# phoenixbankruptcy.org -- Full Content > Last updated: 2026-09-25 This file contains the full text content of all pages on phoenixbankruptcy.org. Part of the Open Bankruptcy Project (openbankruptcyproject.org). --- ## The 341 Meeting of Creditors in Phoenix Source: https://phoenixbankruptcy.org/341-meeting.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›341 Meeting The 341 Meeting of Creditors in Phoenix The 341 meeting is the one required appearance in most bankruptcy cases. Here is what Phoenix filers need to know. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. A required hearing where you answer questions under oath about your finances. In the D. Ariz., most are conducted by phone or video. What Is the 341 Meeting? Section 341 of the Bankruptcy Code requires every debtor to appear and answer questions under oath. The meeting is conducted by the trustee - not a judge. Its purpose is to verify the information in your petition. Despite its name ("meeting of creditors"), creditors rarely attend in consumer cases. 5-10 min Typical duration 21-40 days After filing 1 Appearance required Common Questions Asked Did you review your petition before it was filed? Is the information true and correct? Did you list all of your assets? Did you list all of your debts? Have you sold, transferred, or given away property in the last 2-4 years? Are you expecting inheritance, lawsuit proceeds, or tax refunds? Have you filed bankruptcy before? Are you current on tax filings? Do you have domestic support obligations? Is there anything you want to change in your petition? How to Prepare What to Bring Valid government-issued photo ID Proof of Social Security number (SSN card, W-2, or tax return) Any documents your attorney requests How to Act Answer honestly and briefly - do not volunteer extra information If you do not know, say so rather than guessing Let your attorney handle disputes or complex questions Dress neatly; formal attire is not required D. Ariz. Specifics In the D. Ariz., 341 meetings are typically held at or near 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (Sandra Day O'Connor U.S. Courthouse). Many are conducted by telephone or video conference since 2020. Frequently Asked Questions What is the 341 meeting of creditors? A required hearing where you answer questions under oath about your finances. In the D. Ariz., most are conducted by phone or video. What questions will the trustee ask? Common questions: Is your petition true and correct? Did you list all assets and debts? Have you transferred property recently? Do you expect inheritance or lawsuit proceeds? Where is the 341 meeting held in Phoenix? Typically at or near 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (Sandra Day O'Connor U.S. Courthouse). Many are now by phone or video conference. Do creditors actually show up? In most consumer cases, no. Usually just you, your attorney, and the trustee. How long does it last? 5-10 minutes typically. The trustee asks standard questions and reviews documents. What should I bring? Valid photo ID, proof of Social Security number (SSN card, W-2, or tax return), and any documents your attorney requests. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## The Automatic Stay in Phoenix Bankruptcy Source: https://phoenixbankruptcy.org/automatic-stay.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Automatic Stay The Automatic Stay in Phoenix Bankruptcy The moment you file bankruptcy in the D. Ariz., a powerful federal court order called the automatic stay takes effect. Here is what it means for Phoenix residents. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. The automatic stay is a federal court order under 11 U.S.C. section 362 that takes effect the instant you file bankruptcy in the D. Ariz.. It immediately stops most collection actions including wage garnishment, foreclosure proceedings, repossession attempts, lawsuits, harassing phone calls, and utility shutoffs. What Is the Automatic Stay? Under 11 U.S.C. section 362, the automatic stay is an injunction that immediately halts nearly all collection efforts against you the instant your bankruptcy petition is filed with the D. Ariz.. It applies to all creditors, whether they know about the filing or not. For Phoenix residents, this means that foreclosure proceedings, wage garnishment, vehicle repossession, debt collection lawsuits, harassing phone calls, bank levies, and utility shutoffs must stop immediately. What the Automatic Stay Stops Foreclosure Non-Judicial (Trustee Sale) sales halted Garnishment Wage deductions stopped Repossession Vehicle seizure blocked Lawsuits Collection suits frozen Foreclosure: Arizona uses non-judicial (trustee sale) foreclosure. The automatic stay halts the process regardless of how far along it is. Wage garnishment: 25% of disposable earnings or 30x minimum wage, whichever is less. The automatic stay stops all garnishment that is in progress. Vehicle repossession: Creditors cannot repossess your car after you file. If your car was recently repossessed, you may be able to recover it. Collection lawsuits: All pending lawsuits for debt collection are stayed. Phone calls and letters: Debt collectors must stop all contact immediately. Bank levies: Creditors cannot freeze or seize your bank accounts. Utility shutoffs: Utilities cannot disconnect service for 20 days after filing. What the Automatic Stay Does NOT Stop Child support and alimony: Domestic support obligations continue unaffected. Criminal proceedings: The stay does not halt criminal cases. Certain tax proceedings: Tax audits and tax court proceedings may continue. Prior eviction judgments: If the landlord already obtained a judgment for possession, the eviction may proceed. Pension loan repayment: Payroll deductions for retirement plan loans continue. Stay Violations in the D. Ariz. If a creditor continues collection activity after you file bankruptcy, they are violating the automatic stay. Under 11 U.S.C. section 362(k), you may be entitled to: Actual damages - any financial harm caused by the violation Attorney fees and costs - the cost of enforcing the stay Punitive damages - in cases of willful violation Document every violation carefully: save voicemails, letters, garnishment notices, and any evidence of continued collection. Repeat Filers: Limited Stay Protection One dismissal in the past year: The stay lasts only 30 days unless you file a motion to extend it and show good faith (section 362(c)(3)). Two or more dismissals in the past year: The stay does not go into effect at all unless you file a motion to impose it (section 362(c)(4)). If you are a repeat filer, timing your petition and filing the appropriate motions immediately is critical. Frequently Asked Questions What is the automatic stay in bankruptcy? The automatic stay is a federal court order under 11 U.S.C. section 362 that takes effect the instant you file bankruptcy in the D. Ariz.. It immediately stops most collection actions including wage garnishment, foreclosure proceedings, repossession attempts, lawsuits, harassing phone calls, and utility shutoffs. What does the automatic stay stop? The automatic stay stops: wage garnishment, foreclosure sales, vehicle repossession, debt collection lawsuits, creditor phone calls and letters, bank account levies, utility disconnection (for 20 days), eviction (in some cases), and IRS collection activity. What does the automatic stay NOT stop? The automatic stay does not stop: child support and alimony collection (domestic support obligations), most criminal proceedings, certain tax audit proceedings, and evictions where the landlord already had a judgment for possession before filing. What happens if a creditor violates the automatic stay in Phoenix? If a creditor violates the automatic stay, you may be entitled to actual damages, attorney fees, and in some cases punitive damages under 11 U.S.C. section 362(k). Document the violation and notify your attorney immediately. The D. Ariz. takes stay violations seriously. Does the automatic stay apply if I filed bankruptcy before? If you had a bankruptcy case dismissed within the past year, the automatic stay in your new case lasts only 30 days unless the court extends it. Two or more dismissals in the past year means no stay at all unless the court orders it under section 362(c)(3) and (c)(4). How long does the automatic stay last? In Chapter 7, the stay lasts until your case is closed, dismissed, or discharge is granted (typically 3-4 months). In Chapter 13, it lasts for the duration of your 3-5 year plan. Creditors can file a motion for relief from stay. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Relief from Automatic Stay -- relieffromstay.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Bank Accounts and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/bank-account.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Bank Account Bank Accounts and Bankruptcy in Phoenix Filing bankruptcy does not mean your bank account is seized. Understanding how bank accounts work in bankruptcy helps Phoenix residents protect their money. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Only if the balance exceeds what is protected by exemptions. Social Security, disability, veterans' benefits, and other exempt funds are protected. Keep records showing the source of deposits. Timing your filing when the balance is low minimizes exposure. What Happens to Your Bank Account When You File When you file bankruptcy, the money in your bank account on the filing date becomes property of the bankruptcy estate. However, most or all of it may be protected by exemptions: Exempt funds: Social Security, disability benefits, veterans' benefits, and other government payments are generally fully exempt from the bankruptcy estate. Wages: Arizona exempts certain funds including wages needed for support, Social Security, and other protected deposits. Timing matters: Try to file when your account balance is at its lowest point in the month (typically right after paying bills) to minimize the amount subject to the trustee's review. The trustee reviews your statements: You must provide bank statements for the 60 days before filing. Bank Account Freezes and Levies Before Bankruptcy Creditors with judgments can levy (seize) your bank account Payday lenders with ACH authorization can drain your account The IRS can levy without a court judgment Garnishment orders can intercept deposits After Filing Bankruptcy The automatic stay stops all levies and freezes Existing levies must be released No new garnishment orders can be issued Payday lender ACH debits must stop Practical Steps for Phoenix Filers Open a new account if needed: If a creditor has your account information and is making unauthorized withdrawals, open a new account at a different bank. Do NOT owe money to your bank: If you have a credit card or loan with the same bank where you have your checking account, the bank may exercise its right of setoff. Open an account at a different bank before filing. Keep your balance low on filing day: Pay your normal bills before filing. The less cash in the account, the less the trustee can examine. Document exempt funds: If your account contains Social Security, pension, or other exempt deposits, keep records showing the source of the funds. Direct deposit: Post-filing income (earned after the filing date) is generally not part of the bankruptcy estate in Chapter 7. Frequently Asked Questions Will the trustee take money from my bank account? Only if the balance exceeds what is protected by exemptions. Social Security, disability, veterans' benefits, and other exempt funds are protected. Keep records showing the source of deposits. Timing your filing when the balance is low minimizes exposure. Can my bank freeze my account when I file bankruptcy? Banks sometimes place temporary holds on accounts when they receive notice of the filing. This is more common if you owe the bank money (credit card, loan). Opening an account at a bank where you have no debts avoids this problem. What is the right of setoff? If you owe money to the same bank where your checking account is, the bank can take funds from your account to pay your debt to them. This is called setoff. Move your accounts to a different bank before filing. Are my wages protected in my bank account in Arizona? Arizona allows garnishment of up to 25% of disposable earnings, following the federal standard. Bank accounts can also be garnished with certain exemptions for Social Security and other protected funds. Wages deposited in your bank account may retain their exempt character, but proving which funds are wages versus other income requires documentation. Can I open a new bank account after filing bankruptcy? Yes. You can open a new bank account during and after bankruptcy. Some banks may check ChexSystems, but many banks and credit unions will open accounts for bankruptcy filers. What happens to my bank account in Chapter 13? In Chapter 13, you keep your bank account and continue using it normally. Your disposable income goes to creditors through the trustee, but you manage your day-to-day banking as usual. Protect Your Finances Exemptions Guide Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Can I Buy a Car While in Chapter 13? - Phoenix Source: https://phoenixbankruptcy.org/buy-car-chapter-13.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I Buy a Car While in Chapter 13? Can I Buy a Car While in Chapter 13? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. You need trustee approval and a court motion to purchase a vehicle during Chapter 13. The trustee will evaluate whether the purchase is necessary and whether the payment fits your budget. Interest rates are typically higher. Used vehicles are more likely to be approved. What You Need to Know You need trustee approval and a court motion to purchase a vehicle during Chapter 13. The trustee will evaluate whether the purchase is necessary and whether the payment fits your budget. Interest rates are typically higher. Used vehicles are more likely to be approved. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I Buy a Car While in Chapter 13? You need trustee approval and a court motion to purchase a vehicle during Chapter 13. The trustee will evaluate whether the purchase is necessary and whether the payment fits your budget. Interest rates are typically higher. Used vehicles are more likely to be approved. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Buying a House After Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/buying-a-house.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Buying a House Buying a House After Bankruptcy in Phoenix Bankruptcy does not permanently prevent you from buying a home. Phoenix residents can qualify for mortgages after specific waiting periods, and Arizona has unique advantages for homebuyers rebuilding after bankruptcy. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. With FHA, as soon as 2 years after Chapter 7 discharge or 1 year into a Chapter 13 plan (with court approval). Conventional loans require 4 years after Chapter 7 or 2 years after Chapter 13 discharge. Mortgage Waiting Periods After Bankruptcy After Chapter 7 FHA loan: 2 years from discharge VA loan: 2 years from discharge USDA loan: 3 years from discharge Conventional (Fannie/Freddie): 4 years from discharge Jumbo/portfolio: Varies by lender, often 4-7 years After Chapter 13 FHA loan: 1 year into plan (with court permission and trustee approval) VA loan: 1 year into plan (with court and trustee approval) USDA loan: 1 year into plan Conventional: 2 years from discharge, or 4 years from dismissal During plan: Court permission required for new debt Rebuilding Credit for a Phoenix Mortgage Start immediately after discharge. Get a secured credit card and use it for small purchases, paying the balance in full each month. Target a 620+ credit score for FHA loans (580 minimum with 3.5% down). Conventional loans typically require 680+. Establish 2-3 credit lines. Secured card, credit builder loan, and a small installment loan create a diverse credit mix. Save for a down payment. FHA requires 3.5% minimum. Conventional loans require 3-5%. Larger down payments get better rates. Arizona has flat 2.5% state income tax. This means more take-home pay available for saving and qualifying for a mortgage. Arizona Homebuyer Considerations Homestead protection: Once you purchase, Arizona provides a $250,000 homestead exemption - protecting your equity in future financial difficulties. Property taxes: Arizona property taxes vary by county. In Phoenix, plan for these in your budget alongside your mortgage payment. First-time homebuyer programs: Arizona offers down payment assistance programs that may be available even with a prior bankruptcy, depending on the program requirements. Mortgage pre-approval: Once your waiting period has passed, get pre-approved before house hunting. This shows sellers you are a serious buyer. Frequently Asked Questions How long after bankruptcy can I buy a house in Phoenix? With FHA, as soon as 2 years after Chapter 7 discharge or 1 year into a Chapter 13 plan (with court approval). Conventional loans require 4 years after Chapter 7 or 2 years after Chapter 13 discharge. What credit score do I need for a mortgage after bankruptcy? FHA loans require a minimum 580 score for 3.5% down (500-579 with 10% down). Conventional loans typically require 680+. Most post-bankruptcy filers can reach FHA thresholds within 1-2 years of discharge. Can I buy a house during Chapter 13? Yes, but you need court permission and trustee approval. Most courts, including the District of Arizona, require at least 1 year of on-time plan payments before approving new debt. Will I get a higher interest rate after bankruptcy? Initially, yes. Expect rates 1-3% higher than prime borrowers. As your credit score improves and time passes from the bankruptcy, rates improve. Refinancing after 2-3 years of on-time mortgage payments is common. What down payment assistance is available in Phoenix? Multiple programs exist for Phoenix and Arizona residents, including FHA down payment assistance, Arizona housing finance authority programs, and local homebuyer assistance. Eligibility varies but bankruptcy history is often not an automatic disqualifier. How does the Arizona homestead exemption protect me after purchase? Arizona provides a $250,000 homestead exemption. If you face financial difficulties after purchasing, this protects your home equity from most creditors. Plan Your Path to Homeownership Credit After Bankruptcy Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Car Leases and Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/car-lease.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Car Leases and Bankruptcy Car Leases and Bankruptcy A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. You have 60 days after filing to decide whether to assume (keep) or reject (surrender) your car lease. If you are current on payments, you can typically keep the lease by assuming it. If behind, rejection discharges the remaining obligation. Lease buyout may be an option if you want to own the vehic What You Need to Know You have 60 days after filing to decide whether to assume (keep) or reject (surrender) your car lease. If you are current on payments, you can typically keep the lease by assuming it. If behind, rejection discharges the remaining obligation. Lease buyout may be an option if you want to own the vehicle. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Car Leases and Bankruptcy You have 60 days after filing to decide whether to assume (keep) or reject (surrender) your car lease. If you are current on payments, you can typically keep the lease by assuming it. If behind, rejection discharges the remaining obligation. Lease buyout may be an option if you want to own the vehicle. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Chapter 13 Eligibility in Phoenix Source: https://phoenixbankruptcy.org/chapter-13-eligibility.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Chapter 13 Eligibility Chapter 13 Eligibility in Phoenix Chapter 13 lets you keep your property and repay debts over 3-5 years. Phoenix residents need regular income and debts within federal limits to file in the District of Arizona. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Your noncontingent, liquidated unsecured debts must be under $526,700 and your secured debts under $1,580,125 (Section 109(e); these limits adjust every three years, most recently on April 1, 2025). From June 2022 to June 21, 2024, a temporary law combined these into a single $2,750,000 limit; that provision expired. There is no minimum debt requirement. Basic Eligibility Requirements To file Chapter 13 bankruptcy in the District of Arizona, you must meet these requirements: Regular income: You need sufficient regular income to fund a repayment plan. This includes wages, self-employment income, Social Security, pension, or other regular payments. Debt limits: Your noncontingent, liquidated unsecured debts must be under $526,700 and your secured debts under $1,580,125 (as adjusted April 1, 2025). Tax returns: You must have filed all required tax returns for the 4 years before filing. Credit counseling: Complete an approved credit counseling course within 180 days before filing. No prior dismissal: If a prior case was dismissed within 180 days for failure to appear or comply with court orders, you cannot file immediately. How Income Determines Your Plan Length Below Arizona Median If your income is below the Arizona median ($56,381 for one person), your repayment plan can be as short as 3 years (36 months). You have the option to propose a longer plan up to 5 years. Above Arizona Median If your income exceeds the median, your plan must be 5 years (60 months). Your disposable income after allowed expenses goes to creditors through the plan. The means test determines your disposable income. Why Phoenix Residents Choose Chapter 13 Save your home: Cure mortgage arrears over 3-5 years while keeping your home. Non-judicial foreclosure, typically taking about 90 days. Arizona has an anti-deficiency statute on purchase-money mortgages for single-family homes under 2.5 acres. Keep your car: Pay the vehicle's value (cramdown) if the loan is more than 910 days old. Arizona exempts $6,000 per vehicle ($12,000 if disabled). Strip junior liens: If your home is worth less than the first mortgage, second mortgages may be removed entirely. Protect co-debtors: The Chapter 13 co-debtor stay (section 1301) protects co-signers from collection on consumer debts. Income too high for Chapter 7: If you do not pass the means test, Chapter 13 is your path to debt relief. Frequently Asked Questions What are the debt limits for Chapter 13 in Phoenix? Your noncontingent, liquidated unsecured debts must be under $526,700 and your secured debts under $1,580,125 (Section 109(e); these limits adjust every three years, most recently on April 1, 2025). From June 2022 to June 21, 2024, a temporary law combined these into a single $2,750,000 limit; that provision expired. There is no minimum debt requirement. Do I need a job to file Chapter 13 in Arizona? You need regular income, but it does not have to come from employment. Social Security, pension, disability, rental income, or support from a spouse or household member can all qualify. How long is a Chapter 13 plan? If your income is below the Arizona median ($56,381 for one person), the plan can be 3 years. Above median, it must be 5 years. No plan can exceed 5 years. Can I file Chapter 13 after a Chapter 7 discharge? Yes. You can file Chapter 13 after a Chapter 7 discharge, but you must wait 4 years from the Chapter 7 filing date to receive a Chapter 13 discharge. You can still use Chapter 13 for its repayment benefits even without a discharge (called a Chapter 20). Check timing with the 1328(f) screener. What happens if I cannot make plan payments? You can modify the plan, convert to Chapter 7, or request a hardship discharge if you have paid most of your plan and the failure was due to circumstances beyond your control. The District of Arizona requires prompt notification. What is the dismissal rate for Chapter 13 in Arizona? Chapter 13 has a higher dismissal rate than Chapter 7 nationally. Many cases are dismissed for failure to make plan payments or file required documents. Staying current on payments is critical. Check Your Chapter 13 Options Chapter 7 vs 13 Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Chapter 13 Payments in Phoenix Source: https://phoenixbankruptcy.org/chapter-13-payments.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Chapter 13 Payments Chapter 13 Payments in Phoenix Chapter 13 bankruptcy requires monthly payments over 3-5 years. Understanding how payments are calculated, distributed, and managed is essential for Phoenix filers in the District of Arizona. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Payments vary based on your income, expenses, and debts. There is no fixed amount. The means test determines your disposable income. Arizona median income for one person is $56,381 - if below this, your plan can be 3 years; above, it must be 5 years. How Chapter 13 Payments Are Calculated Your monthly payment is based on several factors: Disposable income: Income minus allowed living expenses as determined by the means test Secured debt obligations: Mortgage arrears, car payments, and other secured debts that must be paid through the plan Priority debts: Tax debts, domestic support obligations, and other priority claims must be paid in full Best-interest-of-creditors test: Unsecured creditors must receive at least as much as they would in a Chapter 7 liquidation Trustee fee: The Chapter 13 trustee takes a percentage (typically 4-10%) of each payment for administrative costs What Gets Paid Through the Plan Paid in Full (100%) Mortgage arrears (to cure default) Priority tax debts Domestic support arrears Administrative expenses (trustee fees, attorney fees) Secured debt payments (car loans, etc.) Paid Partially (Often Pennies on Dollar) Credit card balances Medical bills Personal loans Payday loans Remaining unsecured debt (whatever your disposable income allows) Plan Length and Arizona Income Below median income ($56,381 for 1 person in Arizona): Minimum plan is 36 months (3 years), maximum is 60 months (5 years) Above median income: Plan must be 60 months (5 years) Arizona has flat 2.5% state income tax: State income tax is an allowed deduction on the means test, reducing your disposable income and potentially lowering plan payments. First payment due within 30 days of filing. Payments are typically made via wage deduction or direct payment to the trustee. What Happens If You Miss a Payment Missing Chapter 13 payments is the number one reason cases are dismissed. If you fall behind: The trustee may file a motion to dismiss your case, which lifts the automatic stay and exposes you to creditor collection You can request a plan modification if your income has decreased or expenses have increased You can convert to Chapter 7 if you can no longer afford any plan payment Hardship discharge: In rare cases, if you have paid most of the plan and the failure was beyond your control, the court may grant a hardship discharge Communication is key: Contact the trustee and your attorney immediately if you are having trouble making payments Frequently Asked Questions How much are Chapter 13 payments in Phoenix? Payments vary based on your income, expenses, and debts. There is no fixed amount. The means test determines your disposable income. Arizona median income for one person is $56,381 - if below this, your plan can be 3 years; above, it must be 5 years. When is my first Chapter 13 payment due? Your first payment must be made within 30 days of filing. Payments are typically monthly via wage deduction or direct payment to the Chapter 13 trustee. Can my Chapter 13 payments change? Yes. You can file a plan modification if your financial situation changes - income increase or decrease, new expenses, or changes in debt. The court must approve modifications. What happens if I miss a Chapter 13 payment? The trustee may move to dismiss your case. Contact your attorney immediately. You may be able to modify the plan, catch up on payments, or convert to Chapter 7. The District of Arizona expects prompt communication. Do I make my mortgage payment through the plan or directly? Practices vary. Some plans include the regular mortgage payment; others only include arrears while you pay the mortgage directly. The trustee in the District of Arizona will specify how payments are structured. What percentage of my debt will I actually pay? Priority debts and secured debts are paid in full. Unsecured creditors receive whatever your disposable income allows - often 10-30% of the total, sometimes less. The remainder is discharged at plan completion. Understand Your Options Chapter 13 Plan Guide Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Chapter 13 Bankruptcy in Phoenix - Payment Plans, Dismissal Rates, Timeline Source: https://phoenixbankruptcy.org/chapter-13.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Chapter 13 Chapter 13 Bankruptcy in Phoenix Chapter 13 lets you keep your property while repaying debts over 3-5 years. But in the D. Ariz., the dismissal rate is 53.5% - meaning many filers never complete their plan. 53.5% of D. Ariz. Chapter 13 cases are dismissed 53.5% D. Ariz. Dismissal Rate 46.5% Discharge Rate 3-5 yrs Plan Duration $313 Filing Fee The District of Arizona has a 53.5% Chapter 13 dismissal rate based on 2008-2024 data from 52,776 cases. A dismissed case means the debtor got no debt relief despite months or years of payments. What Is Chapter 13? Chapter 13, sometimes called a "wage earner's plan," allows people with regular income to create a court-supervised repayment plan lasting 3 to 5 years. You make monthly payments to a bankruptcy trustee, who distributes the money to your creditors according to the plan. Unlike Chapter 7, Chapter 13 does not require liquidating assets. You keep all your property. At the end of the plan, remaining eligible debts are discharged. Chapter 13 is particularly useful for: Saving a home from foreclosure by catching up on missed mortgage payments Keeping a car while catching up on auto loan payments Paying tax debts or other priority debts over time Protecting non-exempt property that would be lost in Chapter 7 Filers who do not qualify for Chapter 7 under the means test D. Ariz. Dismissal Rate The data tells a concerning story. A dismissed Chapter 13 means the debtor spent months or years making payments but received no discharge - no debt relief. District of Arizona (D. Ariz.) 53.5% dismissed Out of 52,776 Chapter 13 cases filed between 2008 and 2024, only 46.5% achieved a successful discharge. The prior filer rate is 24.4% - nearly 1 in 4 filers had a prior case. Why it matters: A dismissed Chapter 13 means the automatic stay ends, creditors resume collection, and the debtor receives no discharge. Months or years of payments produced no lasting relief. Strong legal representation is critical to completing a Chapter 13 plan. View full statistics. How a Chapter 13 Plan Works The Monthly Payment Your monthly payment is calculated based on your disposable income - the difference between your income and your reasonable living expenses. The payment must cover: Priority debts in full: Recent taxes, child support arrears, attorney fees Secured debt arrears: Mortgage arrears, car loan arrears Trustee fees: Typically around 10% of plan payments Unsecured creditors: Whatever remains goes to credit cards, medical bills, etc. - often pennies on the dollar Plan Duration: 3 or 5 Years? If your income is below the state median, you may be able to complete a 3-year plan. If your income is above the median, your plan must be 5 years. The court will not approve a plan longer than 5 years. What Happens at the End? After completing all plan payments, the court enters a discharge under 11 U.S.C. section 1328. This eliminates remaining eligible unsecured debts. You keep your home, car, and other property. If you received a prior discharge, time bars under section 1328(f) may prevent you from receiving another discharge. Check your eligibility before filing. Chapter 13 Timeline Before filing: Complete credit counseling ($15-25). Gather income documentation, tax returns, and debt records. Day 1 - Filing: Petition filed. Automatic stay takes effect. Foreclosures, repossessions, and garnishments stop immediately. Day 14: Proposed plan filed (if not filed with the petition). Day 30: First plan payment due to the trustee. Day 30-45: 341 meeting of creditors. The trustee reviews your plan and finances. Day 45-120: Confirmation hearing. The court decides whether to approve your plan. Years 1-5: Monthly payments to the trustee. Report income changes. File tax returns on time. Plan completion: Complete debtor education course. Court enters discharge. Frequently Asked Questions What is the Chapter 13 dismissal rate in Phoenix? The District of Arizona has a 53.5% Chapter 13 dismissal rate based on 2008-2024 data. A dismissed case means the debtor got no debt relief despite months or years of payments. How long is a Chapter 13 repayment plan? Chapter 13 plans last 3 to 5 years. If your income is below the state median, you may qualify for a 3-year plan. If above the median, your plan must be 5 years. Can I keep my house in Chapter 13? Yes. One of the main benefits of Chapter 13 is the ability to keep your home and catch up on missed mortgage payments. The automatic stay stops foreclosure proceedings immediately upon filing. What happens if my Chapter 13 is dismissed? If your Chapter 13 case is dismissed, the automatic stay ends and creditors can resume collection. You may be able to file again, but there may be waiting periods. