Diane Drain

Usury – historical references and bankruptcy

Diane Drain

Usury – historical references and bankruptcy. USURY can be traced back 4,000 years. It has always been despised, condemned, restricted or banned by moral, ethical, legal or religious entities.

She Took the Time to Help Me Find Someone

Diane Drain

“ The Kind of Attorney You Want on Your Side… ” A.V. Diane Drain is an amazing person. She is the kind of attorney you want on your side and comes highly recommended by other attorney’s.


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Busting myths about bankruptcy and private student loans

Diane Drain

Education Loans Can Be Discharged in Bankruptcy. Busting myths about bankruptcy and private student loans. By Robert G. Cameron – APR 12, 2022 (Reprint from Consumer Financial Protection Bureau “www.CFPB.gov” The following is an excerpt from Mr. Cameron’s article.).


Diane Drain


A Master's Guide to B2B: How Listening to Your Customers Can Grow Your Business

Speaker: Adam Dorfman, Head of Product Growth at Reputation & Michele Bettinazzi, Customer Experience Manager at PeakMade Real Estate

Improved marketing conversion, happy customers, and faster growth - that’s only three things that can be accomplished by just listening to your customers. Customer feedback is an extremely invaluable tool to keeping retention high, attracting new business, and improving the general operations of your business. The question is - how do you capture all this? Join Adam Dorfman, Head of Product Growth at Reputation & Michele Bettinazzi, Customer Experience Manager at PeakMade Real Estate, for this essential discussion on the ins and outs of brokering the optimal customer interaction.

$88 Billion in Medical Bills on Credit Reports

Diane Drain

CFPB Estimates $88 Billion in Medical Bills on Credit Reports Prepared Remarks of Director Rohit Chopra on New CFPB Medical Debt Report. By Rohit Chopra – MAR 01, 2022 (reprint). “Good morning. Today, the CFPB released a report on medical billing and collection practices in our country.

Forgive Us Our Debts

Diane Drain

RELIGION AND BANKRUPTCY. Bankruptcy has its roots in religion. No one should avoid dealing with debt because of misunderstandings about religious or ethical considerations. It is NOT shameful to seek relief from crushing debt! …Forgive Us Our Debts… by O. Max Gardner, Attorney at Law.

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Medical Debt Purchased by Debt Buyers for Pennies on the Dollar, but Sue For the Full Amount

Diane Drain

Dirty Little Secret – medical bills are the highest they have ever been and debtor buyers are paying pennies on the dollar to purchase the debts, but then sue the borrower for the full amount of the debt. Article Yahoo!Finance, Finance, Adriana Belmone, June 21, 2021. Medical debt is the no.

Tools to Help Renters and Landlords Access Federal Assistance

Diane Drain

CFPB Releases Online Tool to Help Renters and Landlords Access Federal Assistance. New resource helps renters and landlords find state and local programs distributing federal rental assistance funds. WASHINGTON, D.C.

HB2617 is a Trojan Horse – Will Take Away Decades of Protection for Arizona Homeowners

Diane Drain

Arizona Bill wants Judgment Creditor to get paid before homeowners when house is refinanced (something Arizona law has not allowed since mid 1950s). Concerns about Arizona HB 2617, especially with the amendments: will allow old and new judgments to attached to homesteads.

Negative Reviews & Online Feedback Happens - But Where Do You Go From Here?

Speaker: Adam Dorfman, Head of Product Growth at Reputation and Jeremy Shubitz, Director of Marketing at Bosley

Responding to online negative feedback can be challenging. What should you say? What should you not say? Should you even respond? In today's, your customers will be not only your biggest advocates but also your biggest critics. However, negative feedback can offer actionable insights to build a stronger product and customer experience.

Possible Change in Arizona Homestead Law & Refinancing

Diane Drain

Are you planning on refinancing your home? If so, you could lose protections from creditors under bill at Legislature. Russ Wiles, Arizona Republic, Arizona Republic Interviews Diane L. Drain about Arizona homestead protection and exposure to creditors. Pub li shed 6 : 1 3 p. M T A p r. 1 3, 2021.

With Protections Expiring, Millions are in Danger of Losing Their Home

Diane Drain

With Protections Expiring, Millions are in Danger of Losing Their Home. by: Jann Swanson Mortgage News Daily, Mar 2 2021, 9:17AM (Reprint for education purposes only). What happens to homeowners and landlords when the federal, state, and local protections put in place during the pandemic go away?

New Law Allows Creditors to Invade Arizona Homestead Protection

Diane Drain

On January 1, 2022, HB2617 will become the law of Arizona. Your home is no longer protected from your judgment creditors, which will have a devastating effect on Arizona’s consumers, and those hardest hit by Covid-19.

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Student Advocates Team and others Falsely Promised Services – Now Banned

Diane Drain

Operators of Student Loan Debt Relief Scheme Banned From Providing Debt Relief Services as Part of Settlement with FTC.

Recovering from a Cyber Attack

Speaker: Mike Cramer, Director of HIPAA & Data Security at The Word & Brown Companies

If your organization stores data and is connected to the Internet, it is not a matter of “if” a cyber-security incident will happen; but rather, “when” this will occur. Organizations protecting their data is no longer “recommended;” it’s necessary.

Paycheck Protection Program – New Funds Available

Diane Drain

Discover Bank and The Student Loan Corporation to Refund Millions to Consumers

Diane Drain

CFPB Settles with Discover Bank, the Student Loan Corporation and Discover Products for violating a consent order and other unlawful practices.

Bankruptcy, Explained by John Oliver

Diane Drain

There is so much mis-information about bankruptcy and how it works, or does not work.

