Arizona bankruptcy attorneys for Chapter 7 & 13.
If overwhelming debt is controlling your life, whether from credit cards, medical bills, or other obligations, bankruptcy can provide the fresh start you need. We guide you through the process, protect your rights, and help you eliminate debt legally and permanently.
Debt rarely goes away on its own.
Ignoring it usually makes things worse. Bankruptcy is a legal, permanent way to stop the pressure and start over.
Consequences of Ignoring Debt
- Constant creditor harassment and collection calls
- Lawsuits and potential wage garnishment
- Bank account levies and property liens
- Damaged credit that prevents future opportunities
- Stress and anxiety affecting your daily life
Benefits of Filing Bankruptcy
- Eliminate most or all of your unsecured debt
- Stop creditor harassment immediately
- Protect your assets through exemptions
- Get a fresh start and rebuild your financial future
- Legal protection from collection actions
How we help you through bankruptcy.
We handle the paperwork, the hearings, and the details, so you always know what comes next.
Evaluate Your Options
We assess your financial situation and determine whether Chapter 7 or Chapter 13 bankruptcy is right for you. Want a head start? Try our free Chapter 7 means test calculator.
Protect Your Assets
We use Arizona exemptions to protect your home, vehicle, and other essential property from liquidation.
Stop Collection Actions
The automatic stay immediately stops creditor calls, lawsuits, wage garnishments, and foreclosure proceedings.
Guide You Through
We handle all paperwork, represent you at hearings, and ensure your case proceeds smoothly from start to finish.
New to Chapter 7? Read our free guide.
Every step of a Chapter 7 case in Arizona, from your first meeting to your fresh start, in plain English. Read it online or download the PDF handbook.
Types of bankruptcy we handle.
Most people file under Chapter 7 or Chapter 13. We'll help you decide which one fits your situation.
Chapter 7 Bankruptcy
Also known as "liquidation" bankruptcy, Chapter 7 allows you to discharge most unsecured debts quickly—typically about 3-4 months after filing. Most of your property is protected through exemptions.
- Eliminate credit card debt, medical bills, personal loans
- Fast process—discharge in about 3-4 months, case closed in about 4-5
- Keep exempt property (home, car, retirement accounts)
- No repayment plan required
Chapter 13 Bankruptcy
A reorganization bankruptcy that allows you to keep all your property while repaying a portion of your debts over 3-5 years through a court-approved plan.
- Keep all your property, including non-exempt assets
- Catch up on mortgage or car payments
- Repay debts over 3-5 years
- Stop foreclosure and repossession
File within weeks. Get immediate relief.
When you file Chapter 7, a court order called the automatic stay goes into effect immediately. It tells creditors to halt most collection activity while your case proceeds.
Immediate Relief
Lawsuits, wage garnishments, bank levies, and collection calls must pause right away.
Repossessions & Foreclosures
Most are halted, giving you breathing room to assess options.
Utility Shutoffs
Temporary protection from shutoffs due to unpaid bills.
Credit Reporting & Contact
Collectors must stop contacting you about the debt and avoid new negative actions tied to collections.
Don't wait. Act now.
The longer you wait, the more damage creditors can do. Bankruptcy can stop collection actions immediately and protect your assets.
Is your case outside of Arizona?
We focus on Arizona bankruptcy cases, but we can help connect you with qualified attorneys in other states through our referral network.
Learn about bankruptcy.
Watch our educational videos to understand your bankruptcy options and how they can help you find financial freedom.
Arizona Bankruptcy Questions, Answered
Answers to the questions we hear most often from Arizonans considering bankruptcy.
Have another question?
Talk to our team
How much does it cost to file bankruptcy in Arizona?
Arizona Consumer Law Group offers transparent flat-fee pricing with payment plans available. Costs vary based on whether you file Chapter 7 or Chapter 13 and the complexity of your case. Schedule a free consultation to get an exact quote for your situation.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy discharges most unsecured debts (like credit cards and medical bills) in about 3-4 months with no repayment plan. Chapter 13 involves a 3-5 year repayment plan and is used to catch up on mortgage or car payments, or when you earn too much to qualify for Chapter 7.
Will I lose my house or car if I file bankruptcy in Arizona?
Most people who file bankruptcy in Arizona keep their home and car. Arizona has generous exemption laws that protect equity in your home, vehicle, household goods, and retirement accounts. Our attorneys analyze your assets before filing to ensure everything important is protected.
Does bankruptcy stop wage garnishment and debt collectors?
Yes. The moment your bankruptcy is filed, an automatic stay goes into effect that immediately stops wage garnishments, debt collector calls, lawsuits, and most collection activity. This federal court protection applies to all creditors.
How long does bankruptcy stay on my credit report?
A Chapter 7 bankruptcy stays on your credit report for 10 years and Chapter 13 stays for 7 years. However, most clients see their credit scores recover within 1-2 years after filing because unmanageable debt is eliminated.
Ready to Take Control of Your Financial Future?
Don't let debt control your life. Get a free consultation today.