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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: Payday and other usury loans

Payday loans, title loans and other usury loans. A discussion about greed, abuse and general human corruption.

  • couple being chased by financial problems.

    Financial Decisions Have Consequences: Slow Down Before You Act

    Published On: May 25, 2026

    Debt Decisions Have Consequences: Slow Down Before You Act When money is tight, fear can take over. You feel as if a debt storm has caught you. People may feel pressured to make fast decisions: [...]

  • couple surrounded by financial problems.

    When the Economy Feels Unstable: How to Protect Yourself Before Debt Takes Over

    Published On: May 25, 2026

    When the Economy Feels Unstable: How to Protect Yourself From Debt in an Unstable Economy Many families feel squeezed right now. Prices remain high, borrowing money is expensive, and many people are using credit cards [...]

  • Man trapped by payday loan and overdraft bank fees

    Abusive Payday Loans and Bank Overdrafts

    Published On: April 27, 2025

    New Rule to Protect Borrowers from Repeated Overdraft Bank Fees and Payday Loans On March 30, 2025, a new rule from the Consumer Financial Protection Bureau (CFPB) started. It helps people who take out payday [...]

  • Money under the table

    Ultra-wealthy benefit when consumer protections disappear

    Published On: February 23, 2025

    The National Consumer Law Center (NCLC) is warning that the Trump Administration's actions to shut down the Consumer Financial Protection Bureau (CFPB) will devastate working families, honest businesses, and the economy. "Millionaires and billionaires are [...]

  • 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 [...]

  • defraud, corruption sign

    Stopping Unlawful Debt Collection Practices, CFPB 2020 Report

    Published On: March 22, 2021

    CFPB Submits 2020 Report  to Congress on the Administration of the Fair Debt Collection Practices Act Report highlights commitment to protect consumers during the COVID-19 Pandemic The Consumer Financial Protection Bureau (CFPB) released the [...]

  • Defraud Tag Cloud

    Millions Are Hounded for Debt They Don’t Owe

    Published On: March 1, 2021

    A powerful story from one man who refused to be bullied to one of the devious debt collectors: Millions Are Hounded for Debt They Don’t Owe. One Victim Fought Back, With a Vengeance Article [...]

  • scam letters on keyboard

    FTC Bans Payday Lenders: Harvest Moon, Gentle Breeze and Green Stream. Forgives Illegal Debt

    Published On: February 15, 2021

    FTC Bans Payday Lender and Forgive Illegal Debt –  Lead Express, Inc.; Camel Coins, Inc.; Sea Mirror, Inc,; Naito Corp.; Kotobuki Marketing, Inc.; Ebisu Marketing, Inc.; Hotei Marketing, Inc.; and [...]

  • 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 [...]

12Next
5 / 5

There were no demons or dragons. It my constitutional right to be free of debt

There were no demons or dragons. It my constitutional right to be free of debt. V.M. I first met Diane in 2009. I was losing control of my finances and therefore my whole life seemed a day to day mix of anxiety and fear. I landed on [...]

5 / 5

Diane and Jay are caring professionals providing exemplary representation

“I found the Law Office of D.L. Drain to be caring professionals providing exemplary representation…”  R.B. Disability and subsequent early retirement caused a growing realization of the need to pursue bankruptcy. I started the process of selecting an attorney with fear and trepidation. [...]

5 / 5

My wife and I would highly recommend this lawyer!

"My wife and I would highly recommend Diane Drain" B & D My wife and I would highly recommend Diane Drain to any one who is considering bankruptcy. She handled our case professionally and in a very timely manner. Diane and her team made a long, frustrating process [...]

5 / 5

Diane Drain and her staff have guided us through the rough terrain of a bankruptcy

"Diane Drain and her staff have guided us through the rough terrain of a bankruptcy" Anonymous Diane Drain and her staff have guided us through the rough terrain of a bankruptcy. From the beginning of this process,to an end that is quite near, Ms. Drain has provided [...]

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

It was clear she cared and was committed to helping people

"It was clear she cared and was committed to helping people." Posted on AVVO Anonymous  When I made my decision to file for bankruptcy I did some research. I went through a link on the U.S. court website and read a lot online. Referrals from the court website [...]

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

You were the main catalyst that made a very emotionally draining time very bearable

"You were the main catalyst that made a very emotionally draining time very bearable." M & B Just a quick note to say Thank You! We received our discharge paperwork this week and it has been a huge burden lifted off of our shoulders. I want to thank [...]

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

We are very happy we were referred to Diane for assistance

"We are very happy we were referred to Diane for assistance." S.G. Diane helped my husband and me get past a difficult chapter in our lives. She answered all our questions and gave us excellent advice. We followed her directions from start to finish and the process went [...]

5 / 5

To file bk was a very hard decision to have to make

"To file bk was a very hard decision to have to make" A.C. To file bk was a very hard decision to have to make. I felt like a failure. In my early 20’s my husband and I bought a home and financed it using an arm [...]

5 / 5

I input the information online and then received timely help from her office when needed.

"I input the information online and then received timely help from her office when needed.." L.H. “When I was looking for a bankruptcy attorney, I visited four large and small firms. Diane Drain was the most informative. I appreciated her very educational website and was prepared with questions when [...]

5 / 5

There will never be a way to repay all you did for us

"There will never be a way to repay all you did for us." J & P I thought lawyers were all greedy. You made sure we could afford your fees which allowed us to keep our car. There will never be a way to repay all you did [...]

5 / 5

Diane and Jay helped out a family member file a bankruptcy.

"Some firms make you feel like a number and just want you to do the bankruptcy that benefits them more. Not Diane." S.E. Diane and Jay helped out a family member file a bankruptcy. They were very easy to work with during a their difficult time. Compassionate and [...]

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

You made sure we could afford your fees

"You made sure we could afford your fees." J & P I thought lawyers were all greedy. You made sure we could afford your fees which allowed us to keep our car. There will never be a way to repay all you did for us. [...]

5 / 5

thank you for all of your help

"thank you for all of your help" C.S. As difficult as this entire process was emotionally and physically bringing everything together my experience with you has been amazing and much easier than I thought it would be thank you for all of your help. [...]

5 / 5

Diane – you were nice and caring.

“You were very nice and caring. ” R.G. I cannot thank you enough Diane for taking the time to speak with me. Your website has so much information and very helpful. You were very nice and caring. Appreciate you!  R.G.   [...]

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

(602) 246-7106

Contact Us

Helpful Quick Links

  • Bankruptcy Help For Individuals
  • Bankruptcy Help For Business
  • Arizona Exemptions (download)
  • Arizona Anti-Deficiency (download)
  • Reviews From Clients & Lawyers

Bankruptcy Questions

  • What is bankruptcy?
  • What is Chapter 7?
  • What is Chapter 13?
  • What is small business bankruptcy?
  • What are the Types of Bankruptcies?

Resources

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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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