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Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"
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Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"
  • Our Story & Reviews
    • About Diane L. Drain
    • Why Hire Diane?
    • How Can We Help You?
    • Reviews from Clients & Fellow Lawyers
    • Diane’s Honors & Awards
    • 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 Bankruptcy Forms (PDF)
      • 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
    • Bankruptcy Glossary
  • AZ Real Estate
    • AZ Real Estate Overview
    • AZ Real Estate FAQs
    • AZ Real Estate Law
    • AZ Real Estate Articles & Links
    • AZ Real Estate Glossary
  • AZ Foreclosure, Eviction & More
    • AZ Trustee’s Sale & Foreclosure Overview
    • Trustee’s Sale & Foreclosure Law & Case Law
    • AZ Trustee’s Sale
      • AZ Trustee’s Sale Overview
      • AZ Trustee’s Sale Law & Case Law
      • AZ Trustee’s Sale FAQs
      • AZ Trustee’s Sale Articles & Links
      • AZ Trustee’s Sale & Foreclosure Videos
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      • AZ Judicial Foreclosure Overview
      • AZ Judicial Foreclosure Law & Case Law
      • AZ Judicial Foreclosure FAQs
      • AZ Judicial Foreclosure Articles & Links
    • AZ Real Property Tax Liens
      • AZ Real Property Tax Liens Overview
      • AZ Tax Lien Foreclosure Law & Case Law
      • AZ Real Property Tax Liens FAQs
      • AZ Real Property Tax Liens Articles & Links
    • AZ Eviction – Forcible Entry
      • AZ Eviction Overview
      • AZ Eviction Law & Case Law
      • AZ Eviction FAQs
      • AZ Eviction Articles & Links
      • AZ Eviction Videos (coming soon!)
    • AZ Excess Sale Proceeds
      • AZ Excess Sale Proceeds Overview
      • AZ Excess Sale Proceeds Law
      • AZ Excess Sale Proceeds FAQs
      • AZ Excess Sale Proceeds Articles & Links
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    • Foreclosure and Eviction Video Library (VLOG)
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FAQ Categories: 3. During Chapter 7

  • How many times may I file a chapter 7 petition?

    Published On: June 28, 2022

    Normally, 8 years have passed since the last chapter 7 or 11 petition was filed. A chapter 7 discharge is only available to people who have followed the bankruptcy laws. For the next 8 years [...]

  • What should I do if a creditor who was part of the bankruptcy files a lawsuit against me after I’ve been discharged?

    Published On: June 28, 2022

    First, double-check that the debt was included in your bankruptcy. If it wasn’t, you might still have time to include it. Do not disregard the case; else, a default judgment will be entered against you. [...]

  • Can I keep paying part of my bills after declaring bankruptcy?

    Published On: June 28, 2022

    Yes, after filing bankruptcy, you can pay off as many debts as you want or need to. Obviously, you must continue to pay the lender if you want to keep your home and automobile. You [...]

  • What should I do if I change my address?

    Published On: June 28, 2022

    For a year after you receive your discharge, notify your attorney immediately if your address or phone number changes. Make certain that the Court and the Trustee are both aware of your new address. [...]

  • If my utility company’s debt is included in the bankruptcy, may they refuse service?

    Published On: June 28, 2022

    If the Debtor gives a deposit or other security to their utility company immediately after filing bankruptcy to ensure the payment of future services, the utility may not halt service, refuse to serve, or discriminate [...]

  • Is it true that my out-of-state debts will be discharged if I file for bankruptcy?

    Published On: June 28, 2022

    Yes. Bankruptcy is a federal proceeding, and the bankruptcy court has the authority and jurisdiction to discharge debts incurred throughout the United States.

  • Why debts are not discharged in bankruptcy?

    Published On: June 28, 2022

    The law changes and the following may not be accurate. Talk to your attorney. If your discharge in bankruptcy is granted, in most circumstances all of your debts will be discharged except the following [...]

  • How will I receive my bankruptcy discharge?

    Published On: June 28, 2022

    Usually by mail, unless you have asked for electronic notification. In some states there may be a court hearing, which you must attend, where the court will explain the meaning of the discharge, or the [...]

  • What Does Bankruptcy Discharge Mean for You?

    Published On: June 28, 2022

    🔹 Bankruptcy Discharge Definition: A bankruptcy discharge is a court order that prohibits creditors from collecting certain debts from the debtor personally. Key Point: The debt still exists, but the debtor is no [...]

