LAW OFFICE OF D.L. DRAIN

1702 W. Camelback, Suite 264

 Phoenix, AZ 85015

Phone: 602.246.7106

Fax: 602.249.1969

DDrain@DianeDrain.com

  
   


   
 

 

Articles & Information For Consumers

& Debtors




 

"There is not a more important and fundamental principle in legislation, than that the ways and means ought always to face the public engagements; that our appropriations should ever go hand in hand with our promises. To say that the United States should be answerable for twenty-five millions of dollars without knowing whether the ways and means can be provided, and without knowing whether those who are to succeed us will think with us on the subject, would be rash and unjustifiable. Sir, in my opinion, it would be hazarding the public faith in a manner contrary to every idea of prudence." --James Madison

Bankruptcy is a very complicated interplay of several laws and should not be undertaken without adequate representation.  Do not use document preparers or attorneys who do not practice bankruptcy law full time.  Most bankruptcy lawyers offer free or very low cost initial consultations.

Note to my clients: Many of you begin our initial discussion with an apology for your current financial situation.  Absolutely no apology is necessary!  Read the quote to the left by James Madison, our fourth President (1809-1817).  There has been no financial certainty for anyone, including our government, since the founding of our country.  So how could you guaranty financial certainty in your daily life?  Your situation is affected by circumstances rarely in your control - health, employment, divorce, economy of the Nation, and changes in business policies.  The US Constitution empowered Congress to enact bankruptcy law 1789 to help all citizens receive a fresh start.  The first bankruptcy law was enacted in 1800.  Obviously, this option has been seen as a valuable method to protect our citizens.  So do not apologize to me and anyone else for choosing this legal right. 

◙  Secret History of the Credit Card, Frontline interview with Elizabeth Warren, Prof. Harvard University, expert in bankruptcy
 ◙   What is Pre-Bankruptcy Planning
◙   Bankruptcy Basics
◙   Steps to Filing Bankruptcy
◙   Important Deadlines and Timeline for chapter 7 and 13.
◙   Fair Debt Collection Practices (link to article at www.azlawhelp.org)
 ◙   How to handle harassing creditors
◙   Firm Questionnaire for individuals
◙   Firm Questionnaire for businesses
◙   How to get copies of your credit reports.
◙   IRS - Collection Standards (what is allowed by the IRS)
◙   How to get Information from the IRS.  Includes how to obtain transcripts.
◙   Taxes and Bankruptcy (link to another attorney's website - I make no assertions as to the accuracy of this information)
◙   The Do's and Don'ts of Bouncing Back from Bankruptcy
◙   Status of recent bankruptcy bill pending before Congress
◙   How Do I Survive After Filing a Chapter 7?
◙   Predatory Lending - brochure from the Arizona Attorney General's Office
◙   Consumer Protection Laws

 

DISCLAIMER This site is not intended to be advertising and the Law Office of D.L. Drain, P.A. and the attorneys employed by that firm do not seek to represent anyone in a state where this site may fail to comply with all laws and ethical rules of that state.  The information provided in this web site is for general information purposes only. All the documents, forms and information on these web pages are generic in nature and must not be regarded as legal advice. The law changes periodically and we make no representations that any of the information is accurate. You are not to make any inference from this website that our firm represents you or would be able to represent you; or that the information contained herein applies to your specific circumstances. You must seek legal counsel to ascertain your rights and obligations.
 

 

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