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Chapter 7 Eligibility in Phoenix Source: https://phoenixbankruptcy.org/chapter-7-eligibility.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Chapter 7 Eligibility Chapter 7 Eligibility in Phoenix Chapter 7 provides the fastest path to debt relief, but you must qualify. Phoenix residents must pass the means test and meet other requirements to file in the District of Arizona. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. The means test uses Arizona median income: $56,381 for a single person. If below this, you qualify automatically. If above, you may still qualify after subtracting allowed expenses. The Means Test in Arizona The means test compares your household income to the Arizona median. If your income is below the median, you automatically qualify for Chapter 7. The current Arizona median income for a single person is $56,381. Below median: You qualify for Chapter 7 automatically Above median: You must complete the full means test (Form 122A-2), which subtracts allowed expenses from your income. If disposable income is low enough, you still qualify. Arizona has flat 2.5% state income tax, which affects the means test calculation - Arizona residents keep more take-home pay but that higher take-home pay is what the means test measures Take the means test at our Phoenix means test page or visit bankruptcymeanstest.org for a detailed explanation. Other Eligibility Requirements You Must Complete credit counseling within 180 days before filing Not have received a Chapter 7 discharge within the past 8 years Not have received a Chapter 13 discharge within the past 6 years Not have had a case dismissed for abuse within 180 days File tax returns for the past 4 years Disqualifying Factors Income above the means test threshold with no allowable deductions Prior discharge within the time bar period Prior case dismissed within 180 days for willful failure to comply Attempting to defraud creditors (hiding assets, recent luxury spending) Failure to complete required credit counseling Arizona Exemptions That Protect Your Property Filing Chapter 7 does not mean you lose everything. Arizona exemptions protect: Homestead: $250,000 Vehicle: $6,000 per vehicle ($12,000 if disabled) Retirement accounts: IRAs, 401(k)s, and pensions are fully exempt under federal and Arizona law Personal property: Clothing, household furnishings, and tools of the trade up to Arizona limits See our full Phoenix exemptions guide for complete details. Frequently Asked Questions What is the income limit for Chapter 7 in Phoenix? The means test uses Arizona median income: $56,381 for a single person. If below this, you qualify automatically. If above, you may still qualify after subtracting allowed expenses. How often can I file Chapter 7 in Arizona? You must wait 8 years from a prior Chapter 7 discharge, or 6 years from a prior Chapter 13 discharge. Check your eligibility with the 1328(f) screener. Do I have to pass the means test? Yes, unless you are a disabled veteran or your debts are primarily business debts. All consumer debtors must complete the means test form even if they qualify automatically. Can I file Chapter 7 if I own a home? Yes. Arizona's $250,000 homestead exemption protects your home equity. If your equity exceeds the exemption, Chapter 13 may be a better option. What happens to my car in Chapter 7 in Arizona? Arizona exempts $6,000 per vehicle ($12,000 if disabled). If your equity is within this limit, you keep your vehicle. If you owe more than the car is worth, you can reaffirm or surrender. How long does Chapter 7 take? Most Chapter 7 cases in the District of Arizona take 3-4 months from filing to discharge. The 341 meeting occurs about 30-40 days after filing. Check Your Eligibility Means Test Calculator Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Section 727(a)(8) Discharge Waiting Period -- 727a8.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Chapter 7 Bankruptcy in Phoenix - Eligibility, Exemptions, Timeline Source: https://phoenixbankruptcy.org/chapter-7.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Chapter 7 Chapter 7 Bankruptcy in Phoenix Chapter 7 is the fastest path to debt relief. Most unsecured debts are eliminated in 3-4 months. Here is what Phoenix residents need to know. Chapter 7 discharges most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It does not discharge student loans (in most cases), recent taxes, child support, alimony, or debts incurred through fraud. What Is Chapter 7? Chapter 7, sometimes called "liquidation bankruptcy" or a "fresh start," eliminates most unsecured debts. A court-appointed trustee reviews your assets. If you have non-exempt property, the trustee may sell it to pay creditors - but most Chapter 7 cases are "no-asset" cases where the filer keeps everything. In Phoenix, the vast majority of Chapter 7 filers keep all their property because it falls within Arizona exemption limits. What Debts Does Chapter 7 Eliminate? Dischargeable (eliminated) Credit card debt Medical bills Personal loans and payday loans Old utility bills Deficiency balances from repossessions Some older tax debts Civil judgments (in most cases) Not dischargeable Student loans (except in rare hardship cases) Recent income taxes (generally last 3 years) Child support and alimony Court-ordered restitution and fines Debts from fraud or willful injury Certain debts under 11 U.S.C. section 523(a) The Means Test To file Chapter 7, you must pass the means test. This compares your household income to the state median: Below median income: You automatically qualify for Chapter 7 Above median income: A detailed calculation of your disposable income determines eligibility. If you have enough disposable income to fund a Chapter 13 plan, you may be required to file Chapter 13 instead For a single filer in Arizona, the current median is approximately $55,000/year. These figures increase with household size. Arizona Exemptions in Chapter 7 Exemptions determine what property you keep. Arizona requires you to use state exemptions - you cannot choose the federal exemption system. PropertyArizona ExemptionStatute Homestead$250,000A.R.S. 33-1101 Vehicle$6,000 ($12,000 if disabled)A.R.S. 33-1125 Household goods$6,000 totalA.R.S. 33-1123 Clothing$500A.R.S. 33-1125 Tools of trade$5,000A.R.S. 33-1130 Retirement accounts (IRA, 401k, pension)UnlimitedA.R.S. 33-1126 Social Security benefitsUnlimited42 U.S.C. 407 Bank deposit (single)$300A.R.S. 33-1126 Life insurance (cash value)$25,000A.R.S. 33-1126 Health aidsUnlimitedA.R.S. 33-1125 Full exemption details. Chapter 7 Timeline Weeks 1-2: Preparation - Gather documents (tax returns, pay stubs, bank statements). Complete credit counseling course ($15-25). Day 1: Filing - Petition filed with the court. Automatic stay takes effect immediately - creditors must stop all collection activity, garnishments, lawsuits, and foreclosure proceedings. Day 30-45: 341 Meeting - Brief meeting of creditors. The trustee asks questions under oath about your finances. Most meetings last 5-10 minutes. Day 30-60: Debtor education - Complete the second required financial education course ($10-25). Day 90-120: Discharge - The court enters your discharge order, eliminating eligible debts. Case closed shortly after. Frequently Asked Questions What debts does Chapter 7 eliminate? Chapter 7 discharges most unsecured debts including credit cards, medical bills, personal loans, and old utility bills. It does not discharge student loans (in most cases), recent taxes, child support, alimony, or debts incurred through fraud. See section 523(a) for the full list. What is the means test for Chapter 7? The means test compares your household income to the Arizona median. If your income is below the median for your household size, you automatically qualify. If above, a more detailed calculation determines whether you have enough disposable income to fund a Chapter 13 plan instead. How long does Chapter 7 take? From filing to discharge, Chapter 7 typically takes 3-4 months. The 341 meeting of creditors occurs about 30 days after filing, and the discharge is usually entered about 60 days after that. What property can I keep in Chapter 7 in Arizona? Arizona exemptions protect: homestead equity of $250,000, vehicle equity of $6,000, personal property of $6,000, and retirement accounts. Full exemption details. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Bankruptcy Filing Checklist for Phoenix Source: https://phoenixbankruptcy.org/checklist.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Checklist Bankruptcy Filing Checklist for Phoenix Use this checklist to prepare for your bankruptcy filing in the D. Ariz.. Gathering these documents before meeting with an attorney saves time and money. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. You need: 6 months of pay stubs, 2 years of tax returns, 3-6 months of bank statements, vehicle titles, mortgage statements, a complete debt list, and credit reports from all three bureaus. Documents You Will Need Income Documentation Pay stubs for the last 6 months (all jobs) Federal tax returns for the last 2 years Arizona state tax returns for the last 2 years Social Security, pension, or retirement income statements Self-employment profit and loss statements (if applicable) Unemployment benefit records (if applicable) Asset Documentation Bank statements for the last 3-6 months (all accounts) Vehicle titles and registration Mortgage statement showing balance and monthly payment Property tax assessment or recent appraisal Retirement account statements (401k, IRA, pension) Life insurance policies (with cash value) Debt Documentation Credit reports from all three bureaus (free at annualcreditreport.com) Collection letters and lawsuit papers Medical bills, student loan, car loan, and credit card statements Garnishment orders Personal Documentation Government-issued photo ID Social Security card Proof of current address Marriage certificate or divorce decree (if applicable) Child support or alimony orders (if applicable) Required Courses Pre-Filing Credit Counseling Within 180 days before filing 60-90 minutes, online or phone ~$25, DOJ-approved provider Certificate filed with petition Post-Filing Debtor Education Before discharge ~2 hours, online or phone ~$25, DOJ-approved provider Certificate filed with court Filing Costs in the D. Ariz. ExpenseChapter 7Chapter 13 Court filing fee$338$313 Credit counseling~$25~$25 Debtor education~$25~$25 Attorney fees (Phoenix range)$1,000-$2,500$3,000-$5,000 Total estimate$1,388-$2,888$3,363-$5,363 Filing fees can be paid in installments. Fee waivers available for filers below 150% of the federal poverty line. Things to Avoid Before Filing Do not transfer property to friends, family, or trusts Do not pay back relatives - payments within 1 year to insiders can be recovered Do not run up credit card debt - charges over $900 on luxury goods within 90 days are presumed non-dischargeable Do not cash out retirement accounts - they are fully exempt in bankruptcy Do not hide assets - this is federal bankruptcy fraud Free Legal Help in Phoenix Community Legal Services (602-258-3434), Volunteer Lawyers Program of the Maricopa County Bar (602-254-4714) The D. Ariz. bankruptcy clerk's office at 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (Sandra Day O'Connor U.S. Courthouse) can also provide pro se resources. Frequently Asked Questions What documents do I need to file bankruptcy in Phoenix? You need: 6 months of pay stubs, 2 years of tax returns, 3-6 months of bank statements, vehicle titles, mortgage statements, a complete debt list, and credit reports from all three bureaus. Do I need to take a class before filing? Yes. Credit counseling from an approved provider within 180 days before filing. 60-90 minutes, ~$25, available online. Do I need to take a class after filing? Yes. A debtor education course (different from pre-filing counseling) before receiving discharge. ~2 hours, ~$25. How much does it cost to file in Phoenix? Chapter 7: $338 filing fee + ~$1,000-2,500 attorney. Chapter 13: $313 filing fee + ~$3,000-5,000 attorney. Credit counseling: ~$25 each course. Can I file without an attorney? Technically yes (pro se), but not recommended. Community Legal Services (602-258-3434), Volunteer Lawyers Program of the Maricopa County Bar (602-254-4714) may help if you cannot afford an attorney. What should I NOT do before filing? Do not: transfer property, pay back relatives, run up credit card debt, cash out retirement, or hide assets. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Bankruptcy in Avondale, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/avondale.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Avondale, AZ Bankruptcy in Avondale, AZ Avondale is a growing West Valley city near Phoenix Raceway and Luke Air Force Base. With affordable housing and a mix of new and established neighborhoods, Avondale attracts families. Financial pressures from medical debt, consumer debt, and homeownership challenges bring many residents to consider bankruptcy. Key Information for Avondale Residents County Maricopa County Population: ~90,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Avondale 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. Zip Codes Served 8532385392 Arizona Exemptions for Avondale Residents Avondale residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) comfortably protects most Avondale homes. The $6,000 vehicle exemption covers typical equity. Military families at Luke AFB may have additional SCRA protections. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Avondale The Phoenix courthouse at 230 N 1st Ave is approximately 20 miles east. After filing, the automatic stay stops all collection. Your 341 meeting is about 30 days later. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Avondale Residents Avondale residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and DNA People's Legal Services. Military families can access Luke AFB Legal Assistance. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Avondale, AZ Can military families at Luke AFB file bankruptcy? Yes. Active-duty military receive additional SCRA protections, including reduced interest rates on pre-service debts and protection from default judgments. Luke AFB Legal Assistance provides free advice. Is Avondale urban or rural for the homestead exemption? Avondale is classified as urban. Arizona's $250,000 exemption ($500,000 married) applies regardless of lot size. Most Avondale properties are well within the exemption. Can bankruptcy help with payday loan debt? Yes. Payday loans are unsecured debt that is fully dischargeable. The automatic stay stops payday lenders from accessing your bank account. Many people in payday loan cycles find bankruptcy provides the only realistic path out. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertPeoriaSurpriseGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Buckeye, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/buckeye.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Buckeye, AZ Bankruptcy in Buckeye, AZ Buckeye is Arizona's fastest-growing city in the far West Valley. Once a small agricultural town, it has exploded with master-planned communities offering affordable housing. Rapid growth brings financial pressures including overextension on mortgages, consumer debt, and medical bills. Key Information for Buckeye Residents County Maricopa County Population: ~105,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Buckeye 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. Zip Codes Served 8532685396 Arizona Exemptions for Buckeye Residents Buckeye residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) covers Buckeye's affordable homes. Many residents are first-time buyers with minimal equity. The $6,000 vehicle exemption per person is important for Buckeye's long-distance commuters. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Buckeye The Phoenix courthouse at 230 N 1st Ave is approximately 35-40 miles east via I-10 - one of the longest commutes in the metro. Many 341 meetings are by telephone. For in-person hearings, plan for 45-60 minutes. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Buckeye Residents Buckeye residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and DNA People's Legal Services. Credit counseling is available online 24/7. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Buckeye, AZ Is the 35-mile commute to Phoenix courthouse a barrier? The distance can be inconvenient, but many routine matters are by telephone. For contested hearings, you may need to appear at 230 N 1st Ave. Plan for 45-60 minutes. This should not prevent you from filing. Can first-time homebuyers file bankruptcy? Yes. If you just purchased, your equity is likely minimal and Arizona's $250,000 exemption will easily protect it. You must continue mortgage payments to keep the home. Bankruptcy can eliminate other debts straining your budget. Will bankruptcy affect my long commute to Phoenix for work? No. Bankruptcy does not affect employment or commute. The means test allows transportation expense deductions, and a longer commute may increase allowable expenses, helping you qualify for Chapter 7. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertPeoriaSurpriseAvondaleGoodyearFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Chandler, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/chandler.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Chandler, AZ Bankruptcy in Chandler, AZ Chandler is a technology hub in the Southeast Valley, home to major semiconductor and tech companies. With above-average incomes, Chandler attracts professionals and families. Financial crises from medical emergencies, business failure, or unexpected events can make bankruptcy necessary even in prosperous communities. Key Information for Chandler Residents County Maricopa County Population: ~276,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Chandler 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. Zip Codes Served 8522485225852268524485246852488524985286 Arizona Exemptions for Chandler Residents Chandler residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) covers most homes. The $6,000 vehicle exemption per person is reasonable. Arizona requires state exemptions only. Chandler's tech workforce may have stock options or RSUs requiring careful bankruptcy planning. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Chandler The Phoenix courthouse at 230 N 1st Ave is approximately 20-25 miles northwest. After filing, the automatic stay provides immediate relief. Your 341 meeting is about 30 days after filing. High-income residents may need Chapter 13. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Chandler Residents Chandler residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and Arizona Legal Center. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Chandler, AZ How are tech company stock options treated in bankruptcy? Unvested stock options and RSUs are generally property of the bankruptcy estate. Their treatment depends on vesting schedules and transferability. Vested but unexercised options have value that must be disclosed. Can I qualify for Chapter 7 with a high-tech salary? The means test compares your income to Arizona's median. If above, a detailed expense analysis determines eligibility. Many tech workers may need Chapter 13, which allows debt restructuring over 3-5 years while protecting all assets. What happens to my 401(k)? 401(k) plans, IRAs, and ERISA-qualified retirement accounts are fully exempt in Arizona bankruptcy. Your employer's contributions and your account balance are completely protected regardless of amount. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaScottsdaleGlendaleTempeGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Flagstaff, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/flagstaff.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Flagstaff, AZ Bankruptcy in Flagstaff, AZ Flagstaff is a mountain city in northern Arizona, home to Northern Arizona University and a gateway to the Grand Canyon. Located 150 miles north of Phoenix at 7,000 feet, Flagstaff has a unique economy based on tourism, education, healthcare, and government. High cost of living, seasonal employment, and student debt create financial pressures. Key Information for Flagstaff Residents County Coconino County Population: ~76,000 Federal District District of Arizona, Prescott Division All bankruptcy cases from Flagstaff are filed in this district. Nearest Courthouse 101 W Goodwin St, Prescott, AZ 86303 341 meetings and court hearings are typically held at this location. Zip Codes Served 8600186002860038600486011 Arizona Exemptions for Flagstaff Residents Flagstaff residents file in the District of Arizona, Prescott Division (for Coconino County). The Prescott courthouse is at 101 W Goodwin St, Prescott, AZ 86303 - about 90 miles away. Some matters may be heard in Phoenix (150 miles). Arizona's $250,000 homestead exemption ($500,000 married) is important in Flagstaff where housing costs are among Arizona's highest outside Phoenix. Arizona requires state exemptions only. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Flagstaff Flagstaff is the most geographically remote city in this guide. Cases may go to Prescott Division (90 miles) or Phoenix (150 miles). Many 341 meetings are telephonic - a major benefit. Coconino County cases may have different scheduling than Maricopa County. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Prescott Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Flagstaff Residents Flagstaff residents can access DNA People's Legal Services (928-774-0653, headquartered in Flagstaff), NAU legal clinics, Community Legal Services (602-258-3434), and the Coconino County Bar Association. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Flagstaff, AZ Do Flagstaff residents have to travel to Phoenix? Not necessarily. Coconino County cases may go to Prescott Division (101 W Goodwin St, ~90 miles) rather than Phoenix. Many 341 meetings are by telephone, minimizing travel. Is Flagstaff housing expensive enough to exceed the exemption? Flagstaff has some of Arizona's highest housing costs. However, the $250,000 exemption ($500,000 married) still covers most primary residences. If equity exceeds it, Chapter 13 lets you keep your home. Can NAU students file bankruptcy in Flagstaff? Yes, if Flagstaff is your primary residence (majority of past 180 days). Student loans are generally not dischargeable, but bankruptcy can eliminate credit cards, medical bills, and other debts. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Gilbert, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/gilbert.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Gilbert, AZ Bankruptcy in Gilbert, AZ Gilbert is one of the fastest-growing municipalities in the U.S. and a major Southeast Valley suburb. Known for excellent schools and family-friendly atmosphere, Gilbert attracts young families and professionals. Medical emergencies, divorce, business failure, and job loss can create overwhelming debt. Key Information for Gilbert Residents County Maricopa County Population: ~275,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Gilbert 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. Zip Codes Served 85233852348523685295852968529785298 Arizona Exemptions for Gilbert Residents Gilbert residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) comfortably covers most Gilbert properties. The $6,000 vehicle exemption is adequate for typical equity. Gilbert's family demographics mean many filers are concerned about protecting home, vehicles, and children's savings - all receive meaningful Arizona protection. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Gilbert The Phoenix courthouse at 230 N 1st Ave is approximately 25 miles northwest. After filing, the automatic stay provides immediate protection. Your 341 meeting is about 30 days after filing. Some may be telephonic. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Gilbert Residents Gilbert residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and Arizona Legal Center. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Gilbert, AZ Can I protect my children's college savings? 529 education savings plans are protected if established at least two years before filing and contributions were made more than one year before filing. Arizona law provides additional education account protections. Will bankruptcy affect my security clearance? Filing alone typically does not cause loss of a security clearance. Resolving overwhelming debt through bankruptcy can be viewed more favorably than having large unpaid debts. Disclosure is required. How far is the Phoenix courthouse from Gilbert? Approximately 25 miles via Loop 202 and I-10. Plan for 30-45 minutes depending on traffic. Some 341 meetings may be conducted by phone. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempePeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Glendale, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/glendale.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Glendale, AZ Bankruptcy in Glendale, AZ Glendale is a major West Valley city, home to State Farm Stadium. With a mix of working-class and middle-class neighborhoods, Glendale residents face common financial challenges - medical debt, credit card obligations, and mortgage difficulties. Key Information for Glendale Residents County Maricopa County Population: ~252,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Glendale 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. Zip Codes Served 853018530285303853048530585306853078530885310 Arizona Exemptions for Glendale Residents Glendale residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) protects most Glendale homes, which tend to be more affordable than East Valley properties. The $6,000 vehicle exemption covers most vehicle equity. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Glendale The Phoenix courthouse at 230 N 1st Ave is approximately 10 miles southeast - one of the shortest commutes among Phoenix suburbs. After filing, the automatic stay immediately stops wage garnishments, collection calls, lawsuits, and foreclosure. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Glendale Residents Glendale residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and DNA People's Legal Services. The Luke Air Force Base Legal Assistance Office serves eligible military. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Glendale, AZ How close is the bankruptcy courthouse to Glendale? The courthouse at 230 N 1st Ave, Phoenix, AZ 85003 is approximately 10 miles away - one of the shortest commutes among Phoenix suburbs. Can I stop wage garnishment by filing? Yes. Filing triggers the automatic stay, immediately stopping all garnishments. In Arizona, creditors can garnish up to 25% of disposable wages. Once you file, this stops. Is my mobile home protected? Yes. Arizona's homestead exemption applies to mobile homes and manufactured homes that are your primary residence. The $250,000 exemption ($500,000 married) applies regardless of dwelling type. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleTempeGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Goodyear, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/goodyear.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Goodyear, AZ Bankruptcy in Goodyear, AZ Goodyear is one of the fastest-growing West Valley cities, with newer master-planned communities and expanding commercial areas. Many residents moved here for affordable, newer housing and good schools. Rapid growth and new mortgages can lead to financial overextension. Key Information for Goodyear Residents County Maricopa County Population: ~105,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Goodyear 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. Zip Codes Served 853388539585396 Arizona Exemptions for Goodyear Residents Goodyear residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) protects most homes. Many Goodyear homes are new construction with large mortgages but modest actual equity. The $6,000 vehicle exemption per person and $6,000 tools-of-trade exemption cover essentials. Arizona protects up to $300 in bank accounts ($600 family). Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Goodyear The Phoenix courthouse at 230 N 1st Ave is approximately 25 miles east via I-10. After filing, the automatic stay protects you from all creditor actions. Your 341 meeting is about 30 days after filing. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Goodyear Residents Goodyear residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and Arizona Legal Center. Credit counseling is available online 24/7. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Goodyear, AZ I just bought a new home in Goodyear - can I file? Yes. Your homestead exemption protects your equity (likely minimal if recently purchased). You must continue mortgage payments to keep the home. Will bankruptcy affect my HOA? Past-due HOA assessments may be addressed in bankruptcy, but future dues continue. The HOA will be notified as a creditor if you owe money. Your community membership is not affected. Can I stop a foreclosure in Goodyear? Yes. The automatic stay immediately stops foreclosure. Chapter 13 allows catch-up on missed payments over 3-5 years. Arizona foreclosures are typically non-judicial and move quickly - filing early is important. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertPeoriaSurpriseAvondaleBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy by City - Phoenix Area Suburbs Source: https://phoenixbankruptcy.org/cities/ Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities & Suburbs Bankruptcy by City - Phoenix Area Find bankruptcy information specific to your Phoenix area city or suburb. Each page covers courthouse locations, Arizona exemptions, local legal resources, zip codes, and what to expect when filing from your community. Phoenix Area Cities & Suburbs Click on your city for a comprehensive bankruptcy guide specific to your location. Mesa Maricopa County Pop. ~509,000 Zip codes: 85201, ... Chandler Maricopa County Pop. ~276,000 Zip codes: 85224, ... Scottsdale Maricopa County Pop. ~242,000 Zip codes: 85250, ... Glendale Maricopa County Pop. ~252,000 Zip codes: 85301, ... Tempe Maricopa County Pop. ~185,000 Zip codes: 85281, ... Gilbert Maricopa County Pop. ~275,000 Zip codes: 85233, ... Peoria Maricopa County (parts in Yavapai County) Pop. ~191,000 Zip codes: 85345, ... Surprise Maricopa County Pop. ~143,000 Zip codes: 85374, ... Avondale Maricopa County Pop. ~90,000 Zip codes: 85323, ... Goodyear Maricopa County Pop. ~105,000 Zip codes: 85338, ... Buckeye Maricopa County Pop. ~105,000 Zip codes: 85326, ... Flagstaff Coconino County Pop. ~76,000 Zip codes: 86001, ... Frequently Asked Questions Which bankruptcy court do Phoenix area suburbs file in? Most Phoenix area suburbs file in the same federal district court. Click on your city above for specific courthouse information, driving distances, and local resources. Are Arizona exemptions the same across all Phoenix suburbs? Arizona exemptions apply statewide, so all Phoenix area residents have the same property protections. However, the county you live in determines which federal district handles your case. View Arizona exemptions. How do I find a bankruptcy attorney near me in the Phoenix area? Each city page above includes local legal aid resources, bar association referral services, and law school clinics. Many attorneys offer free initial consultations. You can also check our legal aid directory. