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  • Our Story
    • About Diane L. Drain
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    • 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
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Category: Foreclosure

  • house precariously sitting on jinga blocks

    Unlocking the Secrets of Reverse Mortgages

    Published On: April 18, 2025

    Reverse mortgages can bring both benefits and drawbacks.

  • zombie mortgage

    Zombie Mortgages: A Hidden Threat Reawakening

    Published On: July 10, 2024

    Update: 12/11/24 see article below from National Consumer Law Center, Inc. "NCLC": 15 Ways to Fight Foreclosure of Zombie Second Mortgages Introduction: Zombie mortgages, particularly "zombie second mortgages," are a troubling phenomenon where old, seemingly [...]

  • several options

    What Happens at the End of a COVID Mortgage Forbearance?

    Published On: February 23, 2022

    WHAT HAPPENS AT THE END OF A COVID-19 FORECLOSURE FORBEARANCE? Can servicers demand a large balance? Generally, the servicers should not be demanding full payment following a COVID forbearance. There [...]

  • Mis-information about Forbearance of Home During COVID-19

    Published On: May 16, 2021

    Forbearance of Home Mortgages During COVID-19 Know your options before making a decision not to pay your mortgage 11/18/21 UPDATE – see summary of foreclosure alternatives This chart provides a summary of relief [...]

  • man wearing t-shirt Know your Role

    CFPB Cracking Down on Mortgage Servicers

    Published On: April 3, 2021

    CFPB Cracking Down on Mortgage Servicers Servicers Should Gear Up for Expected Surge in Homeowners Needing Assistance Warning to Mortgage Servicers (April 1, 2021 – reprint from CFPB) The Consumer Financial Protection Bureau [...]

  • foreclosure sign

    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 [...]

  • character holding red stop sign

    The Arizona Statute of Limitations Applicable to Collection Lawsuits and Non-Judicial Trustee’s Foreclosure Sales of Real Property,

    Published On: January 30, 2021

    The Arizona Statute of Limitations Applicable to Collection Lawsuits and Non-Judicial Trustee’s Foreclosure Sales of Real Property, article by Larry O. Folks, Folks Hess, PLLC (1/2021). Excerpts: Can a lender collect upon a promissory [...]

  • Young Couple Forced To Sell Home Through Financial Problems Stan

    Arizona Sheriff’s Sale Process – Collection of Debt

    Published On: October 29, 2020

    Maricopa County, Arizona, Sheriff’s Bidding Requirements at a Sheriff’s Execution Sale of a Judgment Debtor’s “Homestead” Residence By Larry O. Folks • September 2020 (reprinted with permission of author) 10/29/20 [...]

  • lots of question marks above raised hands

    Don’t Gamble With Your Home During COVID

    Published On: October 11, 2020

    There is so much mis-information about a forbearance of home mortgages during COVID-19.  Know your options before making a decision not to pay your mortgage. Are you a 'planner' or a 'gambler'? Do you [...]

  • sign - new life or old life

    Bankruptcy After COVID-19, What Should You Do to Avoid Mistakes?

    Published On: May 9, 2020

    This is a difficult time for everyone – employer, employee, parents, and seniors.  Never decide to do something without understanding the consequences of those innocent actions. We all know it [...]

12Next
5 / 5

My Attorney Was Disbarred, Diane Jumped in to Help.

“Diane has been a G_d send to me. My previous attorney was disbarred and I had a hearing before the Bankruptcy (Judge not the Trustee). Diane jumped in. Attended my court date and has taken care of me from there. . ” M.W. Diane has been a [...]

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 is very compassionate and comforting

"Diane is very compassionate and comforting." Anonymous Diane is very compassionate and comforting. She made a very difficult process much easier for us. Rate Ms. Drain’s services: 5.0 out of 5.0

5 / 5

Her warmth and caring and wealth of experience greatly eased the stress

Her warmth and caring and wealth of experience greatly eased the stress. J.R. One and a half years ago, after a series of physical problems, I finally admitted to myself that I could no longer handle my debt load. I was going under, and knew I would [...]

5 / 5

Thanks for your professional and compassionate treatment

"Thanks for your professional and compassionate treatment." M & B Thanks for your professional and compassionate treatment of B. and myself. It was a pleasure working with you. As you are well aware, this was a very trying and sometimes painful 6 months but you helped us get [...]

5 / 5

From our initial consultation, we were impressed by Diane’s legal knowledge and compassionate nature

“From our initial consultation, we were impressed by Diane's legal knowledge and compassionate nature,” C.R. My elderly parents were experiencing financial difficulty due to dealings with an unscrupulous timeshare company. Their only option was to file bankruptcy. While searching for a bankruptcy attorney, we came across the [...]

5 / 5

she made things so easy to understand

“she made things so easy to understand” J.C. 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 [...]

5 / 5

They helped me feel at ease with the process

“They helped me feel at ease with the process” T.R. Diane and Jay did a fantastic job helping me through the bankruptcy process and making sure I knew what I needed to do and what to expect every step of the way. They were amazing and helped [...]

5 / 5

Experienced and excellent. 5.0 stars

"Experienced and excellent. 5.0 stars" M.R. Diane did a tremendous job preparing me for my bankruptcy. She educated me thoroughly about the process and stressed the importance of following all the steps as concisely as possible. Her rates are very reasonable, and I cannot recommend her highly [...]

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.   [...]

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

Her knowledge and patience are a model that every attorney should follow

“Her knowledge and patience are a model that every attorney should follow” S.H. Diane Drain is one of the most incredible attorneys I’ve ever had the pleasure of knowing. She takes the time necessary with each client to provide expert advice. Her knowledge and patience are a [...]

5 / 5

Absolutely top notch

"Absolutely top notch" D.W. Absolutely top notch.   All my questions were answered.    Would definitely recommend this firm to anyone.

5 / 5

The best professional relationship that I have had with an attorney

"The best professional relationship that I have had with an attorney" M.L. The best professional relationship that I have had with an attorney (I’ve had more than my share of their services!)_I was treated with respect and all things were timely, correct, and according to plan. Thank you [...]

5 / 5

Diane was a the best choice we could have made

"Diane was a the best choice we could have made!" R.D. Diane was a the best choice we could have made when choosing our legal counsel. She is as much a teacher as a lawyer, always patient and willing to answer any questions no matter how small. She was [...]

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

Diane and Jay did an excellent job

"Diane and Jay did an excellent job" S.K. Diane and Jay did an excellent job and my wife and I could not be happier. She was able to help us keep the assets that were important to our family and answered our questions along the way. Very [...]

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 [...]

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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