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CASES (THE FOLLOWING MAY BE OUT OF DATE – CHECK THE COURT’S WEBSITE) Effective February 1, 2017 the United States Bankruptcy Court for the District of Arizona adopted uniform procedures and mandatory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, [...]
Diane, Thank you so much!
"Diane, Thank you so much!" G.S. Diane, Thank you so much! You did a fantastic job and made this complex process so easy to understand. As you know I interviewed a different Attorney first. I’m so happy I choose you! You are by far the most informed person on [...]
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 [...]
I wish all attorneys treated their clients the way that Ms. Drain and Jay treated me
"I wish all attorneys treated their clients the way that Ms. Drain and Jay treated me." Anonymous I asked Ms. Drain to help me with a bankruptcy. When I first called I was scared, afraid to answer my phone and worried that my wages were about to be [...]
We are grateful for all the kindness and respect they showed us.
“We are grateful for all the kindness and respect they showed us in handling our case to completion. ” T.D. and R.I. Diane and Jay are an absolutely phenomenal professional team. Bankruptcy is not an easy undertaking and there is a lot of paperwork you have to [...]
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 [...]
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 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 [...]
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 [...]
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 [...]
Diane made this whole process a lot less scary
"Diane made this whole process a lot less scary" L.S. Diane made this whole process a lot less scary and answered all my questions in a way that made me feel like this really wasn’t the end of the world for me. I would highly recommend her [...]
You relieved deep seated fears for me…
“You relieved deep seated fears for me…” J.M. You made this terribly difficult situation as comfortable for me as possible. You relieved deep seated fears for me and I felt I was very well taken care of and I felt every area was taken care of completely. [...]
My wife and I would highly recommend Diane Drain
"My wife and I would highly recommend Diane Drain." R. 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 pretty painless. Thank [...]
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 [...]
Thank you for your expert care with our bankruptcy case
"Thank you for your expert care with our bankruptcy case." J.L. Both Diane Drain and Jay McClimon at Law Office of D.L. Drain are by the far the most passionate, honest, and hardworking people I have ever met. Thank you again for your expert care with our bankruptcy [...]
ROCKSTARS Diane and Jay!!! I am so happy
“ROCKSTARS Diane and Jay!!! I am so happy ” P.C. ROCKSTARS Diane and Jay!!! I am so happy to work with you again. Within a few months, you got me the BEST results. You did exactly what you said you would do. You went above and beyond [...]
I’m so grateful for all their help during a very stressful time.
“I'm so grateful for all their help during a very stressful time.” P.F. "Diane and Jay helped me tremendously. I highly recommend their services, and I'm so grateful for all their help during a very stressful time." P.F.
It felt like we had some friends who cared about us
It felt like we had some friends who cared about us. S.D. My husband and I wanted to begin the process of starting our bankruptcy, but it’s really scary not knowing who you can trust and who would step up to bat for you. Diane and Jay [...]
My experience was great
"My experience was great" J.H. My experience was great! Diane was very professional and dedicated to helping me with everything I needed. Outstanding! I would recommend her firm to my friends.