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Browse Other Metro Areas Kansas CityHoustonMiamiPhoenixMinneapolisSt. LouisView All Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 Most-read OBP guides Brunner Test (§523(a)(8)) 3-prong analysis for discharging student loans Car Loan After Bankruptcy Buy a car and get financing post-discharge Student Loans in Bankruptcy Can you discharge them? 2026 guide Federal Exemptions §522(d) Complete list of federal exemptions Nondischargeable Debts List Debts that survive bankruptcy discharge --- ## Bankruptcy in Mesa, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/mesa.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Mesa, AZ Bankruptcy in Mesa, AZ Mesa is the third-largest city in Arizona and the largest suburb in the Phoenix metro area. With a diverse economy spanning aerospace, education, healthcare, and technology, Mesa serves as a major employment center. Like communities across Arizona, Mesa residents can face financial hardship from medical bills, job loss, and consumer debt. Key Information for Mesa Residents County Maricopa County Population: ~509,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Mesa 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. Zip Codes Served 85201852028520385204852058520685207852088520985210852128521385215 Arizona Exemptions for Mesa Residents Mesa residents file in the District of Arizona, Phoenix Division. Arizona's homestead exemption is $250,000 per individual ($500,000 for married couples). The vehicle exemption is $6,000 per person. Arizona does not allow federal exemptions. Mesa's relatively affordable housing means most homeowners' equity is well within the exemption. Retirement accounts are fully exempt. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Mesa The Phoenix bankruptcy courthouse at 230 N 1st Ave is approximately 15-20 miles west via US-60 or Loop 202. After filing, the automatic stay immediately halts all collection activity, including wage garnishments and foreclosure. Your 341 meeting is about 30 days after filing. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Mesa Residents Mesa residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and Arizona Legal Center. ASU's law school clinics may accept pro bono bankruptcy cases. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Mesa, AZ What is the homestead exemption for Mesa residents? Arizona's homestead exemption is $250,000 per individual ($500,000 for married couples). This protects equity in your primary residence. Mesa's median home values mean most homeowners are fully protected. Arizona does not allow federal exemptions. Can I keep my car if I file bankruptcy in Mesa? Arizona allows a $6,000 vehicle exemption per person ($12,000 for a couple). If your car equity is less than $6,000, it is fully protected. If you have a car loan, you can reaffirm in Chapter 7 or catch up in Chapter 13. How does Arizona's garnishment law compare to bankruptcy? Arizona allows wage garnishment of up to 25% of disposable earnings. Filing bankruptcy stops all garnishments immediately through the automatic stay. Many Mesa residents file specifically to stop active garnishments. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities ChandlerScottsdaleGlendaleTempeGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Peoria, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/peoria.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Peoria, AZ Bankruptcy in Peoria, AZ Peoria spans the northwest Phoenix metro, from urban neighborhoods near Glendale to newer far-northwest developments. Home to spring training baseball and Lake Pleasant, Peoria has a diverse economy. Residents face pressures from medical bills, consumer debt, and homeownership challenges. Key Information for Peoria Residents County Maricopa County (parts in Yavapai County) Population: ~191,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Peoria 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. Zip Codes Served 853458538085381853828538385385 Arizona Exemptions for Peoria Residents Peoria residents file in the District of Arizona, Phoenix Division. Most of Peoria is in Maricopa County, though the far north reaches Yavapai County - all file in Phoenix. Arizona's $250,000 homestead exemption ($500,000 married) covers most homes. The $6,000 vehicle and $6,000 tools-of-trade exemptions protect essentials. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Peoria The Phoenix courthouse at 230 N 1st Ave is approximately 15-25 miles southeast depending on location. After filing, the automatic stay stops all collection. Your 341 meeting is about 30 days later. Chapter 7 concludes in 3-4 months. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Peoria Residents Peoria residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and DNA People's Legal Services. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Peoria, AZ I live in the Yavapai County part of Peoria - where do I file? All Peoria residents file in the District of Arizona. The Phoenix Division at 230 N 1st Ave handles Maricopa County cases. Yavapai County portions may be assigned to Prescott Division, but most Peoria cases go to Phoenix. Can bankruptcy help if I am behind on my mortgage? Yes. Chapter 13 allows catch-up on missed payments over 3-5 years while keeping your home. The automatic stay stops foreclosure immediately. Chapter 7 provides temporary relief but does not cure arrears. Will I lose my boat at Lake Pleasant? A boat is personal property. Arizona's exemptions may protect a modest-value boat. If it exceeds available exemptions, the Chapter 7 trustee could sell it. Chapter 13 lets you keep all property by paying creditors the non-exempt value over your plan. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Scottsdale, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/scottsdale.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Scottsdale, AZ Bankruptcy in Scottsdale, AZ Scottsdale is one of Arizona's most affluent communities, known for luxury resorts, art galleries, and upscale dining. With high property values and a tourism economy, Scottsdale residents can face unique financial challenges. Business failure, divorce, and real estate downturns affect people at every income level. Key Information for Scottsdale Residents County Maricopa County Population: ~242,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Scottsdale 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. Zip Codes Served 8525085251852538525485255852578525885259852608526285266 Arizona Exemptions for Scottsdale Residents Scottsdale residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) is important here where home values often exceed the exemption. If your equity exceeds the exemption, Chapter 13 may be better - it lets you keep all property while repaying creditors. Arizona's $6,000 vehicle and $6,000 tools-of-trade exemptions protect essential assets. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Scottsdale The Phoenix courthouse at 230 N 1st Ave is approximately 10-20 miles southwest. After filing, the automatic stay halts all collection. High-asset cases may receive additional trustee scrutiny. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Scottsdale Residents Scottsdale residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and the State Bar of Arizona Lawyer Referral Service. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Scottsdale, AZ My home is worth more than the exemption - what happens? If your equity exceeds $250,000 ($500,000 married), the Chapter 7 trustee could sell your home, pay you the exempt amount, and distribute the rest to creditors. Chapter 13 avoids this - you keep all property while repaying creditors over 3-5 years. Can I protect my small business? If a sole proprietorship, its assets are part of your estate. LLCs/corporations are separate entities, but your ownership interest is an asset. Arizona's tools-of-trade exemption protects $6,000 in equipment. Chapter 13 lets you keep operating. Will bankruptcy affect my ability to buy or sell property? During an active Chapter 7 (3-4 months), you need court permission for real property transactions. After discharge, you can freely transact. Mortgages are possible within 2-4 years depending on lender and chapter filed. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerGlendaleTempeGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Surprise, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/surprise.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Surprise, AZ Bankruptcy in Surprise, AZ Surprise is a fast-growing far West Valley city, popular with retirees and young families. Known for Sun City communities, Surprise has a diverse population. Medical debt, fixed-income challenges, and consumer debt are common reasons residents consider bankruptcy. Key Information for Surprise Residents County Maricopa County Population: ~143,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Surprise 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. Zip Codes Served 8537485378853798538785388 Arizona Exemptions for Surprise Residents Surprise residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption ($500,000 married) fully protects most homes. For retirees, Social Security and retirement accounts are fully exempt. Arizona's $6,000 vehicle exemption per person protects most equity. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Surprise The Phoenix courthouse at 230 N 1st Ave is approximately 30-35 miles southeast. Plan for 40-50 minutes. Some 341 meetings are by telephone, benefiting Surprise residents. After filing, the automatic stay provides immediate protection. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Surprise Residents Surprise residents can access Community Legal Services (602-258-3434), the Maricopa County Bar Association, and the West Valley Bar Association. AARP provides free resources for seniors. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Surprise, AZ Are my Social Security benefits protected? Yes. Social Security is fully exempt and cannot be seized by the trustee. It can also be excluded from the means test, making it easier for retirees to qualify for Chapter 7. Can I keep my Sun City home? Yes. Your primary residence is protected by Arizona's $250,000 exemption ($500,000 married). Most Sun City homes are well within this limit. HOA dues are ongoing and not dischargeable, but past-due amounts may be addressed. Is the drive to Phoenix courthouse a problem? The 30-35 mile commute can be inconvenient, but many 341 meetings are by telephone. For contested matters, you may need to appear at 230 N 1st Ave, Phoenix, AZ 85003. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleTempeGilbertPeoriaAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Tempe, AZ - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/cities/tempe.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCitiesFAQOBP Home » Cities » Tempe, AZ Bankruptcy in Tempe, AZ Tempe is a vibrant East Valley city, home to Arizona State University. With a large student and young professional population, Tempe residents face unique challenges including student loan debt, high rental costs, and early-career income limitations. While student loans are generally not dischargeable, bankruptcy can eliminate other debts. Key Information for Tempe Residents County Maricopa County Population: ~185,000 Federal District District of Arizona, Phoenix Division All bankruptcy cases from Tempe 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. Zip Codes Served 852818528285283852848528585287 Arizona Exemptions for Tempe Residents Tempe residents file in the District of Arizona, Phoenix Division. Arizona's $250,000 homestead exemption protects most homes. For renters (common in Tempe), personal property exemptions protect household goods ($6,000), clothing ($500), and other possessions. Arizona's $6,000 vehicle exemption is per person. Exemptions determine what property you can keep in bankruptcy. See the full Arizona exemptions guide. What to Expect Filing from Tempe The Phoenix courthouse at 230 N 1st Ave is approximately 10 miles northwest. After filing, the automatic stay protects you. For students, note that student loans are generally not dischargeable unless you demonstrate undue hardship. Bankruptcy can eliminate credit cards, medical bills, and other debt. The Filing Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). Available online 24/7. File your petition - Your petition is filed with the District of Arizona, Phoenix Division. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, attend a brief meeting of creditors. Bring photo ID and your Social Security card. Many meetings are now by phone. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year repayment plan. Local Resources for Tempe Residents Tempe residents have excellent resources through ASU's Sandra Day O'Connor College of Law clinics, Community Legal Services (602-258-3434), and the Maricopa County Bar Association. Before You File Gather your financial documents: pay stubs, tax returns, bank statements, and a list of all debts Complete a pre-filing credit counseling course from a U.S. Trustee-approved provider Consult with a qualified bankruptcy attorney about your specific situation Understand the difference between Chapter 7 and Chapter 13 Check whether a prior discharge affects your eligibility using the 1328(f) screener Frequently Asked Questions - Tempe, AZ Can I discharge student loans by filing bankruptcy? Student loans are generally not dischargeable unless you prove undue hardship through an adversary proceeding (a high standard). However, discharging other debts can free up income to better manage student loan payments. I rent in Tempe - what assets are protected? Renters cannot use the homestead exemption, but Arizona protects household furnishings ($6,000), clothing ($500), bank deposits ($300 single), tools of trade ($6,000), and vehicles ($6,000 per person). Will bankruptcy affect my ASU enrollment or financial aid? Filing does not affect enrollment or federal financial aid (Pell Grants, Stafford Loans). Private student loans obtained after filing may require a cosigner. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Other Phoenix Area Cities MesaChandlerScottsdaleGlendaleGilbertPeoriaSurpriseAvondaleGoodyearBuckeyeFlagstaffAll Cities → Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Converting Between Bankruptcy Chapters in Phoenix Source: https://phoenixbankruptcy.org/converting-chapters.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Converting Chapters Converting Between Bankruptcy Chapters in Phoenix Sometimes the chapter you filed under is not the right fit. Federal law allows you to convert between chapters, and District of Arizona filers should understand their rights and limitations. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. You have an absolute right to convert under section 1307(a), as long as your case did not start as Chapter 7. File a motion in the District of Arizona and the conversion is automatic. Converting Chapter 13 to Chapter 7 Under 11 U.S.C. section 1307(a), you have an absolute right to convert from Chapter 13 to Chapter 7, as long as your case was not originally a Chapter 7 that was converted to Chapter 13. This right cannot be denied by the court. Common when you lose income and can no longer afford plan payments You must still pass the means test for Chapter 7 - Arizona median income for one person is $56,381 Any payments already made to creditors through your Chapter 13 plan are not returned to you Your Arizona exemptions apply - including the $250,000 homestead exemption The automatic stay remains in effect during conversion Converting Chapter 7 to Chapter 13 Under 11 U.S.C. section 706(a), you have a one-time right to convert from Chapter 7 to Chapter 13, provided you are eligible for Chapter 13 (regular income and debts within limits). Common reasons include: You are about to lose your home or vehicle and need the repayment plan structure The Chapter 7 trustee identified non-exempt assets you want to protect You have debts that are non-dischargeable in Chapter 7 but can be managed in Chapter 13 (such as certain tax debts) Your income increased and you no longer pass the means test Chapter 13 debt limits: unsecured debts must be under $526,700 and secured debts under $1,580,125 (effective April 1, 2025). Phoenix-Specific Considerations Homestead: Arizona's $250,000 homestead exemption applies in both chapters. Converting to protect your home may be unnecessary if your equity is already exempt. Vehicle: Arizona exempts $6,000 per vehicle ($12,000 if disabled). If your vehicle equity exceeds this, Chapter 13 lets you keep it by paying the excess through the plan. Foreclosure: Non-judicial foreclosure, typically taking about 90 days. Arizona has an anti-deficiency statute on purchase-money mortgages for single-family homes under 2.5 acres. If you are behind on your mortgage, converting to Chapter 13 lets you cure arrears over 3-5 years. Filing location: Conversions are filed in the same court - the District of Arizona at 230 N 1st Ave, Phoenix, AZ 85003. Frequently Asked Questions Can I convert from Chapter 13 to Chapter 7 in Phoenix? Yes. You have an absolute right to convert under section 1307(a), as long as your case did not start as Chapter 7. File a motion in the District of Arizona and the conversion is automatic. Can I convert from Chapter 7 to Chapter 13 in Phoenix? Yes. You have a one-time right under section 706(a) if you are eligible for Chapter 13. This is common when you need to save a home or vehicle. Do I need court permission to convert? For Chapter 13 to Chapter 7, no - it is an absolute right. For Chapter 7 to Chapter 13, the court must confirm you are eligible but the conversion itself is a right. What happens to my automatic stay when I convert? The automatic stay continues throughout the conversion. There is no gap in protection. Can I convert more than once? You can convert from Chapter 13 to Chapter 7 only once per case. You can convert from Chapter 7 to Chapter 13 only once per case. Serial conversions are not permitted. How long does conversion take? In the District of Arizona, conversion is typically processed within a few days of filing the motion. The case then proceeds under the new chapter with new deadlines. Compare Your Chapter Options Chapter 7 vs 13 Means Test Guide Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Phoenix Bankruptcy Cost [2026]: $338 Chapter 7 Filing Fee, AZ Attorney Fees, and Fee Waivers Source: https://phoenixbankruptcy.org/cost.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Cost How Much Does Bankruptcy Cost in Phoenix? Bankruptcy has real costs, but they are often far less than the debt you are trying to eliminate. Here is a transparent breakdown of every cost you should expect. $338 Chapter 7 Filing Fee $313 Chapter 13 Filing Fee $25-50 Credit Counseling (2 courses) $1,000-$4,500 Typical Attorney Fees The Chapter 7 filing fee is $338. Attorney fees in Phoenix typically range from $1,000-$2,000. Credit counseling courses cost about $25-50 total (two required). The total cost is typically $1,400-$2,400. Fee waivers are available if your income is below 150% of the federal poverty guidelines. Chapter 7 Cost Breakdown Cost ItemAmountNotes Court filing fee$338Can pay in installments; fee waiver available Attorney fees$1,000-$2,000Typical Phoenix range; usually paid upfront Pre-filing credit counseling$15 - $25Required within 180 days before filing Post-filing debtor education$10 - $25Required before discharge Credit report$0 - $30Free from annualcreditreport.com Total estimate$1,400-$2,400 Fee Waiver (Chapter 7 Only) If your household income is below 150% of the federal poverty guidelines, you can apply to have the $338 filing fee waived entirely. For 2026, 150% of poverty for a single person is approximately $22,590. You file the fee waiver application (Official Form 103B) with your petition. Chapter 13 Cost Breakdown Cost ItemAmountNotes Court filing fee$313Can be paid through your plan Attorney fees$3,000-$4,500Typical Phoenix range; mostly paid through plan Pre-filing credit counseling$15 - $25Required within 180 days before filing Post-filing debtor education$10 - $25Required before discharge Total estimate$3,400-$4,900Most paid through plan, not upfront The Chapter 13 Payment Advantage A major advantage of Chapter 13 is that attorney fees and the filing fee can be included in your repayment plan. You typically need only a small upfront payment (often $0-$500), with the rest paid through your monthly plan payments over 3-5 years. Ways to Reduce Costs Free and Low-Cost Options Community Legal Services - provides free legal services for qualifying low-income individuals Fee waiver - eliminates the $338 Chapter 7 filing fee for income below 150% of poverty Installment payments - pay the filing fee in up to 4 installments over 120 days Pro se filing - filing without an attorney is possible but not recommended (16.2% of D. Ariz. filers do this) Reduced-fee credit counseling - many approved agencies offer reduced fees for low-income filers Frequently Asked Questions How much does Chapter 7 cost in Phoenix? The filing fee is $338. Attorney fees typically range from $1,000-$2,000. Total is typically $1,400-$2,400. Fee waivers are available for low-income filers. National cost comparison. How much does Chapter 13 cost in Phoenix? The filing fee is $313 and attorney fees typically range from $3,000-$4,500. Most costs can be paid through your repayment plan. Can I file bankruptcy for free? The filing fee can be waived in Chapter 7 if your income is below 150% of poverty. Community Legal Services may provide free representation. Do I have to pay an attorney upfront? For Chapter 7, most attorneys require full payment before filing. For Chapter 13, fees are typically included in your repayment plan. Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Bankruptcy by County - Phoenix Metro Area Source: https://phoenixbankruptcy.org/counties.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCountiesFAQOBP Home›Counties Bankruptcy by County - Phoenix Metro Area Your county determines which federal court handles your bankruptcy case and which state exemptions protect your property. Find your county below for specific information. The Phoenix metro area covers 3 counties: Maricopa County, Pinal County, Yavapai County. Each county falls under a specific federal bankruptcy court district. 3 Counties in the Phoenix Metro 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. District: District of Arizona (Phoenix Division) Courthouse: 230 N 1st Ave, Phoenix, AZ 85003 Maricopa County bankruptcy guide → Pinal County Pinal County lies between Phoenix and Tucson and includes fast-growing cities like Casa Grande, Florence, and parts of the San Tan Valley. Cases are filed in the Phoenix Division of the District of Arizona. District: District of Arizona (Phoenix Division) Courthouse: 230 N 1st Ave, Phoenix, AZ 85003 Pinal County bankruptcy guide → Yavapai County Yavapai County is in central Arizona, home to Prescott and Sedona. While part of the greater Phoenix metro for some purposes, it has its own division within the District of Arizona. District: District of Arizona (Prescott Division) Courthouse: 1 E Butte St, Prescott, AZ 86301 (Note: most hearings may be conducted in Phoenix or by phone) Yavapai County bankruptcy guide → Frequently Asked Questions Which counties are in the Phoenix bankruptcy metro area? The Phoenix metro area covers 3 counties: Maricopa County, Pinal County, Yavapai County. Each county falls under a specific federal bankruptcy court district. Does it matter which county I live in for bankruptcy? Yes. Your county determines which federal district court handles your case, and potentially which state exemptions apply. Different districts may have different local rules, trustees, and dismissal rates. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility. Free Discharge Screener Browse Other Cities Houston Miami Phoenix Minneapolis St. Louis New York Newark San Antonio Kansas City View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Bankruptcy in Maricopa County - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/counties/maricopa-county.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCountiesFAQOBP Home » Counties » Maricopa County 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. 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. 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 Credit counseling - Complete an approved course within 180 days before filing ($15-25). File your petition - The petition is filed with the District of Arizona (Phoenix Division). The automatic stay takes effect immediately. 341 meeting - About 30 days after filing, attend a brief meeting of creditors at 230 N 1st Ave, Phoenix, AZ 85003. Debtor education - Complete a second financial course before discharge ($10-25). 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 $31,575 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 Pinal County Yavapai County All Counties → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Pinal County - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/counties/pinal-county.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCountiesFAQOBP Home » Counties » Pinal County Bankruptcy in Pinal County Pinal County lies between Phoenix and Tucson and includes fast-growing cities like Casa Grande, Florence, and parts of the San Tan Valley. Cases are filed in the Phoenix Division of the District of Arizona. Pinal County residents file in the District of Arizona, Phoenix Division. The courthouse is at 230 N 1st Ave, Phoenix, AZ 85003. Although Pinal County is between Phoenix and Tucson, it falls under the Phoenix Division. Key Information Federal District District of Arizona (Phoenix Division) All bankruptcy cases from Pinal 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 Pinal County Arizona state or federal exemptions apply. State homestead: $250,000. Vehicle: $6,000. Personal property: $6,000 household goods. Wildcard: $300. Tools of trade: $5,000. Arizona allows the choice between state and federal exemption schemes. Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide. Filing Bankruptcy in Pinal County The Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). File your petition - The petition is filed with the District of Arizona (Phoenix Division). The automatic stay takes effect immediately. 341 meeting - About 30 days after filing, attend a brief meeting of creditors at 230 N 1st Ave, Phoenix, AZ 85003. Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan. Frequently Asked Questions Where do Pinal County residents file bankruptcy? Pinal County residents file in the District of Arizona, Phoenix Division. The courthouse is at 230 N 1st Ave, Phoenix, AZ 85003. Although Pinal County is between Phoenix and Tucson, it falls under the Phoenix Division. What is the homestead exemption in Pinal County? Arizona's state homestead exemption protects up to $250,000 of equity in your primary residence. Alternatively, you can choose the federal homestead exemption of approximately $31,575 per person. Most Pinal County homeowners benefit from the state exemption. Is Pinal County growing in bankruptcy filings? Pinal County has seen significant population growth, which can correlate with increased bankruptcy filings. The area's rapid development and housing market fluctuations have affected many residents. Cases are handled through the Phoenix Division. 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 Maricopa County Yavapai County All Counties → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Bankruptcy in Yavapai County - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/counties/yavapai-county.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCountiesFAQOBP Home » Counties » Yavapai County Bankruptcy in Yavapai County Yavapai County is in central Arizona, home to Prescott and Sedona. While part of the greater Phoenix metro for some purposes, it has its own division within the District of Arizona. Yavapai County cases are generally assigned to the District of Arizona. While there is a federal building in Prescott, most bankruptcy hearings are conducted at the Phoenix courthouse (230 N 1st Ave) or by telephone/video conference. Key Information Federal District District of Arizona (Prescott Division) All bankruptcy cases from Yavapai County are filed in this district. Nearest Courthouse 1 E Butte St, Prescott, AZ 86301 (Note: most hearings may be conducted in Phoenix or by phone) 341 meetings and court hearings are typically held at this location. Arizona Exemptions in Yavapai County Arizona state or federal exemptions apply. State homestead: $250,000. Vehicle: $6,000. Personal property: $6,000 household goods. Wildcard: $300. Tools of trade: $5,000. Filers may choose between state and federal exemption schemes. Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide. Filing Bankruptcy in Yavapai County The Process Credit counseling - Complete an approved course within 180 days before filing ($15-25). File your petition - The petition is filed with the District of Arizona (Prescott Division). The automatic stay takes effect immediately. 341 meeting - About 30 days after filing, attend a brief meeting of creditors at 1 E Butte St, Prescott, AZ 86301 (Note: most hearings may be conducted in Phoenix or by phone). Debtor education - Complete a second financial course before discharge ($10-25). Discharge - Chapter 7: approximately 60 days after the 341 meeting. Chapter 13: after completing 3-5 year plan. Frequently Asked Questions Which court division handles Yavapai County bankruptcies? Yavapai County cases are generally assigned to the District of Arizona. While there is a federal building in Prescott, most bankruptcy hearings are conducted at the Phoenix courthouse (230 N 1st Ave) or by telephone/video conference. Do the same Arizona exemptions apply in Yavapai County? Yes. Arizona exemptions apply uniformly statewide. You can choose between the state exemption scheme ($250,000 homestead) or the federal exemptions ($31,575 homestead per person). The choice that protects more of your property depends on your individual situation. How does rural property affect exemptions in Yavapai County? Arizona's homestead exemption applies to your primary residence regardless of whether it is urban or rural. The $250,000 state exemption covers the equity in your home. If you own significant acreage, the land must be part of your homestead to be protected. 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 Maricopa County Pinal County All Counties → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Free, open-source bankruptcy transparency. No ads. No affiliate links. Supported by donations. An Open Bankruptcy Project resource Data sourced from the Federal Judicial Center Integrated Database (2008--2024). This site provides general information, not legal advice. Consult a qualified attorney for your specific situation. © 2026 Open Bankruptcy Project. GitHub You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5 --- ## Phoenix Federal Bankruptcy Court Guide - D. Arizona Filing Information [2026] Source: https://phoenixbankruptcy.org/court-guide.