In Arizona, persons who pursue their chapter 13 case without an attorney have a failure rate of at least 98 percent.
Petition, Schedules, Statements of Affairs, and other documents are filed with the Bankruptcy Court by the debtors. The Chapter 13 Trustee and other creditors examine these documents. The Debtors also file a Plan of Reorganization in addition to the documents. The plan is for the Debtors to pay all of their disposable income (income minus allowed expenses-some trustees have expense guidelines and Census Bureau and IRS data) to their creditors through the Bankruptcy Trustee over the next 3 to 5 years. Unless their debts are non-dischargeable, their remaining debts will be discharged at the end of their Plan period.
Chapter 13 varies greatly from district to district, based on local customs and opinions regarding what is “fair” and in “good faith” as determined by trustees and judges. A successful Chapter 13 case always requires the assistance of an experienced bankruptcy attorney who is knowledgeable with the district’s prevailing court attitudes as well as the plethora of unwritten local norms.
Diane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.
*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*
5 / 5
“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 without you and Jay and God Bless you both always and stay in touch as well. You folks are the BEST OF THE BEST in Arizona.
5 / 5
“My only regret is that I didn’t find Diane sooner.” 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 whole process. My only regret is that I didn’t find Diane sooner. If you find yourself in a financial situation that you can’t correct on your own, please Call Diane Drain as soon as possible.
5 / 5
“Filing for bankruptcy can be a stressful life event” R.A.
Filing for bankruptcy can be a stressful life event, and selecting the right attorney can add to this stress. Diane and Jay were a pleasure to work with, and it is obvious that they are passionate about helping people get their life back on track. I would highly recommend them if you need a bankruptcy attorney.
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.