Published On: June 29, 2022
The majority of the time, the answer is no. You can choose to use a plan payment arrangement in which your employer pays the trustee directly. That is something that most of my clients do [...]
Published On: June 29, 2022
I highly recommend browsing the articles I have written in my blog. Visit the link below to read the reasons why and how Chapter 13 may fail. Dain's Law Blog
Published On: June 29, 2022
Time Periods and Deadlines in Chapter 7 and 13 Bankruptcy Cases In both Chapter 7 and Chapter 13 bankruptcy, there are specific time limits and deadlines that you need to be aware of. These deadlines [...]
Published On: June 29, 2022
No. Bankruptcy is a civil process, not a criminal one. By declaring bankruptcy, you do not give up any of your civil or constitutional rights. Furthermore, you cannot be discriminated against by a utility, a [...]
Published On: June 29, 2022
When you file for bankruptcy, your papers become public record. Some credit-reporting companies may make a public record of your filing. In addition, your name will be published in at least one Arizona newspaper, if [...]
Published On: June 29, 2022
When you file for bankruptcy, your credit rating will most likely drop to 480, but every circumstance is different. A chapter 13 bankruptcy is a three to five-year open bankruptcy. Your credit score can improve [...]
Published On: June 29, 2022
In most Chapter 13 cases, attorneys’ fees are paid in part before the case is filed, with the outstanding balance, if any, paid by the Trustee from the debtor’s payments into the plan. Attorneys [...]
Published On: June 29, 2022
If you have non-exempt assets in your case, you must pay the fair market value of such assets through your Chapter 13 Plan. To put it another way, your creditors are entitled to the amount [...]
Published On: June 29, 2022
CASES (THE FOLLOWING MAY BE OUT OF DATE – CHECK THE COURT’S WEBSITE) Effective February 1, 2017 the United States Bankruptcy Court for the District of Arizona adopted uniform procedures and mandatory forms for its Mortgage Modification [...]
Published On: June 29, 2022
The filing of the bankruptcy results in an automatic stay of all collection actions under 11 U.S.C. 362. Unless the Debtor has filed a prior bankruptcy within the previous 12 months, 11 U.S.C. 301, 302, [...]
e were amazed at how accessible Diane was
"We were amazed at how accessible Diane was." Robert We were amazed at how accessible Diane was. Weekdays or weekends at all times of the day it didn’t matter. She was quick to respond to our questions or needs. In short Diane did a great job for us [...]
I never felt ashamed about my decision because you were so kind to me
"I never felt ashamed about my decision because you were so kind to me!" E.B. *I never felt ashamed about my decision because you were so kind to me about my situation. I thank you for you kindness and compassion as I struggled with my decision. I [...]
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 [...]
Diane understands that a simple mistake could cost you in many ways
Diane understands that a simple mistake could cost you in many ways. J.D. After choosing to file bankruptcy, I selected another attorney at first, which was a huge mistake. He offered payment plans which seemed to be a good choice at the time. However, his lack of [...]
Her knowledge and ability to ask the right questions enabled myself to have a plan of action
Her knowledge and ability to ask the right questions enabled myself to have a plan of action. L.G. I can’t begin to adequately express how professional, caring and dialed in Ms. Drain was when I consulted with her. Her knowledge and ability to ask the right questions enabled myself [...]
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 [...]
I really felt I could trust you
"I really felt I could trust you!" Excess Sales Proceeds, P. EXCESS SALE PROCEEDS: P. and I would like to thank you both, especially you Jay, for all the work you did in obtaining our Excess Funds check today. You somehow managed to get this done between January [...]
Thank you so much for your understanding and help!
"Thank you so much for your understanding and help!!" T. Thank you so much for your assistance with this. It’s nice to see that not everyone treats bankruptcy filers as lepers. I was afraid that filing was going to be a huge and embarrassing hurdle to overcome and [...]
Diane was patient, thorough, sympathetic, quick with responses and obviously knew what she was doing.
“Diane was patient, thorough, sympathetic, quick with responses and obviously knew what she was doing. ” D.S. I've never had to consult a bankruptcy attorney before but recently had to do just that on behalf of a family member. Although we decided to not go through with [...]
Diane helped guide me through the bankruptcy every step of the way, with a very calm demeanor
Diane helped guide me through the bankruptcy every step of the way, with a very calm demeanor. D.W. If you have to file bankruptcy, I recommend you hire Diane Drain. After speaking to 3 other bankruptcy attorneys before Diane, I believe I know the difference between a knowledgeable, professional, [...]
Diane and Jay are very knowledgeable, and they guided me from beginning to end.
“Diane and Jay are very knowledgeable, and they guided me from beginning to end.” M.M. Diane and Jay are very knowledgeable, and they guided me from beginning to end. They were so organized, that each step was calculated. They are very nice, compassionate and professional. Thank you, [...]
Mrs. Drain is very direct and clear
"Mrs. Drain is very direct and clear." Anonymous When my wife and I first considered bankruptcy we contacted one of the TV advertised law firms that specializes in bankruptcy law. On our appointment we met a group of the most inept people I have ever met. It was exactly [...]
Following her guidance help make the process as smooth as possible
“Following her guidance help make the process as smooth as possible” D.K. Diane is extremely knowledgeable about the whole process. Following her guidance help make the process as smooth as possible. Throughout the process she treated me with the upmost in respect and professionalism. [...]
I do not know what I would have done if I had not found you
"I do not know what I would have done if I had not found you." S. Diane – thank you very much for all of your help. I do not know what I would have done if I had not found you. Every other attorney I talked to [...]
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 [...]
She knows the ins and outs
"She knows the ins and outs" M.D. I’ve been in the legal field for over 25 years (as a legal secretary and paralegal) and Diane is a top notch attorney. She knows the ins and outs of this area of law and does a really great job of explaining [...]
Her expertise and guidance are unsurpassed
“Her expertise and guidance are unsurpassed” P.H. Diane and Jay are an impeccable professional team! She explains everything you need to know and puts your heart and mind at ease with her compassion and understanding throughout the filing process. Her expertise and guidance are unsurpassed! [...]
Bankruptcy is not in anyone’s long term plans and was something my wife and I never really considered for years as we slowly drowned in debt
Bankruptcy is not in anyone’s long term plans and was something my wife and I never really considered for years as we slowly drowned in debt. B.K. Bankruptcy is not in anyone’s long term plans and was something my wife and I never really considered for years [...]