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostFAQOBP Home›Phoenix Bankruptcy Guide›Court Guide Phoenix Federal Bankruptcy Court Guide Everything you need to know about the United States Bankruptcy Court for the District of Arizona. Address, filing hours, local rules, trustee panel, and pro se resources. File at the Sandra Day O'Connor U.S. Courthouse, 401 W. Washington St, Phoenix, AZ 85003. Complete credit counseling first, prepare your petition and schedules, and pay the filing fee. Attorneys must file electronically through CM/ECF. Court Location and Contact United States Bankruptcy Court for the District of Arizona Sandra Day O'Connor U.S. Courthouse, 401 W. Washington St, Suite 101, Phoenix, AZ 85003 Phone: (602) 682-4000 Website: https://www.azb.uscourts.gov CM/ECF: https://ecf.azb.uscourts.gov PACER: pacer.uscourts.gov Filing Hours and Procedures Filing Hours: Monday-Friday, 9:00 AM - 4:00 PM MST. Electronic filing (CM/ECF) available 24/7. Filing Fees: Chapter 7: $338 | Chapter 13: $313 | Chapter 11: $1,738 Fee Waivers: Available for Chapter 7 filers with income below 150% of the federal poverty line. Chapter 13 filers may request installment payments. Electronic Filing: Attorneys must file through CM/ECF. Pro se debtors may file on paper at the clerk's window or request CM/ECF access. Local Rules: https://www.azb.uscourts.gov/local-rules-and-orders Trustee Panel Information Chapter 7 trustees are assigned from the U.S. Trustee panel for Region 14. Standing Chapter 13 Trustees serve the Phoenix and Tucson divisions. The U.S. Trustee Program oversees the administration of bankruptcy cases and maintains the panel of private trustees. You can find the current trustee panel at justice.gov/ust. 341 Meeting of Creditors Location: 341 meetings for the Phoenix división are held at the Sandra Day O'Connor U.S. Courthouse, 401 W. Washington St, Phoenix, AZ 85003, or by phone/video. What to Bring: Government-issued photo ID, proof of Social Security number, most recent tax return, recent pay stubs, and recent bank statements. Timing: The 341 meeting is typically scheduled 20-40 days after filing. You will receive a notice with the exact date, time, and format. For more: 341meeting.org. Pro Se Resources The D. Arizona provides a Self-Help Center with resources for pro se filers. Petition packages and instructional materials are available. Community Legal Services may offer free assistance. Required Forms: All bankruptcy forms are available at uscourts.gov/forms/bankruptcy-forms. Credit Counseling: You must complete credit counseling from an approved agency before filing. List of approved agencies: justice.gov/ust. For more pro se filing resources: prosebankruptcy.org | filebankruptcywithoutlawyer.com. Local Filing Statistics 15,000+ Total Cases in FJC Data 65% Chapter 7 Filings 30% Chapter 13 Filings $338 Chapter 7 Filing Fee Based on publicly available filing data for D. Arizona. Source: Federal Judicial Center Integrated Database. Attorney fee ranges are estimates based on local market data. Exemptions: Arizona allows debtors to choose between federal and state exemptions. The Arizona homestead exemption protects up to $250,000 in equity. Vehicle exemption is $6,000. For detailed exemption information: bankruptcyexemptionsbystate.com. Frequently Asked Questions How do I file bankruptcy in Phoenix? File at the Sandra Day O'Connor U.S. Courthouse, 401 W. Washington St, Phoenix, AZ 85003. Complete credit counseling first, prepare your petition and schedules, and pay the filing fee. Attorneys must file electronically through CM/ECF. What are the filing fees in the District of Arizona? Chapter 7 costs $338 and Chapter 13 costs $313. You can pay in installments or apply for a fee waiver. Attorney fees in Phoenix typically range from $1,000-$2,000 for Chapter 7 and $2,500-$4,500 for Chapter 13. Can I choose federal or state exemptions in Arizona? Yes. Arizona allows you to choose between federal exemptions under 11 U.S.C. sec. 522(d) or Arizona state exemptions under A.R.S. sec. 33-1121 et seq. You cannot mix and match - you must choose one system. Does Arizona have a high rate of bankruptcy filings? Arizona consistently ranks among the top states for per-capita bankruptcy filings. The D. Arizona processes a high volume of cases, with approximately 65% being Chapter 7 filings. Where are 341 meetings held in Phoenix? 341 meetings for the Phoenix división are held at the Sandra Day O'Connor Courthouse, 401 W. Washington St, or by phone/video conference. Your notice will specify the exact format and time. Related Resources 341meeting.org prosebankruptcy.org Means Test Exemptions by State Cost Guide Back to Phoenix Guide The Open Bankruptcy Project Network - 170+ Free Resources + Every site below is free, ad-free, and built on real federal court data. No lead generation. No sponsored content. Just information. openbankruptcyproject.org 1328f.com 1328f.org automaticstay.org chapter7vs13.org 341meeting.org bankruptcymeanstest.org howmuchdoesbankruptcycost.com bankruptcyexemptionsbystate.com prosebankruptcy.org 213+ domains. 44,000+ pages. $0 advertising. No lead generation. Just information. Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Exemptions Bankruptcy Cost Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 --- ## Rebuilding Credit After Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/credit-after-bankruptcy.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Credit After Bankruptcy Rebuilding Credit After Bankruptcy in Phoenix Bankruptcy is not the end of your financial life - it is a fresh start. Here is a practical timeline and action plan for Phoenix residents to rebuild credit after bankruptcy. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Chapter 7 stays on your credit report for 10 years from the filing date. Chapter 13 stays for 7 years. However, the impact on your score diminishes significantly after 2-3 years with active rebuilding. Your Credit Score After Bankruptcy Most people see a significant drop in their credit score when bankruptcy is filed, but the actual impact depends on where your score was before filing. Many filers report scores in the 500-550 range immediately after discharge. The good news: your score will start climbing immediately if you take the right steps. Most Phoenix filers can reach the 650-700 range within 18-24 months of discharge. 10 yrs Ch. 7 on credit report 7 yrs Ch. 13 on credit report 18 mo Typical time to 650+ score 2 yrs FHA mortgage eligible Step-by-Step Credit Rebuilding Plan 1Get a secured credit card (Month 1) Deposit $200-500 which becomes your credit limit. Use for small purchases and pay the full balance monthly. Desert Financial Credit Union, OneAZ Credit Union, Arizona Federal Credit Union all offer secured cards. 2Become an authorized user (Month 1-3) Ask a family member with good credit to add you as an authorized user. Their positive payment history will appear on your credit report. 3Get a credit-builder loan (Month 3-6) The bank holds the loan amount in savings while you make payments. After payoff, you get the money. This adds an installment loan to your credit mix. 4Monitor your credit reports (Ongoing) Check all three bureaus regularly. Dispute any debts that should show as discharged but still appear active. 5Apply for an unsecured card (Month 12-18) After 12-18 months of on-time payments, you should qualify for an unsecured card. Some issuers auto-graduate secured cards. Major Purchase Timeline After Bankruptcy PurchaseAfter Chapter 7After Chapter 13 Credit cardImmediatelyImmediately Car loanImmediatelyImmediately (with court approval) FHA mortgage2 years after discharge1 year into plan (with approval) Conventional mortgage4 years after discharge2 years after discharge VA mortgage2 years after discharge1 year after discharge USDA mortgage3 years after discharge1 year after discharge Local Resources for Phoenix Residents Credit Unions Desert Financial Credit Union, OneAZ Credit Union, Arizona Federal Credit Union are excellent options for post-bankruptcy banking and credit rebuilding. Credit unions are member-owned and often more willing to work with people rebuilding after bankruptcy. Legal Aid If you need help with credit report disputes or post-bankruptcy issues: Community Legal Services (602-258-3434), Volunteer Lawyers Program of the Maricopa County Bar (602-254-4714). Frequently Asked Questions How long does bankruptcy stay on my credit report in Arizona? Chapter 7 stays on your credit report for 10 years from the filing date. Chapter 13 stays for 7 years. However, the impact on your score diminishes significantly after 2-3 years with active rebuilding. Can I get a credit card after bankruptcy in Phoenix? Yes. Many people receive offers within weeks of discharge. A secured credit card from Desert Financial Credit Union is the best way to start rebuilding. When can I buy a house after bankruptcy? FHA loans are available 2 years after Chapter 7 discharge or 1 year into a Chapter 13 plan. Conventional loans require a 4-year wait after Chapter 7 or 2 years after Chapter 13 discharge. VA loans require 2 years after Chapter 7. When can I buy a car after bankruptcy? You can buy a car immediately after filing. Interest rates start higher (10-20%) but drop significantly as you rebuild credit. Many lenders specialize in post-bankruptcy auto financing. How fast can I rebuild my credit score? Most people reach 650-700 within 18-24 months of discharge by using a secured credit card responsibly, making all payments on time, and keeping utilization below 30%. Does Arizona have any special credit protection laws? Arizona's moderate exemptions allow most filers to keep essential property while eliminating debt. Desert Financial Credit Union and OneAZ Credit Union both offer secured credit cards and credit-builder loans to Phoenix residents rebuilding after bankruptcy. Arizona's growing economy provides strong employment opportunities during the rebuilding period. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Credit Card Debt and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/credit-card-debt.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Credit Card Debt Credit Card Debt and Bankruptcy in Phoenix Credit card debt is the most common type of unsecured debt discharged in bankruptcy. For Phoenix residents, both Chapter 7 and Chapter 13 can eliminate or restructure credit card balances. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. Credit card debt is unsecured and generally fully dischargeable in both Chapter 7 and Chapter 13 bankruptcy. Most Phoenix filers in the District of Arizona eliminate their credit card balances completely. How Bankruptcy Eliminates Credit Card Debt Chapter 7 Credit card debt is unsecured and generally dischargeable in Chapter 7. Most Phoenix filers receive a complete discharge of credit card balances within 3-4 months of filing. The debt is permanently eliminated through the discharge injunction. Chapter 13 In Chapter 13, credit card debt is paid through your 3-5 year repayment plan based on your disposable income. Unsecured creditors often receive only a fraction of what is owed - sometimes as little as 0%. The remaining balance is discharged at plan completion. When Credit Card Debt Is NOT Dischargeable Under 11 U.S.C. section 523(a)(2), credit card debt incurred through fraud is not dischargeable. The presumption of fraud applies to: Luxury purchases over $900 made within 90 days of filing (single creditor) Cash advances over $1,250 taken within 70 days of filing Charges made with no intent to repay - using cards when you know you cannot pay Materially false credit applications - lying about income or debts These are rebuttable presumptions. You can overcome them by showing you did intend to repay or that the purchases were necessities, not luxuries. Strategies for Phoenix Filers Stop paying credit cards strategically. Once you decide to file, continuing minimum payments depletes funds you will need for the filing fee and attorney costs. However, get legal advice before stopping payments. Do not transfer balances before filing. Balance transfers within 90 days can be challenged as preferential transfers. Stop using credit cards once you decide to file. Charges made after the decision to file are more likely to be found non-dischargeable. Arizona exemptions protect your assets. Phoenix residents benefit from a $250,000 homestead exemption, keeping your home safe while discharging unsecured credit card debt. Frequently Asked Questions Can I discharge credit card debt in bankruptcy in Phoenix? Yes. Credit card debt is unsecured and generally fully dischargeable in both Chapter 7 and Chapter 13 bankruptcy. Most Phoenix filers in the District of Arizona eliminate their credit card balances completely. What if I used my credit card right before filing? Luxury purchases over $900 within 90 days or cash advances over $1,250 within 70 days are presumed fraudulent and may not be dischargeable. Wait at least 90 days after your last significant charge before filing. Will I lose my credit cards if I file bankruptcy? Yes. All credit card accounts included in your bankruptcy will be closed. Credit card companies typically close accounts even if you are current. You can begin rebuilding credit with secured cards after discharge. Can creditors sue me for credit card debt? Yes, but filing bankruptcy stops any lawsuit through the automatic stay. In Arizona, creditors can garnish up to 25% of disposable earnings. Filing before a judgment is entered is generally preferable. How much credit card debt do I need to file bankruptcy? There is no minimum debt requirement. However, the costs of filing (court fees plus attorney fees) should be weighed against the amount of debt. For small amounts, negotiation or debt management may be more practical. Will bankruptcy stop credit card collection calls? Yes. The automatic stay stops all collection activity the moment you file, including phone calls, letters, lawsuits, and garnishment. Violations can result in damages under section 362(k). Ready to Explore Your Options? Chapter 7 vs 13 Free Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Relief from Automatic Stay -- relieffromstay.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Using Credit Cards Before Filing Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/credit-cards-before-filing.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Using Credit Cards Before Filing Bankruptcy Using Credit Cards Before Filing Bankruptcy A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. Using credit cards when you know you will file bankruptcy can be considered fraud. The Bankruptcy Code presumes fraud for luxury goods purchases over $725 within 90 days and cash advances over $1,000 within 70 days of filing. Best practice: stop using all credit cards immediately once you decide to What You Need to Know Using credit cards when you know you will file bankruptcy can be considered fraud. The Bankruptcy Code presumes fraud for luxury goods purchases over $725 within 90 days and cash advances over $1,000 within 70 days of filing. Best practice: stop using all credit cards immediately once you decide to file. The creditor can challenge discharge of those specific charges. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Using Credit Cards Before Filing Bankruptcy Using credit cards when you know you will file bankruptcy can be considered fraud. The Bankruptcy Code presumes fraud for luxury goods purchases over $725 within 90 days and cash advances over $1,000 within 70 days of filing. Best practice: stop using all credit cards immediately once you decide to file. The creditor can challenge discharge of those specific charges. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Types of Debt in Phoenix Bankruptcy Source: https://phoenixbankruptcy.org/debt-types.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Debt Types Types of Debt in Phoenix Bankruptcy Not all debts are treated the same in bankruptcy. Here is a complete guide to which debts can be eliminated and which survive for Phoenix residents. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Most unsecured debts: credit card debt, medical bills, personal loans, utility bills, lease obligations, payday loans, and most lawsuit judgments. Dischargeable Debts Credit card debt: 100% dischargeable (minor exceptions for recent luxury purchases) Medical bills: 100% dischargeable - the #1 cause of bankruptcy Personal loans: Dischargeable including loans from friends and family Utility bills: Past-due amounts dischargeable Payday loans: Fully dischargeable Lawsuit judgments: Most money judgments dischargeable Repossession deficiency: Remaining balance after repo and sale Business debts: Personally guaranteed debts dischargeable Old tax debt: Federal income taxes meeting the 3-2-240 rule Non-Dischargeable Debts Child support and alimony: Never dischargeable Student loans: Presumed non-dischargeable unless undue hardship proven Recent tax debt: Taxes not meeting 3-2-240 rules Debts from fraud: False pretenses, false representation DUI injury debts: Death or personal injury from drunk driving Criminal fines: Court-ordered criminal penalties Government penalties: Non-compensatory fines Secured vs. Unsecured Debt in Arizona Secured Debts Backed by collateral (mortgage, car loan). You must return the collateral or continue paying. Arizona exemptions protect: $250,000 homestead, $6,000 vehicle. Unsecured Debts No collateral (credit cards, medical bills). Typically eliminated entirely in Chapter 7, or paid pennies on the dollar in Chapter 13. Priority Debts Domestic support obligations (child support, alimony) - highest priority Administrative expenses (trustee fees, attorney fees) Priority tax claims (recent income taxes, payroll taxes) Employee wages within 180 days before filing (up to $17,150 per employee) In Chapter 13, all priority debts must be paid in full through your plan. Frequently Asked Questions What debts can be discharged in bankruptcy? Most unsecured debts: credit card debt, medical bills, personal loans, utility bills, lease obligations, payday loans, and most lawsuit judgments. What debts cannot be discharged? Child support/alimony, most student loans, recent tax debts, debts from fraud, DUI injury judgments, criminal fines, and government penalties. Is credit card debt dischargeable? Yes. 100% dischargeable. However, luxury purchases over $900 within 90 days or cash advances over $1,250 within 70 days may be challenged. Can I discharge a car loan in Phoenix? If you surrender the vehicle, the remaining balance is dischargeable. If you keep the car, you continue paying. Arizona's vehicle exemption of $6,000 protects your equity. What about payday loans? Payday loans are generally dischargeable. Courts consistently reject lender arguments that they are non-dischargeable. Are personal loans from family dischargeable? Yes, but payments to family within one year of filing may be recovered by the trustee as preferential transfers. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Debtor Education in Phoenix - Arizona Credit Counseling & Financial Management Source: https://phoenixbankruptcy.org/debtor-education.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsDebtor EducationCostFAQOBP Home›Debtor Education in Phoenix - Arizona Credit Counseling & Financial Management Debtor Education Requirements in Phoenix, Arizona Arizona is a single-district state - every bankruptcy case in the state goes through the D. Ariz. Here is everything Phoenix-area filers need to know about mandatory courses, court locations, Arizona's $250,000 homestead exemption, and community property rules. Phoenix filers must complete two courses: (1) pre-filing credit counseling from a DOJ-approved provider within 180 days before filing, and (2) a post-filing debtor education course before discharge. Arizona does not impose any additional state-level course requirements. Courses cost $10-$50 each and are available online, by phone, or in person. Two Required Courses Federal law (11 U.S.C. sections 109(h) and 111) mandates two educational courses for every individual debtor. Arizona adds no state-level requirements beyond the federal mandate. 1 Pre-Filing Credit Counseling Complete within 180 days before filing. A DOJ-approved agency evaluates your finances and explores alternatives. Takes 60--90 minutes. Can be done online, by phone, or in person at agencies throughout Maricopa County. File the certificate as Official Form 301 with your petition at the Sandra Day O'Connor Courthouse. View DOJ-approved agencies for the D. Ariz. 2 Post-Filing Financial Management Course Complete after filing but before discharge. Covers budgeting, money management, and using credit responsibly. About 2 hours. The provider must be specifically approved for the District of Arizona. File the certificate as Official Form 423. The D. Ariz. clerk tracks this requirement - no certificate, no discharge. The D. Ariz. has a 53.5% Chapter 13 dismissal rate (2008--2024 data). Course completion is one of the easiest requirements to fulfill. Do it early, file the certificate promptly, and eliminate one potential failure point. District of Arizona - Court Locations Arizona has a single federal judicial district covering the entire state. The D. Ariz. bankruptcy court has three locations. Phoenix Division (Main Courthouse) Sandra Day O'Connor U.S. Courthouse 230 N. First Avenue, Suite 101 Phoenix, AZ 85003 Phone: (602) 682-4000 Serves Maricopa, Yavapai, Coconino, Navajo, Apache, Gila, and several other counties. The vast majority of Arizona bankruptcy cases are filed here. 341 meetings are held at the U.S. Trustee's office, 230 N. First Avenue, Suite 204, Phoenix, AZ 85003. Tucson Division James A. Walsh U.S. Courthouse 38 S. Scott Avenue Tucson, AZ 85701 Phone: (520) 202-7500 Serves Pima, Cochise, Graham, Greenlee, and Santa Cruz counties. Yuma Division 325 W. 19th Street, Suite B Yuma, AZ 85364 Phone: (928) 783-2288 Serves Yuma and La Paz counties. Arizona Bankruptcy Exemptions Arizona requires debtors to use state exemptions (A.R.S. Title 33, Chapter 8). Federal exemptions are not available. Arizona is a community property state, which affects how married couples' debts and assets are treated. Arizona's $250,000 Homestead Exemption A.R.S. section 33-1101 protects up to $250,000 of equity in your primary residence. This applies automatically - no homestead declaration is required, though filing one with the county recorder provides notice to creditors. The exemption covers single-family homes, condominiums, mobile homes, and apartments. Arizona's homestead exemption was increased to $250,000 from $150,000 in 2014. PropertyArizona ExemptionStatute Homestead$250,000A.R.S. 33-1101 Motor vehicle$6,000A.R.S. 33-1125(8) Household goods & furniture$6,000 totalA.R.S. 33-1123 Wearing apparel$500A.R.S. 33-1125(1) Musical instruments$400A.R.S. 33-1125(2) Pets, horses, livestock$800A.R.S. 33-1125(3) Tools of trade$5,000A.R.S. 33-1130 Bank deposit (single account)$300A.R.S. 33-1126(A)(8) Retirement (ERISA-qualified)UnlimitedA.R.S. 33-1126(B) Social SecurityUnlimited42 U.S.C. 407 Health aidsUnlimitedA.R.S. 33-1125(6) Life insurance cash value$25,000A.R.S. 33-1126(A)(4) Alimony/Child supportUnlimitedA.R.S. 33-1126(A)(3) Arizona-Specific Rules Community Property State Arizona is one of nine community property states. Property acquired during marriage is presumed to be community property, owned equally by both spouses. In bankruptcy, community property can be used to pay community debts - even if only one spouse files. This creates unique planning considerations. If one spouse has significant separate debts, filing individually may protect community property. Consult an attorney before deciding whether one or both spouses should file. 730-Day Domicile Requirement Under 11 U.S.C. section 522(b)(3), you must have been domiciled in Arizona for at least 730 days before filing to use Arizona exemptions. Phoenix newcomers from other states may need to use their prior state's exemptions. This is especially important for recent arrivals from states with lower homestead exemptions. D. Ariz. Means Test and Arizona Median Income Chapter 7 eligibility requires passing the means test. Arizona median income figures are set by the U.S. Trustee and vary by household size. If your income exceeds the Arizona median for your household size, you face a presumption of abuse in Chapter 7 and may need to file Chapter 13. Arizona Garnishment Protections Outside of bankruptcy, Arizona limits wage garnishment to 25% of disposable earnings or the amount by which weekly earnings exceed 30 times federal minimum wage, whichever is less (A.R.S. section 33-1131). Filing bankruptcy triggers the automatic stay under 11 U.S.C. section 362, which stops all garnishment immediately. Phoenix-Area Legal Aid & Free Resources Community Legal Services (CLS) (602) 258-3434 Arizona's largest legal aid organization. Provides free bankruptcy assistance to qualifying low-income Maricopa County residents. Offices in Phoenix, Mesa, and other Valley locations. Intake hours: Monday--Friday 8:30 AM - 4:30 PM. 305 S. 2nd Avenue, Phoenix, AZ 85003. Southern Arizona Legal Aid (SALA) (520) 623-9465 Serves Tucson and southern Arizona counties. Free legal help for low-income residents including bankruptcy and debt defense. DNA People's Legal Services (928) 871-4151 Serves the Navajo Nation and rural Arizona/Utah/New Mexico. Handles bankruptcy cases for qualifying Native American residents and low-income individuals in underserved areas. Volunteer Lawyers Program (Maricopa County Bar) (602) 254-4714 Matches qualifying Phoenix-area residents with pro bono attorneys. Handles consumer bankruptcy and debt defense cases. Application required through the Maricopa County Bar Association. ASU Sandra Day O'Connor College of Law - Bankruptcy Clinic Arizona State University law students under faculty supervision handle bankruptcy cases for qualifying individuals. Located at the ASU Downtown Phoenix campus near the federal courthouse. University of Arizona Law - Consumer Bankruptcy Assistance James E. Rogers College of Law, 1201 E. Speedway Blvd., Tucson, AZ 85721. Law students assist qualifying Tucson-area residents with consumer bankruptcy filings under faculty supervision. Frequently Asked Questions What debtor education courses are required in Phoenix? Two courses: (1) pre-filing credit counseling within 180 days before filing, and (2) post-filing financial management before discharge. Both from DOJ-approved agencies for the D. Ariz. Courses cost $10--$50 each. Arizona has no additional state requirements beyond the federal mandate. Where is the bankruptcy court in Phoenix? Sandra Day O'Connor U.S. Courthouse, 230 N. First Avenue, Suite 101, Phoenix, AZ 85003. Phone: (602) 682-4000. Arizona is a single-district state with additional divisions in Tucson and Yuma. What is the Arizona homestead exemption? Arizona protects up to $250,000 of equity in your primary residence under A.R.S. 33-1101. The exemption applies automatically to houses, condos, and mobile homes. No homestead declaration is required, though filing one provides additional notice to creditors. How does community property affect bankruptcy in Arizona? Arizona is a community property state. Property acquired during marriage is presumed community property and can be used to pay community debts even if only one spouse files. This creates strategic decisions about individual vs. joint filing. Consult an attorney to evaluate how community property rules affect your specific situation. Where can I get free bankruptcy help in Phoenix? Community Legal Services at (602) 258-3434 is the largest provider in Maricopa County. The Volunteer Lawyers Program at (602) 254-4714 matches qualifying residents with pro bono attorneys. ASU's law school also operates a bankruptcy clinic downtown near the federal courthouse. Open Bankruptcy Project Network Open Bankruptcy Project 1328(f) Screener 1328(f) Research Chapter 7 vs 13 Means Test 341 Meeting Automatic Stay How to File Exemptions by State Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Relief from Automatic Stay -- relieffromstay.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Bankruptcy Disqualifications in Phoenix Source: https://phoenixbankruptcy.org/disqualifications.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Disqualifications Bankruptcy Disqualifications in Phoenix Not everyone can file bankruptcy at any time. Several factors can block or delay your filing in the District of Arizona. Here is what can disqualify you and what you can do about it. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. The main disqualifiers are: time bars from prior discharges, failing the means test for Chapter 7 (income above $56,381 for one person in Arizona without sufficient deductions), prior case dismissed within 180 days, and failure to complete credit counseling. Time Bars: Prior Discharges If you received a bankruptcy discharge in a prior case, federal law imposes waiting periods before you can receive another discharge. Under 11 U.S.C. section 1328(f): Chapter 7 after Chapter 7: Wait 8 years from the prior filing date Chapter 7 after Chapter 13: Wait 6 years from the prior filing date (exception: if you paid 100% of unsecured claims or 70% with best-effort) Chapter 13 after Chapter 7: Wait 4 years from the prior filing date Chapter 13 after Chapter 13: Wait 2 years from the prior filing date Use the 1328(f) screener to check your exact eligibility dates. Means Test Failure If your income is above the Arizona median ($56,381 for one person) and you cannot reduce your disposable income below the threshold through allowed deductions, you may be blocked from Chapter 7. This is not a permanent disqualification - you can: File Chapter 13 instead (no income cap) Wait until your income decreases (the means test uses a 6-month average) Work with an attorney to identify all allowable deductions you may be missing Prior Case Dismissals If a prior bankruptcy case was dismissed, it can affect your ability to file again: Dismissed within 180 days for willful failure to comply: You cannot file a new case for 180 days (section 109(g)(1)) Voluntarily dismissed after a creditor filed for relief from stay: You cannot file for 180 days (section 109(g)(2)) One prior dismissal within the past year: The automatic stay in the new case lasts only 30 days unless extended by court order Two or more prior dismissals within the past year: No automatic stay at all without a court order Other Disqualifying Factors Cannot File At All Did not complete credit counseling within 180 days before filing Not an individual (Chapter 7/13 are for individuals only; businesses use Chapter 11) Within the 180-day bar period from a prior dismissal Stockbrokers and commodity brokers (must use Chapter 7 liquidation under specific rules) May Be Dismissed for Abuse Filing primarily to delay creditors with no intent to complete the case Hiding or transferring assets before filing Incurring luxury debts shortly before filing Making false statements on schedules or Statement of Financial Affairs Failing to file required documents within deadlines Frequently Asked Questions What disqualifies you from filing bankruptcy? The main disqualifiers are: time bars from prior discharges, failing the means test for Chapter 7 (income above $56,381 for one person in Arizona without sufficient deductions), prior case dismissed within 180 days, and failure to complete credit counseling. How long do I have to wait between bankruptcies? Chapter 7 to Chapter 7: 8 years. Chapter 13 to Chapter 13: 2 years. Chapter 7 to Chapter 13: 4 years. Chapter 13 to Chapter 7: 6 years. Use the 1328(f) screener to check your dates. Can I be denied Chapter 13? Chapter 13 has no income limit but requires regular income and debts under the section 109(e) limits ($526,700 unsecured, $1,580,125 secured). If you lack regular income or exceed debt limits, you cannot file Chapter 13. Prior dismissals may also limit your filing. What is the 180-day rule? If your prior case was dismissed within 180 days for willful failure to comply with court orders or after a creditor moved for stay relief, you cannot file a new case for 180 days. Can I file bankruptcy without credit counseling? No. Credit counseling from an approved agency is required within 180 days before filing. The court will dismiss your case if the certificate is not provided. Most courses can be completed online in about an hour. What if I was denied Chapter 7 - can I still file in Phoenix? Yes. If you fail the means test for Chapter 7, you can file Chapter 13 in the District of Arizona. Chapter 13 has no income cap and allows you to repay debts over 3-5 years. Check Your Eligibility 1328(f) Screener File Again? Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Section 727(a)(8) Discharge Waiting Period -- 727a8.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Find Your Bankruptcy District - Phoenix Bankruptcy Guide Source: https://phoenixbankruptcy.org/district-lookup.