Bankruptcy in Maricopa County

Maricopa County is the most populous county in Arizona, containing Phoenix and most of its suburbs including Scottsdale, Tempe, Mesa, Chandler, and Gilbert. It handles the vast majority of Arizona bankruptcy filings.

Key Information

Federal District

District of Arizona (Phoenix Division)
All bankruptcy cases from Maricopa County are filed in this district.

Nearest Courthouse

230 N 1st Ave, Phoenix, AZ 85003
341 meetings and court hearings are typically held at this location.

Arizona Exemptions in Maricopa County

Arizona allows filers to choose between state and federal exemptions. State homestead exemption: $250,000 for a single individual, $250,000 for a married couple. Vehicle exemption: $6,000 ($12,000 if married, not doubling). Personal property: $6,000 household goods and furnishings. Wildcard: $300 in any property. Tools of trade: $5,000. Bank deposit: $300. Arizona is one of the few states that allows federal exemptions as an alternative.

Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.

Filing Bankruptcy in Maricopa County

The Process

  1. Credit counseling -- Complete an approved course within 180 days before filing ($15-25).
  2. File your petition -- The petition is filed with the District of Arizona (Phoenix Division). The automatic stay takes effect immediately.
  3. 341 meeting -- About 30 days after filing, attend a brief meeting of creditors at 230 N 1st Ave, Phoenix, AZ 85003.
  4. Debtor education -- Complete a second financial course before discharge ($10-25).
  5. Discharge -- Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan.

Frequently Asked Questions

Which bankruptcy court handles Maricopa County cases?

Maricopa County cases are filed in the District of Arizona, Phoenix Division. The courthouse is at 230 N 1st Ave, Phoenix, AZ 85003. This court handles the majority of all bankruptcy filings in Arizona.

Can I choose federal exemptions in Maricopa County?

Yes. Arizona is one of the few states that allows filers to choose between state and federal exemptions. The federal homestead exemption is approximately $27,900 per person (doubling for married couples). Compare this to the Arizona state homestead exemption of $250,000 to determine which set is better for your situation.

How many bankruptcy cases are filed in Maricopa County?

Maricopa County accounts for the majority of Arizona's bankruptcy filings due to its population of over 4.4 million. The District of Arizona handles approximately 15,000-20,000 cases per year, with most originating from Maricopa County.

Check Your Eligibility

Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.

Free Discharge Screener

Other Phoenix Area Counties

Open Bankruptcy Project Network