  • What is redemption?

    Published On: June 28, 2022

    In bankruptcy, a debtor can “redeem” secured personal property such as furniture, computers, automobiles, or other items that were bought on credit. To redeem a property means to buy it from the secured lender for [...]

12Next
5 / 5

Diane Helped Me Understand the Process

“She helped me understand why and how certain steps were necessary...” N.G.. I greatly appreciated Diane's thoroughness and ability to explain the process. She helped me understand why and how certain steps were necessary which reassured me that this was the right decision to make and that [...]

5 / 5

genuine service, honest people, and the feeling of your case being prioritized

“If you are in need of genuine service, honest people, and the feeling of having your case prioritized. Come here.”  M.B. "Jay & Diane were absolutly phenomenal handling my case. Diane laid out a detailed step-by-step plan of what to expect. She guided me and my family [...]

5 / 5

You helped me in many ways and I am very grateful

" You helped me in many ways and I am very grateful!" D. I can’t tell you how glad I am that you were our bankruptcy attorney. You helped me in many ways and I am very grateful. Most of all, I appreciate your frankness and honesty. You always [...]

5 / 5

Diane and Jay were excellent

“Diane and Jay were excellent” R.B. Diane and Jay were excellent. They were very patient with all the questions we had during the process. I would recommend them for anyone who needs help.

5 / 5

It is a lot of work to prepare, but….we are more prepared for a better future

"It is a lot of work to prepare, but….we are more prepared for a better future" L & A.Q. My wife and I would like to thank Diane and Jay for their hospitality, thoroughness and patience. With the hard decision of wanting to file bankruptcy, they showed [...]

5 / 5

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 [...]

5 / 5

They are compassionate truth-tellers who educate and empower

They are compassionate truth-tellers who educate and empower. M.R. Diane and Jay are caring and competent professionals who have helped so many people through difficult legal processes. They are compassionate truth-tellers who educate and empower as much as they provide legal assistance. Highly recommend. [...]

5 / 5

Diane has a wealth of knowledge

“Diane has a wealth of knowledge.” S.B. Sharing knowledge "Diane Drain is a wealth of knowledge. She is a great attorney."  S.B.    

5 / 5

Diane is very smart, patient, kind and sincere

Diane has a very calm confidence because she knows the laws inside and out.  L.D. Diane is very smart, patient, kind and sincere. I am a better person for knowing her. I was so nervous to call and start the process but Diane made everything seem easy. [...]

5 / 5

Diane and Jay are extremely attentive and thorough

“Diane and Jay are extremely attentive and thorough.”  W.R. I want to thank you so much for assisting us in getting this squared away. Diane and Jay are extremely attentive and thorough in getting things taken care of. Merry Christmas  W.R. […]

5 / 5

Diane has a very calm confidence because she knows the laws inside and out

Diane has a very calm confidence because she knows the laws inside and out. L.D. Diane is very smart, patient, kind and sincere. I am a better person for knowing her. I was so nervous to call and start the process but Diane made everything seem easy. [...]

5 / 5

Top Notch Representation, Personalized Service

“Top Notch Representation, Personalized Service! ” T.M. Diane Drain personally answers her incoming calls! Every individual has their own specific reasons for seeking bankruptcy protection. I enlisted Ms. Drain's assistance and from that first consult I realized that this was not your typical "legal factory" churning out [...]

5 / 5

Just wanted to share our story so you can share with others that come in

“Just wanted to share our story so you can share with others that come in” K.T. Diane I just wanted to give you an update on us. We filed bk with you representing us about 7 years ago now. Just wanted you to know we are doing [...]

5 / 5

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 [...]

5 / 5

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, [...]

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 and Jay are a wonderful team

"Diane and Jay are a wonderful team!" R & S Diane and Jay are a wonderful team. Efficiency and clarity were the hallmark of our experience.

5 / 5

Assisted in identifying and helping me successfully navigate any pitfalls

Assisted in identifying and helping me successfully navigate any pitfalls. R.G. Diane Drain and Jay provided professional, comprehensive services and support through every step of the bankruptcy process, were always available to answer questions. Diane has developed an extensive array of handouts and email templates that addressed [...]

Law Off of D.L. Drain P.A., Arizona Bankruptcy Lawyer | "Helping You Get Your Life Back on Track"

(602) 246-7106

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Bankruptcy Questions

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