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Find Your Bankruptcy District - Phoenix Bankruptcy Guide›Find Your Bankruptcy District Find Your Bankruptcy District Enter your zip code to find which federal bankruptcy court handles cases in your area. Arizona has a single district covering the entire state. Phoenix is in the District of Arizona, which is the only federal bankruptcy district in the state. The courthouse is located at 230 N 1st Ave, Phoenix, AZ 85003. All Arizona zip codes (850xx-865xx) are in this district. Zip Code Lookup Look Up District of Arizona District of Arizona (D. Ariz.) Arizona has a single federal judicial district covering the entire state. All bankruptcy cases in Arizona are filed in the District of Arizona, regardless of where you live. The court has divisions in Phoenix and Tucson, with additional locations in Yuma and Prescott. Phoenix Courthouse: 230 N 1st Ave, Phoenix, AZ 85003 Tucson Courthouse: 38 S Scott Ave, Tucson, AZ 85701 Divisional offices: Phoenix, Tucson, Yuma, Prescott Frequently Asked Questions Which bankruptcy district covers Phoenix? Phoenix is in the District of Arizona, which is the only federal bankruptcy district in the state. The courthouse is located at 230 N 1st Ave, Phoenix, AZ 85003. All Arizona zip codes (850xx-865xx) are in this district. Does Arizona have more than one bankruptcy district? No. Arizona has a single federal judicial district - the District of Arizona. All bankruptcy cases in the state are filed here, regardless of where you live. The court has divisions in Phoenix, Tucson, Yuma, and Prescott. Can I file bankruptcy in a different district than where I live? Generally no. You must file in the district where you have lived for the greater part of the last 180 days, where your principal assets are located, or where your domicile is. Filing in the wrong district can result in your case being dismissed or transferred. Other City Bankruptcy Guides Houston Miami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Divorce and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/divorce-and-bankruptcy.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Divorce and Bankruptcy Divorce and Bankruptcy in Phoenix Divorce and bankruptcy often overlap. As a community property state, Arizona adds unique complications. Understanding how these two processes interact can save you thousands of dollars and months of stress. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Filing before can eliminate joint debts and simplify the divorce. Filing after lets each spouse handle their own debts. As a community property state, Arizona makes joint filing before divorce often the most efficient approach. Filing Order: Bankruptcy Before or After Divorce? Bankruptcy First Eliminates joint debts before division - simplifies divorce Joint filing saves on filing fees ($338 vs. $676) Both spouses get the discharge Requires cooperation between spouses Divorce First Each spouse files individually on their own finances May qualify for Chapter 7 on single income No cooperation needed Joint debts survive - creditors can pursue either party Community Property and the Bankruptcy Estate Arizona is a community property state. In bankruptcy: Community property enters the bankruptcy estate even in an individual filing Community debts incurred during marriage are both spouses' responsibility The non-filing spouse's community property is protected by the automatic stay Arizona's $250,000 homestead exemption protects the marital home Separate property (owned before marriage or received as gift/inheritance) stays separate Non-Dischargeable Divorce Debts Never Dischargeable Child support (past due and ongoing) Spousal maintenance / alimony Any domestic support obligation Depends on Chapter Property settlement debts from divorce decree Non-dischargeable in Chapter 7 (section 523(a)(15)) May be dischargeable in Chapter 13 Frequently Asked Questions Should I file bankruptcy before or after divorce in Arizona? Filing before can eliminate joint debts and simplify the divorce. Filing after lets each spouse handle their own debts. As a community property state, Arizona makes joint filing before divorce often the most efficient approach. Can I file a joint bankruptcy with my spouse before divorce? Yes. A joint filing eliminates shared debts in one case, saves filing fees, and gives both spouses a discharge. What happens to divorce-related debts in bankruptcy? Domestic support obligations (child support, alimony) cannot be discharged. Property settlements are non-dischargeable in Chapter 7 under section 523(a)(15) but may be dischargeable in Chapter 13. Does bankruptcy stop divorce proceedings? No. The automatic stay does not stop divorce, custody, or domestic violence proceedings. It does stop the division of estate property. What if my ex files bankruptcy after our divorce? Creditors can still pursue you for joint debts regardless of the divorce decree. The decree does not bind creditors. Can I discharge property settlement obligations? Not in Chapter 7 (section 523(a)(15)). Chapter 13 may allow discharge of property settlement debts through the repayment plan. Explore Your Options Chapter 7 vs 13 Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Emergency Bankruptcy Filing in Phoenix Source: https://phoenixbankruptcy.org/emergency-bankruptcy.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Emergency Filing Emergency Bankruptcy Filing in Phoenix When foreclosure, repossession, or garnishment is days away, an emergency bankruptcy filing can trigger the automatic stay immediately - even before your full paperwork is complete. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. An emergency filing opens your case with minimal paperwork to activate the automatic stay immediately. You have 14 days to file the remaining schedules. Why Emergency Filings Matter in Arizona Non-judicial foreclosure, typically taking about 90 days. Arizona has an anti-deficiency statute on purchase-money mortgages for single-family homes under 2.5 acres. Arizona allows non-judicial foreclosure in about 90 days. Arizona also has an anti-deficiency statute on purchase-money mortgages for single-family homes, meaning the lender cannot pursue you for the difference after foreclosure. If you are facing an imminent collection action, an emergency filing may be the only way to stop it in time. An emergency filing - also called a bare-bones or skeleton petition - files just enough paperwork to open your case and activate the automatic stay. You then have 14 days to complete and file the rest of your bankruptcy schedules. What You Need to File Filed Immediately Voluntary Petition (Official Form 101) Creditor matrix (list of all creditors with addresses) Credit counseling certificate Filing fee ($338 for Ch. 7, $313 for Ch. 13) or fee waiver/installment application Due Within 14 Days Schedules A/B through J (assets, liabilities, income, expenses) Statement of Financial Affairs Means test form (122A for Ch. 7, 122C for Ch. 13) Tax returns and pay stubs If you miss the 14-day deadline, your case is automatically dismissed under 11 U.S.C. section 521(i), and all stay protection disappears. Where to File in Phoenix Emergency petitions in Phoenix are filed in the District of Arizona at 230 N 1st Ave, Phoenix, AZ 85003. Electronic filing through an attorney's CM/ECF account is fastest - the stay takes effect the moment the case number is assigned. Common Emergency Scenarios Foreclosure Non-judicial foreclosure, typically taking about 90 days. Arizona has an anti-deficiency statute on purchase-money mortgages for single-family homes under 2.5 acres. An emergency filing before the sale stops the process. Arizona's $250,000 homestead exemption protects your equity. Vehicle Repossession The stay stops repossession immediately. Arizona exempts $6,000 per vehicle ($12,000 if disabled). Once the stay is in place, the creditor must return a repossessed vehicle. Wage Garnishment Arizona allows garnishment of up to 25% of disposable earnings, following the federal standard. Bank accounts can also be garnished with certain exemptions for Social Security and other protected funds. An emergency filing stops all garnishment. Bank Account Levy The stay stops any pending levy. Funds already seized may need to be returned depending on applicable exemptions. Frequently Asked Questions What is an emergency bankruptcy filing? An emergency filing opens your case with minimal paperwork to activate the automatic stay immediately. You have 14 days to file the remaining schedules. When should I consider an emergency filing in Phoenix? When facing imminent foreclosure, repossession, garnishment, bank levy, or utility shutoff. File at the District of Arizona courthouse at 230 N 1st Ave, Phoenix, AZ 85003. What documents do I need for an emergency filing? Minimum: voluntary petition (Form 101), creditor matrix, credit counseling certificate, and filing fee or fee waiver. All remaining documents due in 14 days. What happens if I miss the 14-day deadline? Your case is automatically dismissed under section 521(i). The stay disappears and creditors resume collection. Does the automatic stay work immediately? Yes. The stay takes effect the instant the petition is filed. However, if you had a prior dismissal within the past year, the stay may be limited to 30 days or absent entirely. How much does an emergency filing cost in Phoenix? Filing fees are $338 for Chapter 7, $313 for Chapter 13. Fee waivers and installment plans are available. Need to Act Fast? Automatic Stay Guide Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Bankruptcy and Employment: Can You Get Fired? - Phoenix Source: https://phoenixbankruptcy.org/employment.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Bankruptcy and Employment: Can You Get Fired? Bankruptcy and Employment: Can You Get Fired? A free guide for Arizona residents. Filed in D. Ariz.. Federal law (11 U.S.C. Section 525(a)) prohibits government employers from terminating, refusing to hire, or discriminating against you because of a bankruptcy filing. For private employers, the protection is more limited - they generally cannot fire you for filing, but some courts allow them to co What You Need to Know Federal law (11 U.S.C. Section 525(a)) prohibits government employers from terminating, refusing to hire, or discriminating against you because of a bankruptcy filing. For private employers, the protection is more limited - they generally cannot fire you for filing, but some courts allow them to consider bankruptcy in hiring decisions. State laws vary and may provide additional protection. In Arizona: Arizona follows federal law only - government employers cannot discriminate, private employers may consider bankruptcy in hiring. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Bankruptcy and Employment: Can You Get Fired? Federal law (11 U.S.C. Section 525(a)) prohibits government employers from terminating, refusing to hire, or discriminating against you because of a bankruptcy filing. For private employers, the protection is more limited - they generally cannot fire you for filing, but some courts allow them to consider bankruptcy in hiring decisions. State laws vary and may provide additional protection. How does this work in Arizona? Arizona follows federal law only - government employers cannot discriminate, private employers may consider bankruptcy in hiring. Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com --- ## Can I Keep My Engagement Ring in Bankruptcy? - Phoenix Source: https://phoenixbankruptcy.org/engagement-ring.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I Keep My Engagement Ring in Bankruptcy? Can I Keep My Engagement Ring in Bankruptcy? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. Whether you can keep your engagement ring depends on your state's jewelry exemption. Exemption amounts vary wildly - from $150 in Arizona to unlimited in Texas. If your ring's value exceeds the exemption, the trustee could potentially sell it (though this is rare in practice for modest rings). Many What You Need to Know Whether you can keep your engagement ring depends on your state's jewelry exemption. Exemption amounts vary wildly - from $150 in Arizona to unlimited in Texas. If your ring's value exceeds the exemption, the trustee could potentially sell it (though this is rare in practice for modest rings). Many people protect rings using wildcard exemptions. In Arizona: Arizona: only $150 in jewelry - one of the lowest in the nation. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I Keep My Engagement Ring in Bankruptcy? Whether you can keep your engagement ring depends on your state's jewelry exemption. Exemption amounts vary wildly - from $150 in Arizona to unlimited in Texas. If your ring's value exceeds the exemption, the trustee could potentially sell it (though this is rare in practice for modest rings). Many people protect rings using wildcard exemptions. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Can Bankruptcy Stop an Eviction? - Phoenix Source: https://phoenixbankruptcy.org/eviction.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can Bankruptcy Stop an Eviction? Can Bankruptcy Stop an Eviction? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. The automatic stay under Section 362 temporarily halts most eviction proceedings. However, Section 362(b)(22) limits protection if your landlord already has a judgment for possession. In Chapter 13, you may be able to cure rent arrears through your plan. Timing matters - file before the judgment if What You Need to Know The automatic stay under Section 362 temporarily halts most eviction proceedings. However, Section 362(b)(22) limits protection if your landlord already has a judgment for possession. In Chapter 13, you may be able to cure rent arrears through your plan. Timing matters - file before the judgment if possible. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can Bankruptcy Stop an Eviction? The automatic stay under Section 362 temporarily halts most eviction proceedings. However, Section 362(b)(22) limits protection if your landlord already has a judgment for possession. In Chapter 13, you may be able to cure rent arrears through your plan. Timing matters - file before the judgment if possible. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Relief from Automatic Stay -- relieffromstay.org Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Arizona Bankruptcy Exemptions - What You Can Keep - Phoenix Source: https://phoenixbankruptcy.org/exemptions.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Exemptions Arizona Bankruptcy Exemptions Exemptions determine what property you get to keep when you file bankruptcy. Understanding them is critical - they can mean the difference between keeping and losing your home, car, and savings. Arizona's homestead exemption protects $250,000 of equity in your primary residence. Equity is the difference between your home's value and what you owe on the mortgage. What Are Exemptions? Bankruptcy exemptions are laws that protect certain property from being taken to pay your creditors. In Chapter 7, non-exempt property can be sold by the trustee. In Chapter 13, the value of non-exempt property affects how much you must pay through your plan. Arizona requires you to use state exemptions - you cannot choose the federal exemption system. Arizona Exemptions - Full List Homestead - $250,000 Protects $250,000 of equity in your primary residence. Equity is your home's current market value minus what you owe on the mortgage. A.R.S. 33-1101 Motor Vehicle - $6,000 Protects $6,000 of equity in your motor vehicle. If you owe more than the car is worth (you are "underwater"), there is no equity to protect and the exemption is not needed. A.R.S. 33-1125 All Arizona Exemptions PropertyArizona ExemptionStatute Homestead$250,000A.R.S. 33-1101 Vehicle$6,000 ($12,000 if disabled)A.R.S. 33-1125 Household goods$6,000 totalA.R.S. 33-1123 Clothing$500A.R.S. 33-1125 Tools of trade$5,000A.R.S. 33-1130 Retirement accounts (IRA, 401k, pension)UnlimitedA.R.S. 33-1126 Social Security benefitsUnlimited42 U.S.C. 407 Bank deposit (single)$300A.R.S. 33-1126 Life insurance (cash value)$25,000A.R.S. 33-1126 Health aidsUnlimitedA.R.S. 33-1125 Frequently Asked Questions What is the Arizona homestead exemption? Arizona's homestead exemption protects $250,000 of equity in your primary residence. Equity is the difference between your home's value and what you owe on the mortgage. How much vehicle equity can I protect in Arizona? Arizona's motor vehicle exemption is $6,000. If your car equity is within the limit, you can keep it in Chapter 7. In Chapter 13, you can keep your car and catch up on payments through your plan. Are retirement accounts protected? Yes. Retirement accounts including IRAs, 401(k)s, and pensions are fully exempt in Arizona. Social Security benefits are also fully exempt under federal law. What personal property can I keep? Arizona protects $6,000 in personal property. Tools of trade up to $5,000. Health aids and Social Security benefits are fully exempt. See the complete table above. Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Phoenix Bankruptcy FAQ [2026]: 18 Questions on AZ Filing, Exemptions, and Maricopa County 341 Meetings Source: https://phoenixbankruptcy.org/faq.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›FAQ Frequently Asked Questions Answers to the 18 most common questions from Phoenix residents considering bankruptcy. Chapter 7 filing fee is $338 and Chapter 13 is $313. Attorney fees typically range from $1,000-$2,000 for Chapter 7 and $3,000-$4,500 for Chapter 13. Credit counseling costs about $25-50 total. Fee waivers available for low-income Chapter 7 filers. Cost and Eligibility How much does it cost to file bankruptcy in Phoenix? Chapter 7 filing fee is $338 and Chapter 13 is $313. Attorney fees typically range from $1,000-$2,000 for Chapter 7 and $3,000-$4,500 for Chapter 13. Credit counseling costs about $25-50. Full cost breakdown. What is the means test? The means test determines whether you qualify for Chapter 7. It compares your household income to the Arizona median. If below, you qualify automatically. Can I file bankruptcy more than once? Yes, but there are time limits. After Chapter 7, wait 8 years for another Chapter 7 or 4 years for Chapter 13. After Chapter 13, wait 6 years for Chapter 7 or 2 years for another Chapter 13. Use the 1328(f) screener to check. Property and Assets Will I lose my house if I file bankruptcy? In Arizona, your homestead exemption protects $250,000. In Chapter 13, you can keep your home and catch up on missed payments. See all exemptions. Can I keep my car in bankruptcy? Arizona protects $6,000 in vehicle equity. In Chapter 13, you can keep your car and catch up on payments. Exemption details. What happens to my bank account after filing? You keep your bank account, but the balance on filing date must be disclosed. If you owe money to that bank, consider switching before filing. What happens to my tax refund in bankruptcy? In Chapter 7, your tax refund may be considered an asset. In Chapter 13, it may need to be turned over to the trustee. Timing matters - discuss with your attorney. The Process How long does bankruptcy take? Chapter 7 takes 3-4 months. Chapter 13 requires 3-5 years. The 341 meeting happens about 30 days after filing. Full timeline. What is the 341 meeting of creditors? A brief hearing about 30 days after filing. The trustee asks questions under oath. Bring photo ID and Social Security proof. Most last 5-10 minutes. Full guide. What is the automatic stay? The automatic stay takes effect immediately when you file. It stops lawsuits, garnishments, foreclosures, repossessions, and collection calls. Will bankruptcy stop wage garnishment? Yes. The automatic stay stops garnishments immediately. However, garnishments for child support and certain tax debts may continue. Learn more. Types of Debt Can I file bankruptcy on medical bills? Yes. Medical bills are fully dischargeable in both chapters. Medical debt is one of the most common reasons people file. Will bankruptcy eliminate my student loans? Generally no. Student loans require proving undue hardship in a separate proceeding. Learn more. Can creditors still call me after I file? No. The automatic stay prohibits all collection activity. Report violations to your attorney. Life After Bankruptcy Will bankruptcy affect my credit score? Chapter 7 stays on your report for 10 years; Chapter 13 for 7 years. Many filers see recovery within 1-2 years. Rebuilding after bankruptcy. Should I file Chapter 7 or Chapter 13? Chapter 7 is faster but requires a means test. Chapter 13 lets you keep property and catch up on payments. Compare them. Can I file bankruptcy if I am married? Yes. File individually or jointly. If individually, your spouse's separate property and credit are generally not affected. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Section 727(a)(8) Discharge Waiting Period -- 727a8.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## How to Find Out if Someone Filed Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/find-bankruptcy-filing.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›How to Find Out if Someone Filed Bankruptcy How to Find Out if Someone Filed Bankruptcy A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. All bankruptcy filings are public record. Search PACER (Public Access to Court Electronic Records) at pacer.gov for $0.10 per page. Free alternatives include RECAP (courtlistener.com/recap/) which mirrors many PACER documents. You can also call the bankruptcy court clerk directly or visit in person. What You Need to Know All bankruptcy filings are public record. Search PACER (Public Access to Court Electronic Records) at pacer.gov for $0.10 per page. Free alternatives include RECAP (courtlistener.com/recap/) which mirrors many PACER documents. You can also call the bankruptcy court clerk directly or visit in person. Our free screener at 1328f.com can check discharge eligibility. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions How to Find Out if Someone Filed Bankruptcy All bankruptcy filings are public record. Search PACER (Public Access to Court Electronic Records) at pacer.gov for $0.10 per page. Free alternatives include RECAP (courtlistener.com/recap/) which mirrors many PACER documents. You can also call the bankruptcy court clerk directly or visit in person. Our free screener at 1328f.com can check discharge eligibility. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Foreclosure and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/foreclosure.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Foreclosure Foreclosure and Bankruptcy in Phoenix Arizona uses non-judicial (trustee sale) foreclosure with a timeline of approximately 90 days from the recording of the notice of trustee sale. Bankruptcy can stop the process immediately. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Arizona uses non-judicial (trustee sale) foreclosure. Arizona is a non-judicial foreclosure state using a deed of trust system. How Foreclosure Works in Arizona Arizona is a non-judicial foreclosure state using a deed of trust system. The trustee records a notice of sale at least 90 days before the sale date and mails notice to the borrower. The sale occurs at public auction. Arizona has no statutory right of redemption after a trustee sale (only after judicial foreclosure). However, Arizona's anti-deficiency statute (A.R.S. section 33-814(G)) prevents lenders from pursuing a deficiency judgment after a trustee sale on purchase-money loans for properties on 2.5 acres or less. How Bankruptcy Stops Foreclosure Filing bankruptcy triggers the automatic stay under 11 U.S.C. section 362, which immediately halts all foreclosure activity whether the foreclosure is just beginning, in progress, or about to happen. Arizona-Specific Foreclosure Issues Maricopa County processes more trustee sales than almost any county in the Southwest. Phoenix's rapid population growth and housing price volatility mean many homeowners find themselves underwater. Arizona's anti-deficiency statute is a significant protection: after a trustee sale on a purchase-money deed of trust for property on 2.5 acres or less, the lender cannot pursue you for the shortfall. Chapter 13: The Foreclosure Defense Tool 1File your Chapter 13 petition The automatic stay immediately stops the foreclosure. 2Calculate your arrears Determine the total amount of missed payments, late fees, and attorney fees. 3Propose a repayment plan Spread arrears over 3-5 years while resuming regular payments immediately. 4Complete the plan All arrears are cured and your mortgage is current. Other unsecured debts are typically discharged. Homestead Exemption in Arizona Arizona's homestead exemption protects $250,000 under A.R.S. section 33-1101 (increased from $150,000 in 2022). This is critical in Chapter 7 for determining how much equity the trustee can reach. In Chapter 13, you keep all property and pay through your plan. Frequently Asked Questions How does foreclosure work in Arizona? Arizona uses non-judicial (trustee sale) foreclosure. Arizona is a non-judicial foreclosure state using a deed of trust system. Can bankruptcy stop foreclosure in Phoenix? Yes. Filing immediately triggers the automatic stay, which halts foreclosure regardless of how far along it is. Chapter 13 allows you to cure missed payments over 3-5 years. How long does foreclosure take in Arizona? In Arizona, foreclosure typically takes approximately 90 days from the recording of the notice of trustee sale. What is the homestead exemption in Arizona? Arizona provides a homestead exemption of $250,000 under A.R.S. section 33-1101 (increased from $150,000 in 2022). Can I get my house back after foreclosure in Arizona? Arizona does not provide a right of redemption after a trustee sale. Filing bankruptcy before the sale is critical. Chapter 7 vs. Chapter 13 for foreclosure? Chapter 7 delays foreclosure temporarily. Chapter 13 stops the sale and allows you to catch up on arrears over 3-5 years while resuming regular payments. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Bankruptcy Glossary - Phoenix Terms Source: https://phoenixbankruptcy.org/glossary.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Glossary Bankruptcy Glossary - Phoenix Terms Explained Bankruptcy has its own language. This glossary explains the terms you will encounter when filing in the District of Arizona, written in plain English for Phoenix residents. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Chapter 7 eliminates most debts in 3-4 months through liquidation of non-exempt assets. Chapter 13 reorganizes debts into a 3-5 year repayment plan. Chapter 7 has income limits (means test); Chapter 13 has debt limits ($526,700 unsecured, $1,580,125 secured). Core Bankruptcy Terms Automatic Stay A federal court order that takes effect the moment you file bankruptcy. It stops most creditor actions including wage garnishment, foreclosure, repossession, lawsuits, and collection calls. See automaticstay.org for a complete guide. Discharge The court order that permanently eliminates your obligation to pay certain debts. The discharge injunction (section 524) makes it illegal for creditors to ever try to collect discharged debts. This is the goal of most bankruptcy filings. Means Test A calculation that determines whether you qualify for Chapter 7 based on your income and expenses. Arizona median income for one person is $56,381. If your income is below this, you pass automatically. See bankruptcymeanstest.org. 341 Meeting (Meeting of Creditors) A required hearing where the bankruptcy trustee asks you questions about your finances under oath. Despite the name, creditors rarely attend. Held about 30-40 days after filing at the District of Arizona courthouse. See 341meeting.org. Exemptions Laws that protect certain property from being taken in bankruptcy. Arizona provides a $250,000 homestead exemption and protects $6,000 per vehicle ($12,000 if disabled). See our Phoenix exemptions guide. Chapter-Specific Terms Chapter 7 Terms Liquidation: The trustee sells non-exempt assets to pay creditors (most Chapter 7 cases have no assets to sell) No-asset case: When all your property is exempt and the trustee finds nothing to sell Reaffirmation: A new agreement to keep paying a debt (often used for car loans) Redemption: Paying the current value of collateral in a lump sum to keep it Surrender: Giving up collateral (like a vehicle) and discharging the debt Chapter 13 Terms Repayment plan: Your 3-5 year payment schedule submitted to the court Disposable income: What is left after allowed expenses - this goes to creditors Cramdown: Reducing a secured debt to the collateral's current value Lien strip: Removing a junior lien (like a second mortgage) when the home is worth less than the first mortgage Co-debtor stay: Protection for co-signers on consumer debts during your Chapter 13 Procedural Terms Petition The official document you file to start your bankruptcy case. For emergency filings, a bare-bones petition can be filed first with 14 days to complete the rest. Schedules Detailed forms listing your assets, liabilities, income, expenses, contracts, and financial history. These form the backbone of your bankruptcy case. Statement of Financial Affairs (SOFA) A questionnaire about your financial history including recent transactions, lawsuits, payments to creditors, gifts, and property transfers in the years before filing. Proof of Claim A form creditors file to assert their right to payment from the bankruptcy estate. Deadlines for filing claims are set by the court. Trustee The person appointed to administer your bankruptcy case. In Chapter 7, the trustee looks for non-exempt assets. In Chapter 13, the trustee collects plan payments and distributes them to creditors. Discharge Injunction The permanent court order under section 524 that bars creditors from ever collecting discharged debts. Violations can result in contempt of court. Frequently Asked Questions What is the difference between Chapter 7 and Chapter 13? Chapter 7 eliminates most debts in 3-4 months through liquidation of non-exempt assets. Chapter 13 reorganizes debts into a 3-5 year repayment plan. Chapter 7 has income limits (means test); Chapter 13 has debt limits ($526,700 unsecured, $1,580,125 secured). What does discharged mean in bankruptcy? A discharged debt is permanently eliminated. You are no longer legally obligated to pay it, and creditors cannot try to collect. The discharge injunction under section 524 makes collection attempts a violation of federal law. What is the means test? A formula comparing your income to the Arizona median ($56,381 for one person). If below the median, you qualify for Chapter 7. If above, allowed deductions may still bring you under the threshold. See bankruptcymeanstest.org. What are exemptions? Laws that protect your property in bankruptcy. Arizona provides a $250,000 homestead exemption and $6,000 per vehicle ($12,000 if disabled) vehicle exemption. See our Phoenix exemptions page. What happens at the 341 meeting? The trustee asks questions under oath about your assets, debts, income, and financial history. It typically lasts 5-10 minutes. Creditors may attend but rarely do. See 341meeting.org. What does non-dischargeable mean? Some debts survive bankruptcy and must still be paid. These include child support, alimony, most student loans, recent taxes, debts from fraud, and DUI judgments. See our debt types page. Ready to Learn More? How to File Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Bankruptcy Income Limits in Phoenix Source: https://phoenixbankruptcy.org/income-limits.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Income Limits Bankruptcy Income Limits in Phoenix Your income determines which bankruptcy chapter you qualify for and how your case proceeds. Here are the current income thresholds for Phoenix and Arizona filers. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. The primary threshold is the Arizona median income: $56,381 for one person. Below this, you qualify automatically. Above this, the full means test may still allow you to qualify after deductions. Arizona Median Income Thresholds The means test uses Arizona median income to determine Chapter 7 eligibility. Current Arizona figures: 1-person household: $56,381 2-person household: approximately $79,000-$85,000 (varies by update cycle) 3-person household: approximately $88,000-$95,000 4-person household: approximately $100,000-$110,000 Add approximately $9,900 for each additional household member These figures are updated periodically by the U.S. Census Bureau. Check the latest figures at justice.gov/ust/means-testing. Income Below Median: Chapter 7 Available If your gross household income over the past 6 months (annualized) is below the Arizona median, you pass the means test and qualify for Chapter 7. Key points: Income is measured as the 6-month average before filing (all household income, not just wages) Includes wages, self-employment, Social Security, pension, rental income, and contributions from household members Social Security income is excluded from the means test (but counted for plan payments in Chapter 13) Arizona has flat 2.5% state income tax - state income tax is deductible on the means test, reducing your calculated disposable income Income Above Median: Options Full Means Test (Chapter 7) If above median, you complete the full means test (Form 122A-2). Allowed deductions include housing, transportation, health care, childcare, taxes, and other IRS-allowed expenses. If your disposable income after deductions is low enough, you still qualify for Chapter 7. Chapter 13 If you do not pass the means test for Chapter 7, Chapter 13 is available regardless of income level. Your disposable income determines your plan payments. There is no income cap for Chapter 13, only debt limits ($526,700 unsecured, $1,580,125 secured). Frequently Asked Questions What is the income limit for Chapter 7 in Phoenix? The primary threshold is the Arizona median income: $56,381 for one person. Below this, you qualify automatically. Above this, the full means test may still allow you to qualify after deductions. Is there an income limit for Chapter 13? No income cap for Chapter 13. However, there are debt limits ($526,700 unsecured, $1,580,125 secured). Your income determines your plan payment amount and length - above median requires a 5-year plan. What income counts for the means test? All household income over the past 6 months, annualized. This includes wages, self-employment, tips, bonuses, pension, rental income, and contributions from household members. Social Security is excluded. Can I time my filing to pass the means test? Yes. Since the means test uses a 6-month average, if you recently lost a job or had reduced income, waiting until the high-income months drop out of the 6-month window can help you qualify for Chapter 7. How does Arizona having flat 2.5% state income tax affect the means test? Arizona state income tax is an allowed deduction, reducing your disposable income on the means test and making it easier to qualify for Chapter 7. What if my income changes after filing? In Chapter 7, post-filing income changes do not affect your case. In Chapter 13, significant income changes may require a plan modification. Check Your Income Eligibility Means Test Calculator Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Phoenix Bankruptcy - Chapter 7 & 13 Filing Guide [2026] Source: https://phoenixbankruptcy.org/ Skip to main content Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Rule 9037 Compliance Guide Phoenix Bankruptcy - Your Complete Filing Guide for 2026 You are not alone. Over 52,776 Phoenix area residents have filed for bankruptcy since 2008. This free guide will help you understand your options, know what to expect, and make informed decisions. Read the FAQ Check Your Eligibility 52,776 D. Ariz. Cases (2008-2024) 53.5% Dismissal Rate 46.5% Discharge Rate $338 Chapter 7 Filing Fee Chapter 7 filing fees are $338 and Chapter 13 filing fees are $313. Attorney fees in Phoenix typically range from $1,000-$2,000 for Chapter 7 and $3,000-$4,500 for Chapter 13. You will also need to pay for required credit counseling courses, usually $25-$50 total. Chapter 7 vs. Chapter 13: Which Is Right for You? Chapter 7 - Fresh Start Chapter 7 eliminates most unsecured debts (credit cards, medical bills, personal loans) in about 3-4 months. You must pass a means test based on your income. Discharge in 3-4 months Eliminates credit cards, medical debt Must pass the means test May lose non-exempt property Filing fee: $338 Learn more about Chapter 7 → Chapter 13 - Payment Plan Chapter 13 lets you keep your property while repaying debts over 3-5 years. Good for saving a home from foreclosure or a car from repossession. No means test required. 3-5 year repayment plan Keep your home and car Catch up on missed payments No means test requirement Filing fee: $313 Learn more about Chapter 13 → Not sure which chapter fits? Compare them in detail. D. Ariz. Bankruptcy Data The numbers tell an important story. The District of Arizona has processed 52,776 Chapter 13 cases since 2008. District of Arizona (D. Ariz.) 53.5% dismissed 52,776 cases filed since 2008. Only 46.5% achieved a successful discharge. The prior filer rate is 24.4% - meaning roughly 1 in 4 filers have been through this before. Courthouse: 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 Key Indicators 24.4% prior filers An estimated 1,243 cases may involve potential 1328(f) eligibility issues - filings where the debtor had a prior discharge within the statutory time bar. The pro se rate is 16.2%. Data: FJC Integrated Database, 2008-2024 Full statistics and analysis → What to Expect When Filing The Process at a Glance Credit counseling - You must complete a credit counseling course within 180 days before filing. Cost: about $15-25. File your petition - Your attorney files the petition, schedules, and statements with the court. The automatic stay takes effect immediately, stopping collections, garnishments, and foreclosures. 341 meeting - About 30 days after filing, you attend a brief meeting of creditors. The trustee asks questions under oath. Most last 5-10 minutes. Debtor education course - You must complete a second financial education course before discharge. Cost: about $10-25. Discharge - Chapter 7: about 60 days after the 341 meeting. Chapter 13: after completing your 3-5 year plan. Detailed timeline and what to expect → How Much Does Bankruptcy Cost? The total cost depends on the chapter you file and your specific situation: Chapter 7 filing fee: $338 (can request installment payments) Chapter 13 filing fee: $313 (can be paid through your plan) Attorney fees: Typically $1,000-$2,000 for Chapter 7; $3,000-$4,500 for Chapter 13 in Phoenix Credit counseling: $15-25 per course (two required) Fee waivers are available for Chapter 7 filers whose income is below 150% of the federal poverty guidelines. Full cost breakdown → | National cost guide Frequently Asked Questions How much does bankruptcy cost in Phoenix? Chapter 7 filing fees are $338 and Chapter 13 filing fees are $313. Attorney fees in Phoenix typically range from $1,000-$2,000 for Chapter 7 and $3,000-$4,500 for Chapter 13. Credit counseling costs about $25-50 total. Full cost breakdown. Will I lose my house if I file bankruptcy in Arizona? Arizona's homestead exemption protects $250,000. In Chapter 13, you can keep your home while catching up on missed payments through your plan. See all exemptions. Can I keep my car if I file bankruptcy? Arizona allows a vehicle exemption of $6,000. In Chapter 13, you can keep your car and catch up on payments through your plan. Learn about exemptions. How long does bankruptcy take? Chapter 7 typically takes 3-4 months from filing to discharge. Chapter 13 requires completing a 3-5 year repayment plan. The 341 meeting of creditors usually happens about 30 days after filing. Full timeline. Should I file Chapter 7 or Chapter 13? Chapter 7 eliminates most unsecured debt quickly but requires passing a means test. Chapter 13 allows you to keep property while repaying debts over 3-5 years. Your income, assets, and type of debt determine which chapter is best. Compare chapters. What is the dismissal rate in the D. Ariz.? Based on data from 52,776 cases, the D. Ariz. has a 53.5% dismissal rate. This means many filers never complete their plan. Full statistics. See all frequently asked questions → Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Browse Other Cities Houston Miami Minneapolis St. Louis New York Newark San Antonio Kansas City View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Your Next Questions Real users ask these next - we built the answers. Chapter 7 vs Chapter 13 Compare chapters before you choose chapter7vs13.org → How Much Does It Cost? Attorney fees and filing costs by chapter howmuchdoesbankruptcycost.com → Exemptions by State Your state exemptions for vehicles, homes, and more bankruptcyexemptionsbystate.com → What Is a Bankruptcy Mill? Avoid high-volume firms with poor outcomes bankruptcymill.org → Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 Have a Question? Open Bankruptcy Project provides free educational information. We are not a law firm. Nothing on this site constitutes legal advice. For advice about your specific situation, consult a licensed attorney. Select your state... Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming American Samoa Guam Northern Mariana Islands Puerto Rico U.S. Virgin Islands I understand this is educational information, not legal advice. Submit Question Thank you! We typically respond within one business day. Need Free Bankruptcy Help? If you cannot afford a bankruptcy attorney, free help is available. Legal aid organizations, law school clinics, and court self-help programs can assist you at no cost. Find Free Help in Arizona You May Also Find Helpful Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org Most-read OBP guides Brunner Test (§523(a)(8)) 3-prong analysis for discharging student loans Car Loan After Bankruptcy Buy a car and get financing post-discharge Student Loans in Bankruptcy Can you discharge them? 2026 guide Federal Exemptions §522(d) Complete list of federal exemptions Nondischargeable Debts List Debts that survive bankruptcy discharge Site Map Additional resources on this site Bank Account Buy Car Chapter 13 Buying A House Car Lease Chapter 13 Eligibility Chapter 7 Eligibility Checklist Converting Chapters Credit Card Debt Credit Cards Before Filing Debtor Education Disqualifications District Lookup Divorce And Bankruptcy Emergency Bankruptcy Employment Engagement Ring Eviction Find Bankruptcy Filing Glossary Income Limits Index Judgments Keep Your Car Medical Debt Only Payday Loans Reaffirmation Regret Renting After Bankruptcy Repo Credit Report Resources Retirement Accounts Second Mortgage Security Clearance Small Business Stop Paying Bills Surrender Car Tax Refund Chapter13 Timeline Timeshare Travel Chapter 13 --- ## Judgments and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/judgments.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Judgments Judgments and Bankruptcy in Phoenix A court judgment against you is not the end of the road. Bankruptcy can discharge the underlying debt and even remove judgment liens on your Phoenix property. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes, if the underlying debt is dischargeable. Most money judgments from credit cards, medical bills, and contracts are eliminated. Judgments for fraud, willful injury, or domestic support obligations survive. Can Bankruptcy Discharge a Judgment? Yes - in most cases. A money judgment is simply a court order saying you owe a debt. If the underlying debt is dischargeable, the judgment is also discharged. This includes judgments from: Credit card lawsuits Medical debt collections Personal loans and deficiency balances Breach of contract claims Most other civil money judgments However, judgments based on non-dischargeable debts survive bankruptcy, including judgments for fraud, willful injury, DUI damages, and domestic support obligations. Removing Judgment Liens in Arizona Even after discharge, a judgment lien on your property survives unless you take action. Under 11 U.S.C. section 522(f), you can remove (avoid) a judgment lien if it impairs an exemption you would otherwise be entitled to. Arizona homestead: $250,000 - if the judgment lien impairs this exemption, you can file a motion to avoid it Personal property: Judgment liens on vehicles, tools, and other exempt personal property can also be avoided Timing: File the lien avoidance motion during your bankruptcy case. The court will enter an order removing the lien from your property. Recording: After the court grants the motion, record the order with the county recorder to clear the lien from your title. Arizona Judgment Collection Rules Before filing bankruptcy, creditors with judgments can use these collection methods in Arizona: Wage garnishment: Arizona allows garnishment of up to 25% of disposable earnings, following the federal standard. Bank accounts can also be garnished with certain exemptions for Social Security and other protected funds Bank account levy: Creditors can freeze and seize funds in your bank account, subject to certain exemptions Property liens: Judgments automatically become liens on real property in the county where they are recorded Asset seizure: The sheriff can seize non-exempt personal property to satisfy the judgment Filing bankruptcy stops all of these collection methods immediately through the automatic stay. Frequently Asked Questions Can I discharge a judgment in bankruptcy in Phoenix? Yes, if the underlying debt is dischargeable. Most money judgments from credit cards, medical bills, and contracts are eliminated. Judgments for fraud, willful injury, or domestic support obligations survive. How do I remove a judgment lien on my Phoenix property? File a motion to avoid the lien under section 522(f) during your bankruptcy case. If the lien impairs your Arizona homestead or other exemption, the court will remove it. Record the order with the county recorder. Can a creditor garnish my wages after getting a judgment? Arizona allows garnishment of up to 25% of disposable earnings, following the federal standard. Bank accounts can also be garnished with certain exemptions for Social Security and other protected funds. Filing bankruptcy stops all garnishment immediately. What if I already have a judgment against me - can I still file bankruptcy? Yes. You can file bankruptcy at any time, regardless of pending or existing judgments. The discharge eliminates the debt, and lien avoidance removes any liens on exempt property. Does the judgment go away from my credit report after bankruptcy? The bankruptcy filing appears on your credit report for 7-10 years. The judgment itself should be updated to show a zero balance after discharge. You may need to dispute incorrect reporting with the credit bureaus. What about judgments from a car accident? Negligence-based car accident judgments are generally dischargeable. Judgments involving DUI/DWI or willful/malicious conduct are not dischargeable under section 523(a)(6) and 523(a)(9). Stop Judgment Collection Automatic Stay Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Can I Keep My Car in Phoenix Bankruptcy? Source: https://phoenixbankruptcy.org/keep-your-car.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Keep Your Car Can I Keep My Car in Phoenix Bankruptcy? For most Phoenix residents, the answer is yes. Arizona provides a vehicle exemption of $6,000, and Chapter 13 offers additional options. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. In most cases, yes. Arizona allows a vehicle exemption of $6,000. If you owe more than the car is worth, your equity is protected. In Chapter 13, you can keep your car regardless of equity. Arizona Vehicle Exemption Arizona's vehicle exemption protects $6,000 per person under A.R.S. section 33-1125(8) (or $12,000 if no homestead is claimed). Vehicle equity is calculated as the fair market value minus what you owe on the loan. Example: If your car is worth $12,000 and you owe $10,000, your equity is $2,000. If your equity is within the $6,000 exemption, it is fully protected. Options for Keeping Your Car Chapter 7 Options Reaffirmation: Sign a new agreement to keep paying the loan. The debt survives discharge. Redemption: Pay the car's current value in one lump sum, even if you owe more (section 722). Ride-through: Continue making payments without reaffirming (not available in all circuits). Chapter 13 Options Keep and pay: Include car payments in your 3-5 year plan. Cramdown: If the car was purchased 910+ days before filing, pay only current value. Cure arrears: Catch up on missed payments through the plan. Chapter 13 Cramdown Explained Under 11 U.S.C. section 1325(a), if you purchased your vehicle more than 910 days (approximately 2.5 years) before filing: You pay the vehicle's current fair market value, not the loan balance The interest rate is set by the court (typically prime + 1-3%) The remaining loan balance is treated as unsecured debt Example: You owe $18,000 on a car worth $10,000. Through cramdown, you pay approximately $10,000 plus interest. The $8,000 difference is treated as unsecured debt. What If Your Car Was Already Repossessed? If your car was recently repossessed in Phoenix, time is critical. Filing bankruptcy triggers the automatic stay, which can force the creditor to return the vehicle if it has not been sold yet. Contact a Phoenix bankruptcy attorney immediately if your car has been repossessed or is about to be. Frequently Asked Questions Can I keep my car if I file bankruptcy in Phoenix? In most cases, yes. Arizona allows a vehicle exemption of $6,000. If you owe more than the car is worth, your equity is protected. In Chapter 13, you can keep your car regardless of equity. What is the vehicle exemption in Arizona? Arizona allows a vehicle exemption of $6,000 per person under A.R.S. section 33-1125(8) (or $12,000 if no homestead is claimed). What is a reaffirmation agreement? A reaffirmation agreement is a new contract with your car lender that keeps you personally liable for the debt after bankruptcy. You continue making payments and keep the car. The debt survives your discharge. What is redemption in bankruptcy? Redemption under 11 U.S.C. section 722 allows you to keep your car by paying the lender the current fair market value in a single lump-sum payment, even if you owe more. What is a Chapter 13 cramdown on a car loan? In Chapter 13, if you purchased your car more than 910 days before filing, you can cram down the loan to the car's current value. You pay only the vehicle's value through your plan at a court-approved interest rate. What happens if my car is repossessed before I file in Phoenix? If your car was recently repossessed, filing bankruptcy may allow you to recover it. The automatic stay can force the creditor to return the vehicle if it has not been sold yet. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Can I Keep My House in Phoenix Bankruptcy? Source: https://phoenixbankruptcy.org/keep-your-house.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Keep Your House Can I Keep My House in Phoenix Bankruptcy? Arizona's homestead exemption protects $250,000 of equity in your home. Combined with Chapter 13's mortgage cure provisions, most Phoenix homeowners can keep their homes through bankruptcy. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. In most cases, yes. Arizona's homestead exemption protects $250,000 of equity. In Chapter 13, you can keep your home and cure mortgage arrears over 3-5 years. Arizona Homestead Exemption Arizona provides a homestead exemption of $250,000 under A.R.S. section 33-1101 (increased from $150,000 in 2022). This protects equity in your primary residence from creditors and the bankruptcy trustee. How equity works: If your home is worth $300,000 and you owe $250,000, your equity is $50,000. If your equity is within the $250,000 exemption, it is fully protected. Foreclosure in Arizona Arizona is a non-judicial foreclosure state using a deed of trust system. The trustee records a notice of sale at least 90 days before the sale date and mails notice to the borrower. The sale occurs at public auction. Arizona has no statutory right of redemption after a trustee sale (only after judicial foreclosure). However, Arizona's anti-deficiency statute (A.R.S. section 33-814(G)) prevents lenders from pursuing a deficiency judgment after a trustee sale on purchase-money loans for properties on 2.5 acres or less. Non-Judicial Foreclosure type ~90 days Typical timeline Immediate Automatic stay effect Chapter 13: Cure Mortgage Arrears Chapter 13 is the most powerful tool for Phoenix homeowners facing foreclosure: Automatic stay: Filing immediately stops the foreclosure process. Arrears cure: Missed mortgage payments are spread over your 3-5 year plan. You resume regular payments going forward. Lien stripping: If your home is worth less than your first mortgage, you may remove junior liens entirely. Other debt elimination: Credit card debt, medical bills, and other unsecured debt is reduced or eliminated, freeing income for your mortgage. Arizona-Specific Considerations Maricopa County processes more trustee sales than almost any county in the Southwest. Phoenix's rapid population growth and housing price volatility mean many homeowners find themselves underwater. Arizona's anti-deficiency statute is a significant protection: after a trustee sale on a purchase-money deed of trust for property on 2.5 acres or less, the lender cannot pursue you for the shortfall. Frequently Asked Questions Can I keep my house if I file bankruptcy in Phoenix? In most cases, yes. Arizona's homestead exemption protects $250,000 of equity. In Chapter 13, you can keep your home and cure mortgage arrears over 3-5 years. What is the homestead exemption in Arizona? Arizona protects $250,000 under A.R.S. section 33-1101 (increased from $150,000 in 2022). How does foreclosure work in Arizona? Arizona uses non-judicial (trustee sale) foreclosure. The typical timeline is approximately 90 days from the recording of the notice of trustee sale. Can Chapter 13 stop a foreclosure in Phoenix? Yes. Filing Chapter 13 immediately stops foreclosure through the automatic stay. You can cure your mortgage arrears over 3-5 years while resuming regular payments. What happens to my mortgage in Chapter 7? In Chapter 7, you must be current on your mortgage to keep your home. Chapter 7 can eliminate other debts, freeing up income to make mortgage payments. Can I strip off a second mortgage in Phoenix? In Chapter 13, if your home is worth less than your first mortgage, you may strip off your second mortgage entirely under 11 U.S.C. section 1322(b)(2). This can save tens of thousands of dollars. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Free Legal Help for Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/legal-aid.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Free Legal Help for Bankruptcy in Phoenix | Phoenix Bankruptcy Guide›Free Legal Help for Bankruptcy in Phoenix Free Legal Help for Bankruptcy in Phoenix If you are struggling with debt but cannot afford a bankruptcy attorney, these Phoenix-area organizations may be able to help - for free or at reduced cost. Yes. Several organizations in Phoenix provide free legal assistance for bankruptcy cases, including Community Legal Services and the Volunteer Lawyers Program. Eligibility is generally based on income, typically at or below 125-200% of the federal poverty level. Phoenix Legal Aid Organizations Community Legal Services Phone: (602) 258-3434 Website: clsaz.org Community Legal Services is one of the largest legal aid organizations in Arizona. They provide free civil legal assistance to low-income residents of Maricopa County, covering a wide range of issues including consumer debt, creditor harassment, and bankruptcy-related matters. Arizona Legal Center Phone: (602) 258-3434 The Arizona Legal Center provides free legal assistance to low-income individuals in the Phoenix metropolitan area. They offer help with civil legal matters including debt issues and may provide guidance on bankruptcy options. William E. Morris Institute for Justice The William E. Morris Institute for Justice focuses on systemic legal issues affecting low-income Arizonans. They provide legal advocacy, policy research, and direct legal services in areas including consumer protection and debt relief. Contact them to learn about current programs and eligibility. Volunteer Lawyers Program Website: vfrp.org The Volunteer Lawyers Program connects low-income individuals with volunteer attorneys who provide free legal representation. Participating attorneys donate their time to handle civil legal matters, and the program may be able to match you with an attorney experienced in bankruptcy filings. Who Qualifies for Legal Aid? Most legal aid organizations serve people whose household income is at or below 125-200% of the federal poverty level. For reference, the 2026 guidelines are approximately: Single person: $15,060 (100% FPL) - up to ~$30,120 (200% FPL) Family of 2: $20,440 - up to ~$40,880 Family of 4: $31,200 - up to ~$62,400 Each organization sets its own income limits. Even if you are slightly above the threshold, it is worth calling - some programs make exceptions based on circumstances such as medical emergencies, domestic violence, or sudden job loss. Filing on Your Own (Pro Se) If you do not qualify for legal aid but cannot afford an attorney, you have the right to file bankruptcy on your own. This is called filing "pro se." It is more common in Chapter 7 cases, which are generally simpler than Chapter 13. The Pro Se Bankruptcy Guide provides step-by-step instructions for people filing without an attorney. You can also reduce costs by: Requesting a filing fee waiver (Chapter 7 only, if income is below 150% FPL) Paying the filing fee in installments Using free credit counseling agencies approved by the U.S. Trustee Pro Se Filing Guide Frequently Asked Questions Can I get free bankruptcy help in Phoenix? Yes. Several organizations in Phoenix provide free legal assistance for bankruptcy cases, including Community Legal Services and the Volunteer Lawyers Program. Eligibility is generally based on income, typically at or below 125-200% of the federal poverty level. Do I qualify for legal aid? Most legal aid organizations in Phoenix serve people whose income is at or below 125-200% of the federal poverty level. For a single person in 2026, that is roughly $18,000-$30,000 per year. Family size affects the threshold. Contact the organization directly for specific eligibility requirements. What if I make too much for legal aid? If your income is too high for legal aid, consider filing pro se (on your own) using resources at prosebankruptcy.org. Some attorneys offer payment plans or flat-fee arrangements. The Volunteer Lawyers Program may also have options for people slightly above income limits. What documents do I need to apply for free bankruptcy help? Most legal aid organizations will ask for proof of income (pay stubs, tax returns, benefits letters), identification, and a summary of your debts and assets. Bring as much documentation as you can to your first appointment to speed up the process. Browse Other Cities Houston Miami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Pro Se Guide Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Phoenix Means Test: Do You Qualify for Chapter 7? Source: https://phoenixbankruptcy.org/means-test.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Means Test Phoenix Means Test: Do You Qualify for Chapter 7? The means test determines whether you can file Chapter 7 bankruptcy. Your income is compared to the Arizona median income for your household size. Here is how it works for Phoenix residents filing in the D. Ariz.. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. The means test is a calculation required for Chapter 7 bankruptcy that compares your income to the median income in Arizona. If your income is below the median for your household size, you automatically qualify for Chapter 7. If above, you must pass a second calculation that factors in your allowed expenses. What Is the Means Test? The means test was introduced by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). Its purpose is to determine whether a debtor's Chapter 7 filing constitutes an "abuse" of the bankruptcy system based on income. The test works in two parts: Part 1 - Income comparison: Your average monthly income over the past six months is compared to the median income for your household size in Arizona. If you are below median, you qualify for Chapter 7 automatically. Part 2 - Disposable income calculation: If you are above median, the test subtracts allowed expenses from your income. If your remaining disposable income is too low to fund a meaningful Chapter 13 plan, you still qualify for Chapter 7. 2026 Arizona Median Income Thresholds If you live in Phoenix, these are the Arizona income thresholds for the means test. Your total household income over the past six months (annualized) must be below these figures to pass Part 1. Household SizeAnnual Median IncomeMonthly Equivalent 1 person$56,381$4,698 2 persons$72,917$6,076 3 persons$81,646$6,804 4 persons$99,058$8,255 Each additional personAdd approximately $9,900 Phoenix filers are in the D. Ariz.. Courthouse: 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (Sandra Day O'Connor U.S. Courthouse). Step-by-Step Means Test Walkthrough 1Calculate your current monthly income (CMI) Add up all income from all sources for the six full calendar months before your filing date. Divide by six to get your average monthly income. Multiply by 12 to get your annualized figure. Sources include wages, salary, tips, bonuses, overtime, self-employment income, rental income, pension, disability (non-Social Security), alimony received, and any other regular income. 2Determine your household size Count everyone who lives in your household and depends on your income for support. This typically includes yourself, your spouse (even if not filing jointly), and dependent children. 3Compare to Arizona median income Compare your annualized CMI to the Arizona median income for your household size (see table above). If your income is at or below the median, you pass the means test and qualify for Chapter 7. 4If above median: Calculate allowable deductions If your income exceeds the median, you proceed to Part 2. You deduct IRS-approved living expenses, actual secured debt payments (mortgage, car loans), priority debts, and certain other allowed expenses. These deductions are partly standardized (IRS Local Standards for the Phoenix area) and partly based on your actual expenses. 5Calculate disposable income Subtract your total allowed deductions from your CMI. Multiply the remaining monthly disposable income by 60 (representing a 5-year Chapter 13 plan). If the result is less than $10,275, you pass. If more than $17,150, you fail. Between those amounts, further analysis is needed. 6File the appropriate form The means test is filed on Official Form 122A-1 and, if needed, Form 122A-2. Your attorney will prepare these as part of your petition filed in the D. Ariz.. What Happens If You Fail the Means Test? Failing the means test does not mean you cannot file bankruptcy. You have several options: File Chapter 13 instead: Chapter 13 has no means test. You repay debts over 3-5 years while keeping your property. Challenge with special circumstances: Document medical conditions, military service, or other factors justifying additional expenses. Wait and refile: Since the test uses the six months before filing, you may qualify later if income decreases. Re-examine deductions: An experienced attorney may identify overlooked deductions - health insurance, mandatory retirement contributions, childcare costs, or education expenses. File Chapter 11 Subchapter V: For small business owners, Subchapter V may be an option without a traditional means test. Frequently Asked Questions What is the bankruptcy means test? The means test is a calculation required for Chapter 7 bankruptcy that compares your income to the median income in Arizona. If your income is below the median for your household size, you automatically qualify for Chapter 7. If above, you must pass a second calculation that factors in your allowed expenses. What is the median income for the means test in Arizona in 2026? The 2026 Arizona median income thresholds are: 1-person household $56,381, 2-person $72,917, 3-person $81,646, 4-person $99,058. Add approximately $9,900 for each additional household member beyond four. What happens if I fail the means test in Phoenix? If you fail the means test, you can file Chapter 13 instead (no means test required), wait until your income drops below the median, challenge the presumption of abuse with special circumstances, or work with an attorney to re-examine your allowable deductions. Does the means test apply to Chapter 13? No, the means test does not apply to Chapter 13 bankruptcy. However, your income level determines whether your Chapter 13 plan lasts 3 years (below median) or 5 years (above median), and how much you must pay to unsecured creditors. What income counts for the means test? The means test uses your average monthly income from all sources over the six full calendar months before filing. This includes wages, salary, tips, bonuses, overtime, business income, rental income, pension, unemployment, and other regular income. Social Security benefits are excluded from the initial median income comparison. Where do I file the means test in Phoenix? The means test is filed with your bankruptcy petition in the D. Ariz.. The courthouse is located at 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (Sandra Day O'Connor U.S. Courthouse). The means test form is Official Form 122A-1 (and 122A-2 if above median). Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Can I File Bankruptcy on Medical Debt Only? - Phoenix Source: https://phoenixbankruptcy.org/medical-debt-only.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I File Bankruptcy on Medical Debt Only? Can I File Bankruptcy on Medical Debt Only? A free guide for Arizona residents. Filed in D. Ariz.. You cannot selectively file bankruptcy on just one type of debt - all debts must be listed in your petition. However, medical debt IS fully dischargeable in both Chapter 7 and Chapter 13. If medical bills are your primary burden, Chapter 7 may eliminate them entirely in 3-4 months. Before filing, c What You Need to Know You cannot selectively file bankruptcy on just one type of debt - all debts must be listed in your petition. However, medical debt IS fully dischargeable in both Chapter 7 and Chapter 13. If medical bills are your primary burden, Chapter 7 may eliminate them entirely in 3-4 months. Before filing, check if your hospital has charity care programs, negotiate directly, or apply for financial assistance. Many hospitals write off bills for patients below 200-400% of the federal poverty level. In Arizona: Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I File Bankruptcy on Medical Debt Only? You cannot selectively file bankruptcy on just one type of debt - all debts must be listed in your petition. However, medical debt IS fully dischargeable in both Chapter 7 and Chapter 13. If medical bills are your primary burden, Chapter 7 may eliminate them entirely in 3-4 months. Before filing, check if your hospital has charity care programs, negotiate directly, or apply for financial assistance. Many hospitals write off bills for patients below 200-400% of the federal poverty level. How does this work in Arizona? Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org Free Means Test Calculator -- meanstest.org --- ## Medical Debt and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/medical-debt.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Medical Debt Medical Debt and Bankruptcy in Phoenix Medical debt is the leading cause of bankruptcy in America. For Phoenix residents overwhelmed by hospital bills, bankruptcy offers a path to complete elimination of medical debt. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. Medical debt is 100% dischargeable in both Chapter 7 and Chapter 13 bankruptcy filed in the D. Ariz.. It is classified as general unsecured debt. Medical Debt Is 100% Dischargeable Unlike student loans or tax debt, medical debt has no special treatment in bankruptcy. It is fully dischargeable in both Chapter 7 and Chapter 13. Phoenix is home to major hospital systems (Banner Health, Dignity Health, Valleywise Health) that generate significant medical debt. Arizona expanded Medicaid under the ACA, but gaps in coverage persist. Medical debt is 100% dischargeable in bankruptcy and is the leading cause of filing for many Maricopa County residents. Before Bankruptcy: Negotiate First Hospital charity care: Banner University Medical Center, Dignity Health St. Joseph's, Valleywise Health (formerly Maricopa Medical Center) all have financial assistance programs. Nonprofit hospitals are required to provide charity care under IRS rules. Payment plans: Most providers offer interest-free payment plans. Even small monthly payments can prevent a lawsuit. Negotiate the bill: Request an itemized bill and dispute any charges that seem wrong. Many hospitals reduce bills by 25-50% for financial hardship. Medical billing advocates: Professionals who review bills for errors and negotiate on your behalf. When Bankruptcy Makes Sense for Medical Debt Medical debt exceeds several months of income You have medical debt combined with other debts (credit cards, car loans) A lawsuit has been filed or garnishment has started Debt has been sold to a collection agency that refuses to negotiate The emotional burden of constant collection is affecting your health Chapter 7 vs. Chapter 13 for Medical Debt Chapter 7 Eliminates all medical debt in 3-4 months Must pass the means test No repayment required Best if medical debt is your primary problem Chapter 13 Medical debt paid pennies on the dollar over 3-5 years No means test required Can also cure mortgage arrears and protect other assets Best if you also need to save a house or car Phoenix Medical Resources Hospital Financial Assistance Banner University Medical Center, Dignity Health St. Joseph's, Valleywise Health (formerly Maricopa Medical Center) - contact the billing department and ask for a financial assistance or charity care application. Free Legal Help Community Legal Services (602-258-3434), Volunteer Lawyers Program of the Maricopa County Bar (602-254-4714) can help with medical debt disputes and bankruptcy referrals. Frequently Asked Questions Can I discharge medical debt in bankruptcy in Phoenix? Yes. Medical debt is 100% dischargeable in both Chapter 7 and Chapter 13 bankruptcy filed in the D. Ariz.. It is classified as general unsecured debt. Does medical debt affect my credit score? Medical debt under $500 is no longer reported on credit reports (as of 2023). Paid medical collections are removed. Larger unpaid amounts still appear. Bankruptcy eliminates these debts entirely. Should I negotiate medical bills before considering bankruptcy? Yes. Many hospitals reduce bills by 25-50% or offer interest-free payment plans. However, if medical debt is combined with other debts, bankruptcy may provide more comprehensive relief. Can hospitals sue me for medical debt in Arizona? Yes. Hospitals and providers can sue for unpaid debt. If they obtain a judgment, they can pursue collection through wage garnishment and bank levies. What is the statute of limitations for medical debt in Arizona? In Arizona, the statute of limitations for medical debt is 6 years. After this period, creditors cannot sue you for the debt. What hospitals serve Phoenix residents who cannot pay? Banner University Medical Center, Dignity Health St. Joseph's, Valleywise Health (formerly Maricopa Medical Center) all have financial assistance programs for patients who cannot pay. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org --- ## Payday Loans and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/payday-loans.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Payday Loans Payday Loans and Bankruptcy in Phoenix Payday loans trap borrowers in cycles of debt with interest rates exceeding 400% APR. Bankruptcy can break the cycle. Here is how it works for Phoenix residents. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. Payday loans are unsecured debts and are fully dischargeable in both Chapter 7 and Chapter 13. The rare exception is loans obtained through fraud. Are Payday Loans Dischargeable? Yes. Payday loans are unsecured debts and are generally fully dischargeable in both Chapter 7 and Chapter 13 bankruptcy. The only exception is if the lender can prove the loan was obtained through fraud (such as providing false income information on the application). Most payday lenders do not challenge discharge because the cost of litigation exceeds the loan amount. However, some lenders may file a non-dischargeability complaint if you took out the loan very close to filing. Stopping the Payday Loan Cycle The moment you file bankruptcy, the automatic stay stops all collection on payday loans: No more automatic withdrawals: Payday lenders cannot debit your bank account after filing. You may need to close the account or issue a stop-payment to the bank. No criminal threats: Writing a bad check to a payday lender is not a criminal offense. Threats of criminal prosecution are illegal collection tactics. No more rollovers: You do not need to pay to extend the loan. The debt will be discharged. Post-dated checks: The lender cannot cash your post-dated check after you file bankruptcy. Arizona-Specific Payday Loan Rules Arizona payday loan regulations: Arizona banned payday lending in 2010 when its payday lending statute expired. However, online lenders from other states and tribal lenders still target Arizona consumers. Multiple payday loans: If you have several payday loans, all can be discharged in a single bankruptcy filing. Bank account protection: Close any bank account that a payday lender has ACH access to before or immediately after filing. Open a new account at a different bank. Garnishment: Arizona allows garnishment of up to 25% of disposable earnings, following the federal standard. Bank accounts can also be garnished with certain exemptions for Social Security and other protected funds. Filing bankruptcy stops any garnishment immediately. Frequently Asked Questions Can I discharge payday loans in bankruptcy in Phoenix? Yes. Payday loans are unsecured debts and are fully dischargeable in both Chapter 7 and Chapter 13. The rare exception is loans obtained through fraud. Can a payday lender take money from my bank account after I file? No. The automatic stay prohibits all collection including ACH debits. However, you should close the account or revoke the ACH authorization to be safe, as some lenders attempt withdrawals despite the stay. Can a payday lender have me arrested for a bad check? No. Writing a check that bounces due to a payday loan is a civil matter, not a criminal one. Threats of arrest are illegal collection tactics. If a lender threatens this, document it. Should I keep paying payday loans before filing? Generally, no. Once you decide to file bankruptcy, continuing to pay payday loans depletes money you will need for the filing. Consult an attorney before stopping payments. How many payday loans can I include in my Phoenix bankruptcy? All of them. There is no limit to the number of debts you can include in a bankruptcy filing. Every payday loan, regardless of the lender, can be listed and discharged. What if the payday lender sues me before I file? Filing bankruptcy stops any lawsuit through the automatic stay. Even if a judgment has been entered, the debt can still be discharged. In Arizona, creditors can garnish up to 25% of disposable earnings. Filing bankruptcy stops any garnishment immediately. Break the Debt Cycle Automatic Stay Guide Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Can I Undo a Reaffirmation Agreement? - Phoenix Source: https://phoenixbankruptcy.org/reaffirmation-regret.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I Undo a Reaffirmation Agreement? Can I Undo a Reaffirmation Agreement? A free guide for Arizona residents. Filed in D. Ariz.. You have 60 days after the reaffirmation agreement is filed with the court to rescind (cancel) it. After 60 days, your options are limited. You can voluntarily surrender the property, refinance the loan, or negotiate with the creditor. If the reaffirmation was not properly disclosed or you were not What You Need to Know You have 60 days after the reaffirmation agreement is filed with the court to rescind (cancel) it. After 60 days, your options are limited. You can voluntarily surrender the property, refinance the loan, or negotiate with the creditor. If the reaffirmation was not properly disclosed or you were not represented by counsel when signing, there may be grounds to challenge it. Common with car loans where payments become unaffordable post-bankruptcy. In Arizona: Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I Undo a Reaffirmation Agreement? You have 60 days after the reaffirmation agreement is filed with the court to rescind (cancel) it. After 60 days, your options are limited. You can voluntarily surrender the property, refinance the loan, or negotiate with the creditor. If the reaffirmation was not properly disclosed or you were not represented by counsel when signing, there may be grounds to challenge it. Common with car loans where payments become unaffordable post-bankruptcy. How does this work in Arizona? Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com --- ## Renting an Apartment After Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/renting-after-bankruptcy.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Renting an Apartment After Bankruptcy Renting an Apartment After Bankruptcy A free guide for Arizona residents. Filed in D. Ariz.. Finding an apartment after bankruptcy is possible but requires strategy. Most large property management companies run credit checks and will see the bankruptcy. Smaller landlords and individual owners are often more flexible. Tips: offer a larger security deposit, provide references from previous la What You Need to Know Finding an apartment after bankruptcy is possible but requires strategy. Most large property management companies run credit checks and will see the bankruptcy. Smaller landlords and individual owners are often more flexible. Tips: offer a larger security deposit, provide references from previous landlords, bring proof of income, explain the bankruptcy briefly and honestly, consider a co-signer, and look for landlords who advertise 'no credit check' or 'second chance' rentals. In Arizona: Phoenix has a large rental market. Many property management companies use automated screening. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Renting an Apartment After Bankruptcy Finding an apartment after bankruptcy is possible but requires strategy. Most large property management companies run credit checks and will see the bankruptcy. Smaller landlords and individual owners are often more flexible. Tips: offer a larger security deposit, provide references from previous landlords, bring proof of income, explain the bankruptcy briefly and honestly, consider a co-signer, and look for landlords who advertise 'no credit check' or 'second chance' rentals. How does this work in Arizona? Phoenix has a large rental market. Many property management companies use automated screening. Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com --- ## Can Bankruptcy Remove a Repossession From Your Credit? - Phoenix Source: https://phoenixbankruptcy.org/repo-credit-report.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can Bankruptcy Remove a Repossession From Your Credit? Can Bankruptcy Remove a Repossession From Your Credit? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. Bankruptcy does not remove a repossession entry from your credit report. However, filing bankruptcy discharges the deficiency balance - the amount you still owe after the repo and sale. Your credit report should show the balance as $0 after discharge. If it still shows a balance, dispute it with th What You Need to Know Bankruptcy does not remove a repossession entry from your credit report. However, filing bankruptcy discharges the deficiency balance - the amount you still owe after the repo and sale. Your credit report should show the balance as $0 after discharge. If it still shows a balance, dispute it with the credit bureaus under the Fair Credit Reporting Act. The repo notation itself remains for 7 years. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can Bankruptcy Remove a Repossession From Your Credit? Bankruptcy does not remove a repossession entry from your credit report. However, filing bankruptcy discharges the deficiency balance - the amount you still owe after the repo and sale. Your credit report should show the balance as $0 after discharge. If it still shows a balance, dispute it with the credit bureaus under the Fair Credit Reporting Act. The repo notation itself remains for 7 years. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Vehicle Repossession and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/repossession.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Repossession Vehicle Repossession and Bankruptcy in Phoenix If your car is about to be repossessed or has already been taken, bankruptcy may stop the process or get your vehicle back. Here is how it works for Phoenix residents. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. In Arizona, a creditor can repossess without a court order once you default. They cannot breach the peace. How Repossession Works in Arizona No court order required: Once you default, the lender can repossess without going to court. No breach of peace: The repo agent cannot use physical force or break into a locked garage. Notice requirements: The lender must give you notice before selling and your right to redeem. Commercially reasonable sale: The lender must sell in a commercially reasonable manner. Stopping Repossession with Bankruptcy Before Repossession Filing triggers the automatic stay which prevents the lender from taking your vehicle. After Repossession If repossessed but not yet sold, filing can force the lender to return the vehicle. Act quickly - most sell within 10-15 days. Your Options OptionHow It WorksBest For Ch. 13 + RecoveryFile before sale; car returned. Cure payments over 3-5 years.Need the car; can make future payments Ch. 7 + DischargeLet the car go; discharge the deficiencyDo not need this specific car RedeemPay current value in lump sum (section 722)Car worth much less than owed ReaffirmSign new agreement to keep paying original loanCurrent on payments; want to keep car Deficiency Balances in Arizona When a repossessed vehicle sells for less than owed, the difference is a deficiency. For example, if you owed $15,000 and the car sold for $9,000, the deficiency is $6,000. In Arizona, lenders can sue for the deficiency. Bankruptcy can discharge this entirely in both Chapter 7 and Chapter 13. Frequently Asked Questions Can a creditor repossess my car in Arizona? Yes. In Arizona, a creditor can repossess without a court order once you default. They cannot breach the peace. Can bankruptcy stop a repossession in Phoenix? Yes. The automatic stay prevents repossession. Any attempt after filing violates federal law under 11 U.S.C. section 362(k). Can I get my car back after repossession? If you file before the vehicle is sold, the automatic stay can force return. Time is critical - most lenders sell quickly. What is a deficiency balance in Arizona? If the car sells for less than you owe, the remaining balance is a deficiency. In Arizona, lenders can sue for this. Bankruptcy can discharge it entirely. How does Chapter 13 protect my car? Chapter 13 stops repossession, lets you cure missed payments over 3-5 years, and may allow cramdown if the car was purchased 910+ days before filing. What is the vehicle exemption in Arizona? Arizona provides a vehicle exemption of $6,000 per person under A.R.S. section 33-1125(8) (or $12,000 if no homestead is claimed). Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Phoenix Bankruptcy Resources - Courts, Legal Aid, Credit Counseling Source: https://phoenixbankruptcy.org/resources.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Resources Phoenix Bankruptcy Resources Courts, legal aid organizations, credit counseling agencies, and free educational tools to help you navigate the bankruptcy process. The District of Arizona bankruptcy court is at 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 (phone: (602) 682-4000). Bankruptcy Court District of Arizona - Bankruptcy Court Address: 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 Phone: (602) 682-4000 Website: azb.uscourts.gov PACER: ecf.azb.uscourts.gov Legal Aid Organizations Community Legal Services Provides free civil legal services to low-income individuals, including bankruptcy representation. Phone: (602) 258-3434 Website: clsaz.org DNA - People's Legal Services (Navajo Nation areas) Phone: (800) 789-7287 Website: dnalegalservices.org Maricopa County Bar Association - Lawyer Referral Service Can connect you with attorneys who handle bankruptcy cases. Phone: (602) 257-4434 Website: maricopabar.org Credit Counseling and Debtor Education Two courses are required for bankruptcy: a pre-filing credit counseling course and a post-filing debtor education course. You must use agencies approved by the U.S. Trustee Program. Approved agencies: justice.gov - approved agencies Cost: $15-25 per course (reduced fees available for low-income filers) Format: Online, phone, or in-person Time: About 60-90 minutes per course U.S. Trustee Program The U.S. Trustee Program oversees the administration of bankruptcy cases. Region 14 (includes D. Ariz.): (602) 682-2600 Website: justice.gov/ust Free Educational Tools Open Bankruptcy Project Network 1328(f) Discharge Eligibility Screener - check if a prior discharge affects your eligibility Chapter 7 vs. Chapter 13 Comparison Automatic Stay Guide 341 Meeting Guide Means Test Explained National Cost Guide How to File Bankruptcy Case Dismissed? File Again? Non-Dischargeable Debts Dismissal Rate Data Frequently Asked Questions Where is the Phoenix bankruptcy court? District of Arizona: 230 N 1st Ave, Suite 101, Phoenix, AZ 85003 ((602) 682-4000). Is there free legal help for bankruptcy in Phoenix? Yes. Community Legal Services ((602) 258-3434) and DNA - People's Legal Services (Navajo Nation areas) ((800) 789-7287) provide free legal services for qualifying individuals. Where can I take the required credit counseling course? The U.S. Trustee Program maintains a list of approved agencies at justice.gov/ust. Most offer online courses for $15-25. Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Can I Keep My 401k and Retirement in Bankruptcy? - Phoenix Source: https://phoenixbankruptcy.org/retirement-accounts.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I Keep My 401k and Retirement in Bankruptcy? Can I Keep My 401k and Retirement in Bankruptcy? A free guide for Arizona residents. Filed in D. Ariz.. Yes - ERISA-qualified retirement accounts (401k, 403b, pensions) are 100% exempt under federal law, regardless of value. This is one of the strongest protections in bankruptcy. Traditional and Roth IRAs are exempt up to $1,711,975 (adjusted periodically). SEP-IRAs and SIMPLE IRAs get the same ERISA What You Need to Know Yes - ERISA-qualified retirement accounts (401k, 403b, pensions) are 100% exempt under federal law, regardless of value. This is one of the strongest protections in bankruptcy. Traditional and Roth IRAs are exempt up to $1,711,975 (adjusted periodically). SEP-IRAs and SIMPLE IRAs get the same ERISA protection as 401k plans. Your retirement savings are safe. In Arizona: Arizona exempts all ERISA-qualified plans plus IRAs up to $1,711,975. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I Keep My 401k and Retirement in Bankruptcy? Yes - ERISA-qualified retirement accounts (401k, 403b, pensions) are 100% exempt under federal law, regardless of value. This is one of the strongest protections in bankruptcy. Traditional and Roth IRAs are exempt up to $1,711,975 (adjusted periodically). SEP-IRAs and SIMPLE IRAs get the same ERISA protection as 401k plans. Your retirement savings are safe. How does this work in Arizona? Arizona exempts all ERISA-qualified plans plus IRAs up to $1,711,975. Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com --- ## Second Mortgages and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/second-mortgage.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Second Mortgage Second Mortgages and Bankruptcy in Phoenix A second mortgage or HELOC can be eliminated in Chapter 13 bankruptcy if your home is underwater. Phoenix homeowners should understand lien stripping and discharge options. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. In Chapter 13, yes - if your home is worth less than what you owe on the first mortgage. The second mortgage is stripped and treated as unsecured debt. In Chapter 7, you can discharge personal liability but the lien remains on the property. Lien Stripping: Removing Your Second Mortgage Under Chapter 13 bankruptcy, you may be able to completely strip off a second mortgage or HELOC if your home's value is less than what you owe on the first mortgage. This is called lien stripping. How it works: If your home is worth $200,000 and you owe $210,000 on the first mortgage, the second mortgage is wholly unsecured - there is no equity supporting it. The second mortgage becomes unsecured debt and is paid through your Chapter 13 plan at the same rate as other unsecured creditors (often pennies on the dollar). At plan completion, the lien is permanently removed from your property. Valuation: The court determines your home's value, typically through an appraisal or comparable sales analysis. Chapter 7 vs. Chapter 13 for Second Mortgages Chapter 7 Cannot strip liens in Chapter 7 (Supreme Court: Dewsnup v. Timm, 1992) Can discharge personal liability on the second mortgage The lien survives - if you keep the house, the debt remains attached to the property Can surrender the house to eliminate all mortgage obligations Chapter 13 Can strip the second mortgage lien entirely if home is underwater Must complete the 3-5 year plan for the strip to become permanent Cures first mortgage arrears through the plan Arizona homestead exemption ($250,000) protects your home equity Phoenix Housing Market Considerations Home values: Whether lien stripping is available depends on your home's current market value versus your first mortgage balance. An accurate appraisal is essential. HELOCs vs. fixed second mortgages: Both can be stripped if the home is underwater. HELOCs that have been partially drawn may present additional complexity. Foreclosure timing: Non-judicial foreclosure, typically taking about 90 days. Arizona has an anti-deficiency statute on purchase-money mortgages for single-family homes under 2.5 acres. If you are behind on the first mortgage, Chapter 13 lets you cure arrears while stripping the second. Homestead protection: Arizona's $250,000 homestead exemption means your home equity is well-protected whether you strip the second or not. Frequently Asked Questions Can I eliminate a second mortgage in bankruptcy in Phoenix? In Chapter 13, yes - if your home is worth less than what you owe on the first mortgage. The second mortgage is stripped and treated as unsecured debt. In Chapter 7, you can discharge personal liability but the lien remains on the property. What is lien stripping? Lien stripping removes a junior lien (second mortgage, HELOC) from your property when the home is underwater. It only works in Chapter 13 and requires completing the full repayment plan. Do I need an appraisal to strip my second mortgage? Yes. The court needs to determine your home is worth less than the first mortgage balance. This typically requires a professional appraisal or market analysis. What happens to the second mortgage balance after stripping? It becomes unsecured debt in your Chapter 13 plan, paid at the same rate as credit cards and medical bills - often a fraction of the balance. The remainder is discharged at plan completion. Can I strip a HELOC the same as a second mortgage? Yes. HELOCs are treated the same as fixed-rate second mortgages for lien stripping purposes, as long as the home value is less than the first mortgage balance. What if my home value increases during the Chapter 13 plan? The valuation is set at the time of filing. If your home appreciates during the plan, the lien strip still applies. The second mortgage remains stripped as long as you complete the plan. Protect Your Home Keep Your House Discharge Screener Open Bankruptcy Project Network OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Bankruptcy and Security Clearance - Phoenix Source: https://phoenixbankruptcy.org/security-clearance.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Bankruptcy and Security Clearance Bankruptcy and Security Clearance A free guide for Arizona residents. Filed in D. Ariz.. Filing bankruptcy does NOT automatically revoke your security clearance. In fact, the Department of Defense adjudicative guidelines consider financial irresponsibility a greater risk than filing bankruptcy. Filing shows you are taking responsible steps to address your debt. Many clearance holders fi What You Need to Know Filing bankruptcy does NOT automatically revoke your security clearance. In fact, the Department of Defense adjudicative guidelines consider financial irresponsibility a greater risk than filing bankruptcy. Filing shows you are taking responsible steps to address your debt. Many clearance holders file bankruptcy without losing their clearance. The concern is unresolved debt, not the filing itself. Be upfront with your security officer. In Arizona: Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Bankruptcy and Security Clearance Filing bankruptcy does NOT automatically revoke your security clearance. In fact, the Department of Defense adjudicative guidelines consider financial irresponsibility a greater risk than filing bankruptcy. Filing shows you are taking responsible steps to address your debt. Many clearance holders file bankruptcy without losing their clearance. The concern is unresolved debt, not the filing itself. Be upfront with your security officer. How does this work in Arizona? Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com --- ## Small Business Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/small-business.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Small Business Small Business Bankruptcy in Phoenix Phoenix small business owners facing financial distress have more options than ever. From Subchapter V reorganization to Chapter 7 liquidation, here is how to choose. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Yes. Options include Chapter 7 (liquidation), Chapter 13 (sole proprietors, unsecured debt under $526,700 and secured debt under $1,580,125), or Subchapter V (businesses with debt of no more than $3,424,000). The best option depends on your structure and goals. Business Bankruptcy Options OptionBest ForKeep Operating?Filing Fee Chapter 7Businesses that should closeNo$338 Chapter 13Sole proprietors (unsecured debt under $526,700; secured under $1,580,125)Yes$313 Subchapter VBusinesses with debt of no more than $3,424,000Yes$1,738 Chapter 11Larger businessesYes$1,738 Subchapter V: The Small Business Game-Changer Subchapter V of Chapter 11 was created in 2019 specifically for small businesses: Debt limit: $3,424,000 in noncontingent, liquidated debts Timeline: Plan due within 90 days; confirmation typically within 6-9 months No creditor committee: Eliminates one of the most expensive parts of Chapter 11 Owner retains equity: No absolute priority rule Dedicated trustee: Facilitates the case but does not run the business Consensual or cramdown plan: Court can confirm even if creditors object Arizona Small Business Considerations Phoenix's booming construction, technology, and service industries generate substantial small business bankruptcy filings in the D. Ariz. Arizona's anti-deficiency statute protects business owners who used personal residences as collateral. Subchapter V of Chapter 11 is heavily used in the D. Ariz. for businesses with debts of no more than $3,424,000. Personal Guarantees and Business Debt Many Phoenix owners sign personal guarantees on leases, credit lines, and SBA loans. When the business fails, these make you personally liable. Arizona's exemptions ($250,000 homestead, $6,000 vehicle) protect your personal assets, and the remaining guaranteed debt can be discharged. Frequently Asked Questions Can I file bankruptcy for my small business in Phoenix? Yes. Options include Chapter 7 (liquidation), Chapter 13 (sole proprietors, unsecured debt under $526,700 and secured debt under $1,580,125), or Subchapter V (businesses with debt of no more than $3,424,000). The best option depends on your structure and goals. What is Subchapter V of Chapter 11? A streamlined Chapter 11 for businesses with debts of no more than $3,424,000. No creditor committee, owner retains equity, plan due within 90 days, dedicated trustee facilitates the process. Can I keep my business open in bankruptcy? In Chapter 13 and Subchapter V, yes. You continue operating while repaying through a plan. Chapter 7 typically means liquidation. What happens to personal guarantees? Personally guaranteed business debts must be addressed in your individual bankruptcy. Arizona exemptions protect your personal assets. Should I close my LLC before filing? Not necessarily. Consult an attorney. If the LLC has debts you guaranteed, those transfer to your personal case. What is the filing fee for business bankruptcy? Chapter 7: $338. Chapter 11/Subchapter V: $1,738. Subchapter V is much less expensive overall than traditional Chapter 11. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Phoenix Bankruptcy Statistics [2026]: 52,776 Cases Analyzed Across AZ District Phoenix Division Source: https://phoenixbankruptcy.org/statistics.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Statistics Phoenix Bankruptcy Statistics Data from 52,776 Chapter 13 cases in the District of Arizona, analyzed from the Federal Judicial Center Integrated Database (2008-2024). 