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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
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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
    • AZ Judicial Foreclosure
      • 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
    • AZ HOA Foreclosure Law & Case Law
    • AZ Deed in Lieu of Foreclosure
    • Foreclosure and Eviction Video Library (VLOG)
  • Resources
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  • Contact Us
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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

She is like your favorite professor who just happens to be a spitfire attorney and advocate for understanding, support, kindness and knowledge.

“She is like your favorite professor who just happens to be a spitfire attorney and advocate for understanding, support, kindness and knowledge.” N.B. I can't describe in a short review how much Diane and her team changed my life. I'm not being dramatic or cheesey. I had [...]

5 / 5

To file bk was a very hard decision to have to make

"To file bk was a very hard decision to have to make" A.C. To file bk was a very hard decision to have to make. I felt like a failure. In my early 20’s my husband and I bought a home and financed it using an arm [...]

5 / 5

caring service

“You folks are the BEST OF THE BEST in Arizona” M.H. "caring service" M.C.

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

Filing for bankruptcy Is not the end of the world

“No one wants to go through bankruptcy. But if you do find yourself in that position, it's not the end of the world. ” L.A. If you find yourself in the situation where you have to go through bankruptcy proceedings, there is no better persons that Diane [...]

5 / 5

I can not imagine being treated with more professionalism

"I can not imagine being treated with more professionalism!" S. I want to express my appreciation to you and your assistant Jay for all your hard work. I can not imagine being treated with more professionalism and respect that you did. Going to the entire bankruptcy process [...]

5 / 5

I feel better mentally and physically, just like you said I would

"I feel better mentally and physically, just like you said I would!" M. Thank you once again for your incredible knowledge and persistence with these people. Ever since we have done the filing, I feel better mentally and physically, just like you said I would. [...]

5 / 5

We were extremely pleased

"We were extremely pleased!" Anonymous We were extremely pleased with the quality and level of support you and Jay provided. We had shopped around a bit before contacting you and once we did the comparison with other attorneys and bankruptcy “mills” was extremely and significantly positive. [...]

5 / 5

Best Experience Ever!

“Best Experience Ever!” C.G. Answered all my questions and very knowledgeable team! Thank you  C.G.    

5 / 5

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 [...]

5 / 5

Any questions we had were answered quickly.

“Any questions we had were answered quickly. ” L. C. Diane and Jay have been wonderful through this whole experience. I don’t know what we would’ve done without them. Any questions we had were answered quickly. I would highly recommend their law firm if you’re looking for [...]

5 / 5

Again, thank you

"Again, thank you." D & J Again, thank you. You made this unpleasant experience very calming and reassuring for both me and my wife.

5 / 5

Efficient and Effective

"efficient and effective" Anonymous Diane was efficient and effective in handling my case. She has made herself available whenever a question arose. Her interface with the trustee allowed me sufficient time to allow an expedited discharge. Her office has provided an open door for any future issues [...]

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 [...]

5 / 5

They helped me feel at ease with the process

“They helped me feel at ease with the process” T.R. Diane and Jay did a fantastic job helping me through the bankruptcy process and making sure I knew what I needed to do and what to expect every step of the way. They were amazing and helped [...]

5 / 5

You made sure we could afford your fees

"You made sure we could afford your fees." J & P I thought lawyers were all greedy. You made sure we could afford your fees which allowed us to keep our car. There will never be a way to repay all you did for us. [...]

5 / 5

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.

5 / 5

Best Bankruptcy Attorney in Phoenix!

“Best Bankruptcy Attorney in Phoenix!” Anon It was such a pleasure working with Diane through this difficult process. Diane is a wonderful attorney who not only knows the bankruptcy law inside and out, but is very compassionate and explains everything in detail through each step of the [...]

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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