Arizona Bankruptcy Laws, Exemptions. Find a Local Lawyer for Free
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Arizona Bankruptcy Laws

Considering Filing Bankruptcy in Arizona?

An overview of Arizona’s bankruptcy laws can be found here, including information on property exemptions, Chapter 7 and Chapter 13 bankruptcy. Get more information on bankruptcy and which option may fit you by speaking with an Arizona bankruptcy lawyer.

Your bankruptcy lawyer can give you further information about the state laws that apply to your case.

After getting more facts about the bankruptcy process, you  may be able to make an informed choice about which debt-relief option suits your needs.

Fill out the form on this page to schedule an appointment with a local Arizona bankruptcy attorney. Or call, toll free, 877-349-1309.

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Arizona Bankruptcy Law

An Arizona bankruptcy lawyer will probably start your meeting by explaining the difference between Chapter 7 and Chapter 13 bankruptcy.

During your consultation, your bankruptcy lawyer may also ask you to answer a few personal questions or have you fill out an intake sheet to collect specific information about your debts, assets and your financial goals. Your answers can help you and your bankruptcy lawyer decide if filing Chapter 7 or Chapter 13 bankruptcy is best for your circumstances.

Chapter 7 bankruptcy is also known as “liquidation” because in Chapter 7 bankruptcy cases, the bankruptcy trustee may opt to sell, "liquidate," any non-exempt property owned by the debtor.

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In the vast majority of Chapter 7 bankruptcy cases, the debtor does not own any non-exempt assets, so the trustee does not sell any property.

For debtors that own little property, this may be an attractive option because it may be possible to have many unsecured debts discharged.

Filing bankruptcy can provide protection from home foreclosure and repossession. Protect your family and future. Get information about how bankruptcy can help from local bankruptcy lawyers.

Debtors who are considering filing Chapter 7 bankruptcy should discuss which and how much of their property may be exempt from liquidation with an Arizona bankruptcy lawyer.


  • Real property, including a condo, co-op or a mobile home, worth up to $150,000 in value is exempt.


  • 75 percent of weekly disposable wages are exempt from liquidation in Arizona.


  • One vehicle of up to $5,000 fair market value is exempt. However, if the debtor is disabled the exempt vehicle may have up to a $10,000 fair market value.

Personal Property

  • Husband and wife filing jointly may double all personal property exemptions.
  • Up to $4,000 of household furnishings and appliances. Additionally, up to $500 in clothing is exempt.
  • Up to $2,500 of tools and equipment used for business.
  • Up to $500 of clothing.
  • Food, fuel and provisions for six months are fully exempt.

Chapter 13 bankruptcy is also known as “reorganization.” Debtors who have many assets may find filing Chapter 13 bankruptcy attractive because they could be able to keep most of their property.

After filing Chapter 13 bankruptcy, debtors must create a repayment plan to submit to the bankruptcy court for approval. This plan allows the debtor three-five years to catch up on outstanding debts.

Talk to an Arizona Bankruptcy Lawyer Today

If you are considering filing bankruptcy in Arizona, you may feel overwhelmed by the state’s bankruptcy laws.

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Your Arizona bankruptcy lawyer may be able to explain the bankruptcy process to you in basic terms in order to clear up any confusion about the laws. When you speak with your attorney, you may also be able to get answers to any lingering questions you may have about your case.

At Total Bankruptcy, we make it easy to find a local bankruptcy lawyer. Simply fill out the free case evaluation form on this page or call us at 877-349-1309, and we’ll connect you with an Arizona bankruptcy lawyer near you right away.

In the Phoenix area? Get help finding a Phoenix bankruptcy lawyer.

Note: Keep in mind Arizona bankruptcy laws can be complex. If you need legal advice or want to fully understand how these laws affect you, please speak with a local Arizona bankruptcy lawyer.

Arizona bankruptcy laws may have changed since our last update. For the latest information on your state's bankruptcy laws, speak to a local Arizona bankruptcy lawyer.

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