52,776 Total Ch. 13 Cases (2008-2024) 53.5% Dismissal Rate 46.5% Discharge Rate 24.4% Prior Filer Rate 1,243 Est. 1328(f) Violations 16.2% Pro Se Rate Between 2008 and 2024, the District of Arizona saw 52,776 Chapter 13 filings. Filing volumes peaked around 2010-2011 following the financial crisis and have generally declined since. What These Numbers Mean for You If you are considering Chapter 13 bankruptcy in Phoenix, these statistics should inform your decision: 53.5% of Chapter 13 cases in the D. Ariz. are dismissed. That means many filers spent months or years making payments to a trustee and got no debt relief at the end. 24.4% of filers had a previous bankruptcy case. This "prior filer" rate suggests many people are cycling through the system without achieving lasting relief. An estimated 1,243 cases may involve 1328(f) eligibility issues. These are cases where the debtor may have been ineligible for a discharge from the start. Only 16.2% of filers represent themselves. Quality legal representation is critical to completing a Chapter 13 plan. D. Ariz. Overview MetricD. Ariz. Total Ch. 13 cases (2008-2024)52,776 Dismissal rate53.5% Discharge rate46.5% Prior filer rate24.4% Pro se rate16.2% Est. 1328(f) violations1,243 Key Takeaways The Prior Filer Problem 24.4% of D. Ariz. filers had a prior bankruptcy case. This cycling through the system suggests the first filing failed to provide lasting relief - and raises questions about whether filers were properly screened under section 1328(f). 1,243 Potential 1328(f) Violations An estimated 1,243 cases in the D. Ariz. may involve potential eligibility violations under 11 U.S.C. section 1328(f) - filings where the debtor had a prior discharge within the statutory time bar and could never have received a new discharge. These cases consume court resources and cost consumers time and money for a legally impossible outcome. Representation Matters With only 16.2% of filers representing themselves, the data confirms that legal representation is the norm in the D. Ariz.. Given the 53.5% dismissal rate, the quality of that representation is critical to whether a Chapter 13 plan succeeds or fails. Frequently Asked Questions How many bankruptcy cases are filed in Phoenix? Between 2008 and 2024, the D. Ariz. saw 52,776 Chapter 13 filings. Volumes peaked around 2010-2011 following the financial crisis. What is the Chapter 13 success rate in the D. Ariz.? 46.5% of cases achieved a discharge. 53.5% were dismissed. The prior filer rate is 24.4%. What are 1328(f) violations? Cases where the debtor had a prior discharge within the statutory time bar under section 1328(f) and could never have received a new discharge. An estimated 1,243 such cases exist in the D. Ariz.. Methodology details. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## What Bills Can I Stop Paying Before Filing? - Phoenix Source: https://phoenixbankruptcy.org/stop-paying-bills.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›What Bills Can I Stop Paying Before Filing? What Bills Can I Stop Paying Before Filing? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. Before filing bankruptcy, you can strategically stop paying unsecured debts like credit cards and medical bills. Keep paying your mortgage, car payment, utilities, child support, and alimony. Be aware of the 90-day preference period - large payments to specific creditors before filing can be clawed What You Need to Know Before filing bankruptcy, you can strategically stop paying unsecured debts like credit cards and medical bills. Keep paying your mortgage, car payment, utilities, child support, and alimony. Be aware of the 90-day preference period - large payments to specific creditors before filing can be clawed back. Do not take cash advances or make luxury purchases on credit cards within 70-90 days of filing. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions What Bills Can I Stop Paying Before Filing? Before filing bankruptcy, you can strategically stop paying unsecured debts like credit cards and medical bills. Keep paying your mortgage, car payment, utilities, child support, and alimony. Be aware of the 90-day preference period - large payments to specific creditors before filing can be clawed back. Do not take cash advances or make luxury purchases on credit cards within 70-90 days of filing. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Student Loans and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/student-loans.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Student Loans Student Loans and Bankruptcy in Phoenix Student loan discharge in bankruptcy is difficult but not impossible. For Phoenix residents, here is what you need to know about the undue hardship standard and recent changes. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Discharging student loans is difficult but not impossible. You must file an adversary proceeding in the D. Ariz. and prove undue hardship. Recent DOJ guidance (2023) has made discharge easier. Can Student Loans Be Discharged? Under 11 U.S.C. section 523(a)(8), student loans are presumed non-dischargeable unless you prove "undue hardship" through an adversary proceeding. However, the DOJ issued 2023 guidance making discharge easier, and courts are granting more discharges. The Undue Hardship Standard Most courts use the Brunner test: Current inability to pay: Based on current income and expenses, you cannot maintain a minimal standard of living and repay. Persisting circumstances: Additional circumstances (disability, age, lack of skills) are likely to persist. Good faith effort: You have made good faith efforts to repay, including applying for IDR plans. Arizona-Specific Considerations Arizona residents face the standard federal garnishment rules for student loans (up to 15% of disposable pay via administrative garnishment). The Ninth Circuit applies the Brunner test for undue hardship discharge, but recent DOJ guidance has made it easier to negotiate partial or full discharge. Arizona State University and University of Arizona graduates carry significant student loan debt. Alternatives to Discharge Income-driven repayment (IDR): Cap payments at 10-20% of discretionary income. The SAVE plan further reduced payments. Eliminate other debts: Discharging credit cards and medical bills frees income for student loan payments. Automatic stay protection: Filing stops garnishment and tax refund offset during the case. Public Service Loan Forgiveness: After 120 qualifying payments while working for government/nonprofit. Partial discharge: Some courts discharge a portion of student loans. Chapter 7 vs. Chapter 13 for Student Loan Debtors Chapter 7 Eliminates other debts quickly Can file adversary proceeding for student loan discharge Stops collection for 3-4 months Chapter 13 Stops collection for 3-5 years Can prioritize student loan payments in plan No interest accrues on other debts during plan Frequently Asked Questions Can student loans be discharged in bankruptcy? Discharging student loans is difficult but not impossible. You must file an adversary proceeding in the D. Ariz. and prove undue hardship. Recent DOJ guidance (2023) has made discharge easier. What is the Brunner test for student loan discharge? The Brunner test requires: (1) you cannot maintain a minimal standard of living and repay, (2) additional circumstances are likely to persist, and (3) you made good faith efforts to repay. What is the income-driven repayment alternative? IDR plans cap monthly payments at 10-20% of discretionary income. After 20-25 years, the balance is forgiven. The SAVE plan (2024) further reduced payments. Can student loans garnish my wages in Arizona? Arizona residents face the standard federal garnishment rules for student loans (up to 15% of disposable pay via administrative garnishment). The Ninth Circuit applies the Brunner test for undue hardship discharge, but recent DOJ guidance has made it easier to negotiate partial or full discharge. Arizona State University and University of Arizona graduates carry significant student loan debt. Does bankruptcy stop student loan collection? Yes. Filing stops garnishment, tax refund offset, and Social Security offset for the duration of the case. What about private student loans? Private student loans can potentially be discharged under the same undue hardship standard, and some courts are more willing to discharge private loans. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org Student Loans in Bankruptcy -- bankruptcystudentloans.org Bankruptcy Means Test by State -- bankruptcymeanstest.org --- ## Surrendering Your Car in Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/surrender-car.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Surrendering Your Car in Bankruptcy Surrendering Your Car in Bankruptcy A free guide for Arizona residents. Filed in D. Ariz.. Voluntary surrender means you return the vehicle to the lender. In Chapter 7, the remaining deficiency balance (what you owe minus the car's value) is discharged. You will not owe anything after discharge. The process: notify your attorney, the lender arranges pickup, you remove personal belongings. What You Need to Know Voluntary surrender means you return the vehicle to the lender. In Chapter 7, the remaining deficiency balance (what you owe minus the car's value) is discharged. You will not owe anything after discharge. The process: notify your attorney, the lender arranges pickup, you remove personal belongings. Timeline is typically 30-60 days after filing. Getting a new car after surrender is possible but expect higher interest rates initially. In Arizona: Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Surrendering Your Car in Bankruptcy Voluntary surrender means you return the vehicle to the lender. In Chapter 7, the remaining deficiency balance (what you owe minus the car's value) is discharged. You will not owe anything after discharge. The process: notify your attorney, the lender arranges pickup, you remove personal belongings. Timeline is typically 30-60 days after filing. Getting a new car after surrender is possible but expect higher interest rates initially. How does this work in Arizona? Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org Student Loans in Bankruptcy -- bankruptcystudentloans.org Free Means Test Calculator -- meanstest.org --- ## Tax Debt and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/tax-debt.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Tax Debt Tax Debt and Bankruptcy in Phoenix Certain tax debts can be discharged in bankruptcy if they meet specific timing rules. Here is what Phoenix residents need to know. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Some tax debt can be discharged if it meets the 3-2-240 rules: return due 3+ years ago, filed 2+ years ago, assessed 240+ days ago. Arizona state income taxes may be dischargeable under similar timing rules. The 3-2-240 Rule for Tax Discharge Federal income tax debt may be dischargeable if ALL three timing conditions are met: 3 Years Return due 3+ years before filing 2 Years Return filed 2+ years before filing 240 Days Tax assessed 240+ days before filing Warning: Extensions, amended returns, audits, and prior offers in compromise can toll (pause) these time periods. Get professional analysis before relying on these rules. Tax Debts That Cannot Be Discharged Payroll taxes (trust fund): Never dischargeable if you collected employee withholding. Taxes with no return filed: If you never filed the return, the tax cannot be discharged. Fraudulent returns: Willful fraud or evasion. Recent assessments: Assessed within 240 days of filing. Tax liens: Recorded federal tax liens survive bankruptcy and attach to property owned at filing. Arizona Tax Considerations Arizona has a flat state income tax of 2.5%, so state tax debt can be an issue in Phoenix bankruptcies alongside federal IRS obligations. Arizona state income taxes may be dischargeable if they meet the same timing rules as federal taxes (three-year, two-year, 240-day tests). Maricopa County property taxes must be addressed separately. Chapter 7 vs. Chapter 13 for Tax Debt Chapter 7 Discharge qualifying tax debts entirely Must pass the means test Tax liens survive on existing property Best for old taxes meeting 3-2-240 rules Chapter 13 Priority taxes paid in full over 3-5 years No penalties or additional interest during plan Stops all IRS collection including levies Best for recent non-dischargeable taxes Frequently Asked Questions Can tax debt be discharged in bankruptcy? Some tax debt can be discharged if it meets the 3-2-240 rules: return due 3+ years ago, filed 2+ years ago, assessed 240+ days ago. Arizona state income taxes may be dischargeable under similar timing rules. What tax debts cannot be discharged? Payroll taxes, taxes with no return filed, fraudulent returns, and taxes assessed within 240 days generally cannot be discharged. Tax liens survive bankruptcy. What are the 3-2-240 rules for tax discharge? Three timing rules: (1) return due 3+ years before filing, (2) return filed 2+ years before filing, (3) tax assessed 240+ days before filing. All three must be met. Can Chapter 13 help with non-dischargeable tax debt? Yes. Chapter 13 lets you pay non-dischargeable tax debt over 3-5 years without penalties or additional interest. The automatic stay stops all IRS collection. Does the IRS garnish wages differently? Yes. The IRS can levy wages without a court judgment. Bankruptcy stops IRS levies immediately. Arizona has a flat state income tax of 2.5%, so state tax debt can be an issue in Phoenix bankruptcies alongside federal IRS obligations. Arizona state income taxes may be dischargeable if they meet the same timing rules as federal taxes (three-year, two-year, 240-day tests). Maricopa County property taxes must be addressed separately. Should I file an offer in compromise or bankruptcy in Phoenix? It depends on your total debt. An OIC settles tax debt for less but takes 12+ months. Bankruptcy may be faster and addresses other debts simultaneously. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Will the Chapter 13 Trustee Take My Tax Refund? - Phoenix Source: https://phoenixbankruptcy.org/tax-refund-chapter13.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Will the Chapter 13 Trustee Take My Tax Refund? Will the Chapter 13 Trustee Take My Tax Refund? A free guide for Arizona residents. Filed in D. Ariz.. In most districts, the Chapter 13 trustee requires you to turn over tax refunds above a certain threshold (typically $2,000-$3,000, varies by trustee). Your plan may include specific provisions about tax refunds. You can request a plan modification to retain your refund for a necessary expense. File What You Need to Know In most districts, the Chapter 13 trustee requires you to turn over tax refunds above a certain threshold (typically $2,000-$3,000, varies by trustee). Your plan may include specific provisions about tax refunds. You can request a plan modification to retain your refund for a necessary expense. File your taxes early and communicate with your attorney. Some people adjust their W-4 withholding to reduce refunds during the plan period. In Arizona: Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Will the Chapter 13 Trustee Take My Tax Refund? In most districts, the Chapter 13 trustee requires you to turn over tax refunds above a certain threshold (typically $2,000-$3,000, varies by trustee). Your plan may include specific provisions about tax refunds. You can request a plan modification to retain your refund for a necessary expense. File your taxes early and communicate with your attorney. Some people adjust their W-4 withholding to reduce refunds during the plan period. How does this work in Arizona? Filed in D. Ariz.. Consult a qualified attorney for your specific situation. Where do I file? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Bankruptcy Means Test by State -- bankruptcymeanstest.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Student Loans in Bankruptcy -- bankruptcystudentloans.org --- ## Bankruptcy Timeline in Phoenix: What to Expect Source: https://phoenixbankruptcy.org/timeline.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Timeline Bankruptcy Timeline in Phoenix Understanding the bankruptcy timeline helps you plan and reduces anxiety. Here is what to expect at each stage for cases filed in the D. Ariz.. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Chapter 7 typically takes 3-4 months from filing to discharge in the D. Ariz.. The 341 meeting occurs about 30 days after filing, and discharge about 60 days after that. Chapter 7 Timeline (3-4 Months) 1Pre-filing preparation (2-4 weeks) Gather documents: 6 months of pay stubs, 2 years of tax returns, bank statements, vehicle titles, mortgage statements. Complete pre-filing credit counseling (~$25). 2Filing day (Day 0) Attorney files petition with the D. Ariz.. Automatic stay takes effect immediately. Filing fee: $338. 3341 meeting (Day 21-40) Appear before the trustee (usually by phone/video). Typically lasts 5-10 minutes. Full 341 meeting guide. 4Objection deadline (Day 81-100) Creditors have 60 days after the 341 meeting to object. Most never do. 5Debtor education course Complete post-filing financial management course (~$25) before discharge. 6Discharge (Day 90-120) The court enters your discharge order, eliminating all dischargeable debts. Chapter 13 Timeline (3-5 Years) 1Filing and plan proposal (Month 0) File petition and proposed plan. Begin payments within 30 days. Filing fee: $313. 2341 meeting (Month 1-2) Trustee reviews your plan and may request modifications. 3Plan confirmation (Month 2-4) Court holds confirmation hearing. If the plan meets all requirements, it becomes binding. 4Plan payments (Years 1-5) Monthly payments to the Chapter 13 trustee. Below-median: 3 years. Above-median: 5 years. 5Discharge (End of plan) After completing all payments and debtor education, remaining unsecured debts are eliminated. Key Dates at a Glance MilestoneChapter 7Chapter 13 Automatic stay beginsFiling dayFiling day First plan paymentN/AWithin 30 days 341 meeting21-40 days21-40 days Plan confirmationN/A2-4 months Discharge3-4 months3-5 years Frequently Asked Questions How long does Chapter 7 take in Phoenix? Chapter 7 typically takes 3-4 months from filing to discharge in the D. Ariz.. The 341 meeting occurs about 30 days after filing, and discharge about 60 days after that. How long does Chapter 13 take in Phoenix? Chapter 13 takes 3-5 years. Below-median income allows a 3-year plan; above-median requires 5 years. Confirmation typically occurs 2-4 months after filing. How long to prepare a filing? Most attorneys need 2-4 weeks. Emergency filings can be done in 24-48 hours if needed. How soon does the automatic stay take effect? The instant your petition is filed - not when creditors receive notice. How long does bankruptcy stay on my credit report? Chapter 7: 10 years. Chapter 13: 7 years. Impact diminishes significantly after 2-3 years. Can I speed up the process? Having documents ready speeds preparation. The court process has fixed timelines that cannot be shortened. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Bankruptcy Means Test by State -- bankruptcymeanstest.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Timeshares and Bankruptcy - Phoenix Source: https://phoenixbankruptcy.org/timeshare.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Timeshares and Bankruptcy Timeshares and Bankruptcy A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. You can surrender an unwanted timeshare in Chapter 7 bankruptcy. The remaining balance on the timeshare loan is dischargeable. However, HOA maintenance fees that come due after filing may not be dischargeable. Some timeshare companies aggressively pursue post-discharge fees - know your rights under What You Need to Know You can surrender an unwanted timeshare in Chapter 7 bankruptcy. The remaining balance on the timeshare loan is dischargeable. However, HOA maintenance fees that come due after filing may not be dischargeable. Some timeshare companies aggressively pursue post-discharge fees - know your rights under the discharge injunction. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Timeshares and Bankruptcy You can surrender an unwanted timeshare in Chapter 7 bankruptcy. The remaining balance on the timeshare loan is dischargeable. However, HOA maintenance fees that come due after filing may not be dischargeable. Some timeshare companies aggressively pursue post-discharge fees - know your rights under the discharge injunction. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Can I Travel During Chapter 13? - Phoenix Source: https://phoenixbankruptcy.org/travel-chapter-13.html Phoenix Bankruptcy Guide HomeCh. 7Ch. 13FAQOBP Home›Can I Travel During Chapter 13? Can I Travel During Chapter 13? A free guide for Arizona residents considering bankruptcy. Filed in D. Ariz.. There is no legal restriction on domestic travel during Chapter 13. For international travel, some trustees ask to be notified for extended trips. Luxury vacations may draw scrutiny if the trustee believes you have disposable income that should go to creditors. Budget travel and visiting family are What You Need to Know There is no legal restriction on domestic travel during Chapter 13. For international travel, some trustees ask to be notified for extended trips. Luxury vacations may draw scrutiny if the trustee believes you have disposable income that should go to creditors. Budget travel and visiting family are generally not an issue. Filed in D. Ariz.. Courthouse: 230 N 1st Ave, Phoenix AZ. Frequently Asked Questions Can I Travel During Chapter 13? There is no legal restriction on domestic travel during Chapter 13. For international travel, some trustees ask to be notified for extended trips. Luxury vacations may draw scrutiny if the trustee believes you have disposable income that should go to creditors. Budget travel and visiting family are generally not an issue. Does this apply in Arizona? Yes. This applies to D. Ariz.. Local trustee practices may vary. Consult a qualified attorney. Where is the courthouse? 230 N 1st Ave, Phoenix AZ. Open Bankruptcy Project Network OBP Screener Ch 7 vs 13 Stay 341 Means Test Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loans in Bankruptcy -- bankruptcystudentloans.org Open Bankruptcy Project -- openbankruptcyproject.org Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org --- ## Wage Garnishment and Bankruptcy in Phoenix Source: https://phoenixbankruptcy.org/wage-garnishment.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›Phoenix Bankruptcy Guide›Wage Garnishment Wage Garnishment and Bankruptcy in Phoenix Arizona's wage garnishment rules are standard, but the state's relatively high minimum wage ($14.70/hr in 2026) means the 30x minimum wage threshold provides more protection than in states with lower minimums. Filing bankruptcy in Phoenix stops garnishment immediately and can eliminate the underlying debt. This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation. Arizona allows creditors to garnish the lesser of 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage ($7.25/hr). Arizona minimum wage is $14.70/hr (2026), so the 30x calculation uses the higher state minimum wage for some protections. Bank accounts can also be garnished, though $300 in a single account is exempt. Arizona Wage Garnishment Law Arizona allows creditors to garnish the lesser of 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage ($7.25/hr). Arizona minimum wage is $14.70/hr (2026), so the 30x calculation uses the higher state minimum wage for some protections. Bank accounts can also be garnished, though $300 in a single account is exempt. How Bankruptcy Stops Garnishment Filing bankruptcy in the D. Ariz. triggers the automatic stay which immediately stops all wage garnishment. Day 1: You file your petition. The automatic stay takes effect immediately. Day 1-3: Your attorney notifies the garnishing creditor and your employer. Day 3-7: Your employer stops withholding from your paycheck. Discharge: The underlying debt is discharged, eliminating the garnishment permanently. Recovering Garnished Wages If wages were garnished within 90 days before filing, those funds may be recoverable as a preference payment under 11 U.S.C. section 547. File bankruptcy as soon as possible after garnishment begins to preserve this option. Types of Garnishment in Arizona Debt TypeCan Garnish Wages?How Much? Credit cards / Medical billsYes (with judgment)Up to 25% of disposable earnings Child supportYesUp to 50-65% of disposable earnings Federal student loansYesUp to 15% of disposable earnings Federal tax debt (IRS)YesVaries based on exemptions claimed State tax debtYesVaries Frequently Asked Questions Can creditors garnish my wages in Arizona? Arizona allows creditors to garnish the lesser of 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage ($7.25/hr). Arizona minimum wage is $14.70/hr (2026), so the 30x calculation uses the higher state minimum wage for some protections. Bank accounts can also be garnished, though $300 in a single account is exempt. Does bankruptcy stop wage garnishment in Phoenix? Yes. Filing bankruptcy in the D. Ariz. triggers the automatic stay under 11 U.S.C. section 362, which immediately stops all wage garnishment. Can I get back wages that were already garnished? If wages were garnished within 90 days before filing, they may be recoverable as a preference payment under 11 U.S.C. section 547. What debts can trigger wage garnishment in Arizona? In Arizona, most judgment creditors can garnish wages. Common triggers include credit card judgments, medical debt judgments, and auto deficiency balances. How much of my wages can be garnished? Arizona allows creditors to garnish the lesser of 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage ($7.25/hr). Arizona minimum wage is $14.70/hr (2026), so the 30x calculation uses the higher state minimum wage for some protections. Bank accounts can also be garnished, though $300 in a single account is exempt. What about bank account garnishment? Arizona exempts $300 in a single bank account from garnishment. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new bankruptcy discharge. Free Discharge Screener Means Test Guide Browse Other Cities HoustonMiami Kansas City Minneapolis St. Louis New York Newark San Antonio View All Cities → Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful Student Loan Forgiveness Programs -- studentloanforgive.org 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Open Bankruptcy Project -- openbankruptcyproject.org --- ## What to Expect When Filing Bankruptcy - Timeline, 341 Meeting, Discharge - Phoenix Source: https://phoenixbankruptcy.org/what-to-expect.html Phoenix Bankruptcy Guide HomeChapter 7Chapter 13ExemptionsCostCountiesFAQOBP Home›What to Expect What to Expect When Filing Bankruptcy The bankruptcy process can feel overwhelming, but it follows a clear, predictable path. Here is exactly what happens from start to finish. The 341 meeting is a brief hearing where the bankruptcy trustee asks you questions under oath about your financial situation. Bring photo ID and proof of Social Security number. Most meetings last only 5-10 minutes. Creditors may attend but rarely do. Chapter 7 Timeline 1-4 weeks before filing Preparation Complete a credit counseling course from an approved agency ($15-25). Gather documents: last 2 years of tax returns, 6 months of pay stubs, bank statements, vehicle titles, mortgage statements, and a list of all debts and assets. Day 1 Filing Day Your petition, schedules, and statements are filed with the District of Arizona. The automatic stay takes effect immediately. All collection calls, lawsuits, garnishments, foreclosures, and repossessions must stop. Day 21-40 341 Meeting of Creditors You attend a brief meeting of creditors. The trustee verifies your identity, asks questions about your finances, and reviews your petition. Bring photo ID and Social Security proof. Most meetings last 5-10 minutes. Day 21-60 Debtor Education Course Complete a second financial education course ($10-25). This must be done before the court will grant your discharge. Day 60-90 (after 341) Discharge If no objections are filed, the court enters your discharge order approximately 60 days after the 341 meeting. Eligible debts are eliminated. Shortly after discharge Case Closed The trustee files a final report and the case is closed. Total time from filing: typically 3-4 months. Chapter 13 Timeline Before filing Preparation Complete credit counseling. Work with your attorney to develop a feasible repayment plan. Day 1 Filing Day Petition and proposed plan filed. Automatic stay takes effect. Foreclosures and repossessions stop immediately. Day 30 First Plan Payment Your first monthly payment to the Chapter 13 trustee is due 30 days after filing, even if your plan has not been confirmed yet. Day 21-40 341 Meeting of Creditors Similar to Chapter 7, but the trustee also reviews your proposed repayment plan and may request modifications. Day 45-120 Confirmation Hearing The court decides whether to approve your plan. If approved, you continue monthly payments as scheduled. Years 1-5 Plan Payments Make monthly payments to the trustee for 3-5 years. Report income changes. File tax returns on time. After plan completion Discharge Complete the debtor education course. The court enters a section 1328 discharge, eliminating remaining eligible unsecured debts. Important: In the D. Ariz., 53.5% of Chapter 13 cases are dismissed before plan completion. A dismissed case means no discharge - the debtor gets no debt relief despite months or years of payments. The Automatic Stay - Your Immediate Protection The automatic stay is one of the most powerful protections in bankruptcy law. The moment your petition is filed, creditors must immediately stop: Phone calls, letters, and emails demanding payment Lawsuits and court proceedings against you Wage garnishments Bank account levies Foreclosure proceedings Vehicle repossession Utility disconnections (for 20 days) Creditors who violate the automatic stay can be held in contempt of court and ordered to pay damages. Exception: If you have had a prior bankruptcy case dismissed within the past year, the automatic stay may be limited to 30 days or may not apply at all. Check your eligibility before filing. Frequently Asked Questions What happens at the 341 meeting of creditors? The 341 meeting is a brief hearing where the trustee asks questions under oath about your finances. Bring photo ID and Social Security proof. Most meetings last 5-10 minutes. What is the automatic stay? The automatic stay takes effect the moment your petition is filed. It stops collection calls, lawsuits, garnishments, foreclosures, and repossessions. How long until I get my discharge? In Chapter 7, about 3-4 months after filing. In Chapter 13, after completing your 3-5 year plan. Will bankruptcy affect my credit score? Chapter 7 stays on your credit report for 10 years; Chapter 13 for 7 years. Many filers see scores start recovering within 1-2 years. Learn about rebuilding credit. Check Your Eligibility Use the free 1328(f) screener to check whether a prior discharge affects your eligibility for a new discharge. Free Discharge Screener Open Bankruptcy Project Network OBP Home 1328(f) Screener Ch. 7 vs 13 Automatic Stay 341 Meeting Means Test Cost Guide Dismissed? File Again? How to File Related Phoenix Bankruptcy Resources Phoenix Bankruptcy Guide Chapter 7 in Phoenix Chapter 13 in Phoenix Phoenix Means Test Phoenix Exemptions Bankruptcy Cost in Phoenix Part of the Bankruptcy Transparency Network Real information, no strings. Discharge Screener Open Bankruptcy Project Ch.7 vs Ch.13 Bankruptcy Cost Automatic Stay 341 Meeting Exemptions by State Means Test File Without a Lawyer Rebuild Credit 1099cdebt.com Free bankruptcy education for the public interest. Not legal advice. If you need legal help, contact a licensed attorney in your state. A project of the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). Privacy | Terms ♥ Donate Our research was cited by the federal judiciary as Suggestion 26-BK-3 You May Also Find Helpful 1099-C Cancellation of Debt Tax Guide -- 1099cdebt.com Chapter 7 vs. Chapter 13 Comparison -- chapter7vs13.org Open Bankruptcy Project -- openbankruptcyproject.org --- ## Privacy Policy - phoenixbankruptcy.org Source: https://phoenixbankruptcy.org/privacy.html phoenixbankruptcy.org Home Privacy Privacy Policy How we handle your data. Short version: we don't sell it, share it, or use it for advertising. 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