Published On: June 29, 2022
In Chapter 7 FAQ, the means test was discussed. A change in the concept of “disposable income” in Chapter 13 makes things more difficult. §1325(b)(2) Official form B22C is used. The difficulty is that under [...]
Published On: June 29, 2022
For payments paid into the plan, the Trustee serves as the disbursing agent. The Trustee also evaluates the plan and challenges those that do not, in the Trustee’s opinion, fulfill the Bankruptcy Code’s criteria for [...]
Published On: June 29, 2022
According to statistics from the Bankruptcy Court, only around 2% of people who file without a counsel ever succeed in a chapter 13. This figure predates the 2005 Reform Act, which significantly increased the complexity [...]
Published On: June 29, 2022
To file a chapter 13 bankruptcy, you must first: •Before filing complete the Credit Counseling for Consumers Class. •Have sufficient regular income to meet monthly living expenses allowed by the chapter 13 Trustee, as allowed [...]
Published On: June 29, 2022
How does Chapter 13 operate? 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 [...]
Published On: June 29, 2022
Chapter 13 bankruptcy is a repayment plan that protects the debtor from collection actions throughout the repayment period and discharges any unpaid balances of dischargeable debts at the conclusion of the repayment period. The discharge [...]
Diane’s advice was free, generous and to the point
“Diane’s advice was free, generous and to the point” S.I. I have called Diane seeking help with a Real Estate issue. Even though my issue does not fall into her area of focus, she kindly gave advice and recommended someone else. I wish I could hire her, [...]
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 Made the Right Decision in Choosing Diane
“I'm 100% convinced I made the right decision in choosing Diane. ” P.K. I have just received my discharge from the court. It's been a long journey and I can't emphasize how instrumental a role that Diane and Jay played in helping me navigate this journey. In [...]
Diane and Jay were always very positive and consistently receptive in answering and returning phone calls and emails in a timely manner
Diane and Jay were always very positive and consistently receptive in answering and returning phone calls and emails in a timely manner. In summary, they are a class act and able to take a very challenging and difficult process and make it as humane and positive as anyone could. I [...]
Thank you for helping us through such a difficult time
"Thank you for helping us through such a difficult time!" G & S Thank you for helping us through such a difficult time. You patience and expertise was comforting and we knew that we were in very good hands.
She was more interested in my welfare than in charging a fee
She was more interested in my welfare than in charging a fee. L.B. I cannot tell you how grateful I am that Diane Drain took my call. I was desperate and she made me feel that I could sleep through the nite. She explained all my options [...]
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 [...]
We received invaluable expertise, recommendations, and advice throughout our chapter 13
“We received invaluable expertise, recommendations, and advice throughout our chapter 13. ” B.S. "The decision to declare bankruptcy is difficult. The journey through a 5-year Chapter 13 is more difficult. What was NOT difficult was the invaluable expertise, recommendations, and advice throughout that we received from Diane [...]
Nothing short of excellent
"Nothing short of excellent" A.M. Diane – you are nothing short of excellent! From the first hello, how can I help you- to congratulations, your discharge has been entered, you were superb! Patient, understanding, compassionate, kind, considerate, knowledgeable, highly-skilled expert are a few words that come to [...]
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 [...]
Diane and Jay were wonderful to work with.
“Diane and Jay were wonderful to work with.” P. Diane and Jay were wonderful to work with. They helped us navigate the bankruptcy process. They were informative and answered all our questions. We highly recommend them! P.
You allowed me to be human and treated me with dignity
"You allowed me to be human and treated me with dignity." K.M. I know that you are acutely aware of how deeply emotional and draining financial problems are. You took the time to talk with me about our foreclosure and 2nd mortgage. You allowed me to be human [...]
Extremely competent representation and explanations
"Extremely competent representation and explanations!" K.M. 5 Star service and representation from Diane and Jay. Extremely competent representation and explanations of the legal process and how to prepare for the filing. True compassion shown to those going through a very difficult time in their lives. Diane is obviously respected [...]
Experience more comfortable and professional than expected
“Experience more comfortable and professional than expected” D & D.S. Our experience with you as council was so much more comfortable and professional than I expected. You are simply the best. I recommend anyone who has the unfortunate situation of being faced with bankruptcy to seek your [...]
She is an expert in her field and compassionate.
“Quality and compassion. ” S. She is an expert in her field and compassionate. She listens and provides good advice. She will help you resolve difficult circumstances. S.
I couldn’t have done it — wouldn’t have dreamed of even trying — without you and Jay. You’re the very best!
"I couldn't have done it -- wouldn't have dreamed of even trying -- without you and Jay. You're the very best!” D.C. For a review I decided to do something a little different, which is to adapt my last email letter because it illustrates my elation and good [...]
She was very pleasant, knowledgeable and informative
"She was very pleasant, knowledgeable and informative" P.K. I live in Las Vegas and had a legal matter involving bankruptcy. My attorney in Las Vegas informed me that I would need an attorney from Arizona since the claim was filed in Arizona. I knew no one so [...]
I would not hesitate to recommend Mr. Drain to anyone
"I would not hesitate to recommend Mr. Drain to anyone" R. It became necessary for me to file bankruptcy in earlier this year. While I was contemplating that action, I interviewed with several attorneys to determine their attitudes and work habits. In all but one I felt that the [...]