Problems Paying Your Mortgage During COVID? – Check Out the Options

Diane Drain

Are you financially stressed right now? What to know about options, from debt negotiation to bankruptcy. This short video from the Consumer Financial Protection Bureau “CFPB” is actually very informative and goes over the various options for homeowners who have received a forbearance.

Dominate Your Local Market With These 4 Reputation Management Strategies

Speaker: Adam Dorfman, Lindsay Harrison, and Erin O'Brien

Did you know that 4 out of 5 consumers use local search and 88% use smartphones for those searches? With that in mind, I think it's safe to say your online presence is the silver bullet of your business. Think about the revenue you could be missing by not prioritizing local search optimization. Fortunately, there are a handful of steps you can take right now that will immediately impact your business's pace in local search, and we're happy to share them.

Will You Lose Your COVID-19 Relief Funds?

Diane Drain

Will you lose your COVID-19 stimulus money if you file for bankruptcy protection? Simple answer is no. Read below. “Recovery rebates” (“stimulus monies”) received as a result of either the CARES Act or CAA are NOT PROPERTY OF THE BANKRUPTCY ESTATE.

Is Someone Trying to Collect On a Debt You Already Paid or is Not Yours?

Diane Drain

Have you received a demand that you pay a debt you don’t owe, or already paid? Reprint of an article from the Federal Tradc Commission “FTC.gov”, September 29, 2020. Nobody likes getting debt collection calls.

Even if You Are in Prison – File Required Bankruptcy Documents or Your Case Will Be Dismissed.

Diane Drain

In prison? If You Are Going to File Bankruptcy, You Must Follow the Rules – No Exception. In re Harrell , BAP No. EC-20-1091-BTL (9th Cir BAP, 3-20-21) Harrell is incarcerated at Folsom State Prison in California. He filed a “skeletal” chapter 7 bankruptcy case on March 2, 2020.

Debt Collectors Profit Because of COVID and Want More Money

Diane Drain

Debt collectors doubled their earnings – all thanks to COVID-19. 10/5/20 According to an article in ProPublica, debt collections have made a fortune this year due to the COVID stimulus monies.

A CHRO’s Perspective on Substance Use in the Workplace: Supportive Strategies to Help Your Workforce Thrive

Speaker: Smita Das, MD, PhD, MPH, Medical Director, Psychiatry and Naj Wright, MBA, C-Suite HR Executive

Through advances in technology and access to care, managers can be empowered to serve as the front line of defense to help identify employee AUD and SUD concerns before they escalate. Understanding AUD and SUD, and providing tools for your workforce to overcome the challenges that they pose, is key to fostering strong mental health at work. Join us for this important how-to discussion.

Arizona Sheriff’s Sale Process – Collection of Debt

Diane Drain

Maricopa County, Arizona, Sheriff’s Bidding Requirements at a Sheriff’s Execution Sale of a Judgment Debtor’s “Homestead” Residence. By Larry O. Folks • September 2020 (reprinted with permission of author) 10/29/20. Relevant Background Facts.

What Happens at the End of a COVID Mortgage Forbearance?

Diane Drain

WHAT HAPPENS AT THE END OF A COVID-19 FORECLOSURE FORBEARANCE? Can servicers demand a large balance? Generally, the servicers should not be demanding full payment following a COVID forbearance. There are a number of loss mitigation options for people coming out of a COVID forbearance.

Don’t Fall Into a Student Loan Relief Scam.

Diane Drain

The following is a warning from the Federal Trade Commission regarding scams you may receive about your student loans. Read the warning and watch the very short video. October 13, 2020, by Traci Armani, Consumer Education Specialist, Division of Consumer & Business Education, FTC.

Bankruptcy and New Arizona Homestead Statutes

Diane Drain

Bankruptcy Issues After January 1, 2022 Changes in Arizona Homestead Statutes. Reprint from Gary Stickell’ s website: January 19, 2022. The Arizona Homestead exemption increased from $150,000 to $250,000 as of January 1, 2022.

Building a 5-Star Online Reputation for Your Business

Speaker: Brent Werbeck, GetMoreReviews Co-Founder

Trying to figure out how to turn your happy customer’s comments into 5 star reviews may seem like a daunting task. From internal feedback to Google reviews, what is "really" the way to go? Join Brent Werbeck, Co-Founder of Get More Reviews, in this discussion of how to foster and grow your business's 5-star online reputation.

Millions Are Hounded for Debt They Don’t Owe

Diane Drain

A powerful story from one man who refused to be bullied to one of the devious debt collectors: Millions Are Hounded for Debt They Don’t Owe. One Victim Fought Back, With a Vengeance. Article by Zeke Faux, Bloomberg Business week. Andrew Therrien wanted payback.

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How to Avoid phishing, smishing, vishing, and other scams

Diane Drain

FDIC Consumer News: Beware, It’s a Scam! Avoid phishing, smishing, vishing, and other scams. FDIC Consumer News – October 2020. Criminals are constantly trying to steal consumers’ personal data using fake emails, websites, phone calls, and even text messages.

Our Emotional Ups and Downs Were Frequent, and Her Patience Was Unwavering!

Diane Drain

“We highly recommend Diane Drain IF you are looking for the educated, knowledgeable, honest and transparent (and very fairly priced) attorney! We had recently relocated to Arizona from the Chicago area when we realized we had to face up to our financial problems, rather than run away from them.

Diane and Jay are the Best

Diane Drain

“ Diane told me how to file a complaint against Scott Forrester and ask the State Bar for my money back. Diane and Jay have been wonderful to work with, they are really the best. I found them after paying Scott Forrester and then found out he was disbarred.

Process Serving Made Easy: Serve in All 50 States Using One Platform

Speaker: PROOF

PROOF has revolutionized service of process. Using our online platform, create serve requests nationwide and receive live updates with mapped verification of each attempt. PROOF’s technology provides users with complete transparency from start to finish.