Questions answered by Diane L Drain

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Bankruptcy and payday loans

Diane's answer | Answered on September 01, 2014

The earlier answers explained that you have done nothing wrong. You cannot go to jail for this default. Please understand that bankruptcy is a...

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Was Foreclosed on while applying for a Modification. Constable had no kind of documentation to give us showing we had to vacate

Diane's answer | Answered on August 23, 2014

I am going to focus on the eviction process since you are not asking about the foreclosure completing while applying for a loan modification. ...

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My wife is filing bankruptcy. Are my savings and checking accounts in danger of being taken? She is not on any of them.

Diane's answer | Answered on August 23, 2014

Arizona is a community property state. Yes, to the extent that the savings and checking account have money either of you earned while married. ...

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Ch7 bk disch Oct 31, 2013. Stupidly got a title loan to move mid Oct and car was repo. Was the title loan discharged also?

Diane's answer | Answered on August 19, 2014

My fellow lawyers answered your question. I suggest that you take steps to protect yourself from the title loan company. The same exemptions you...

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If I participate in a Loan Modification program does that lock me back into the mortgage that had gone through chapter 7?

Diane's answer | Answered on August 18, 2014

Arizona is an anti-deficiency state for mortgages on property under 2 1/2 acres, utilized and occupied as a one or two family dwelling. Therefore,...

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How long of not paying mortgage will house go into foreclosure? Mesa, AZ

Diane's answer | Answered on August 18, 2014

There is a minimal time frame of 3 months after default, plus 3 months of the trustee's sale/foreclosure process. From that point it is just a...

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Bankrutcy Question

Diane's answer | Answered on August 17, 2014

Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take...

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In Phoenix, AZ in filing Chapter 7. I currently owe H.O.A. $1000. What happens to HOA lien after Bank takes possession?

Diane's answer | Answered on August 17, 2014

You received answers to your questions, but what you need to understand that bankruptcy is a very complicated process. There are so many issues -...

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Will my husband's debt be discharged too if I file separately?

Diane's answer | Answered on August 17, 2014

You got a very good answer to your question. The problem is that there may be other issues thatyou don't know or understand. Please understand...

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This is for a disabled vet.... he bought a owner carry house in dec 2013

Diane's answer | Answered on August 17, 2014

Suggest that he contact the Disabled American Vets. If you or he wants to contact my office I can give you contact information to someone who...

Diane L Drain's Answers (1712)

Bankruptcy and payday loans

Was Foreclosed on while applying for a Modification. Constable had no kind of documentation to give us showing we had to vacate

My wife is filing bankruptcy. Are my savings and checking accounts in danger of being taken? She is not on any of them.

Ch7 bk disch Oct 31, 2013. Stupidly got a title loan to move mid Oct and car was repo. Was the title loan discharged also?

If I participate in a Loan Modification program does that lock me back into the mortgage that had gone through chapter 7?

How long of not paying mortgage will house go into foreclosure? Mesa, AZ

Bankrutcy Question

In Phoenix, AZ in filing Chapter 7. I currently owe H.O.A. $1000. What happens to HOA lien after Bank takes possession?

Will my husband's debt be discharged too if I file separately?

This is for a disabled vet.... he bought a owner carry house in dec 2013