...]

5 / 5

I took your advice and have that old monkey off my back now!

"I took your advice and have that old monkey off my back now!" L.M. I had an old debt surprise me the other day by way of a Summons and Diane was kind enough to give me some solid advice. She is very knowledgeable and I highly [...]

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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