Arizona Bankruptcy

3,723 families have filed bankruptcy using Upsolve. Learn More.

Written by Andrea Wimmer, Esq..  
Updated April 22, 2020


Live in Arizona and need help filing for bankruptcy and can't afford an attorney? Our legal aid nonprofit guides Arizona debtors through the chapter 7 process.

Arizona was one of the hardest hit states during the recession and lots of folks ended up filing a Chapter 7 bankruptcy in Arizona to deal with the resulting issues in their personal lives. One of the most important things to remember when considering your options is that taking advantage of the protections made available to you is not something to be ashamed of. After all, life happens and when your financial security is jeopardized by something completely out of your control, there is nothing wrong with dealing with it by seeking bankruptcy protection in Arizona. Remember, the Arizona Coyotes did, as did the popular in-flight magazine Skymall and the Bob Bondurant School of High Performance Driving, the world’s largest high-performance driver-training facility. Sometimes you have to do the hard thing to make things right for you and your family and Arizona bankruptcy laws help you make sure that you end up having everything you need to get your budget back on track after bankruptcy.

How to File Bankruptcy in Arizona for Free

There are two main costs associated with filing Chapter 7 in Arizona: The court filing fee and attorney's fees. You do not have to have an attorney to file bankruptcy, and can instead take advantage of the court's self-help center to have some basic questions answered. Additionally, if your income is less than 150% of the federal poverty guidelines, the court may waive the fee normally due from everyone filing a Chapter 7 bankruptcy in Arizona.

Collect Your Arizona Bankruptcy Documents

Whether you are working with an attorney, using Upsolve, or taking care of everything by yourself, you will need to collect certain documents before you can file your Chapter 7 bankruptcy in Arizona. Since giving proper notice to everyone you owe money to is critical in any bankruptcy, you should start by pulling a free credit report from each of the three credit reporting agencies. Once done, make sure to check the collection letters you've been getting in the mail, so you can add any creditors or debt collectors that have not yet shown up on your credit report. You will also need your federal income tax returns for the last two years, your paycheck stubs, a copy of your divorce decree (if you divorced in the last 10 years) and bank statements for all of your accounts. Filing bankruptcy in Arizona means not only completing the forms that need to be filed with the court, it also means cooperating with the trustee, and collecting all of your documents first will help you stay organized and on top of things.

Take Credit Counseling

Anyone seeking relief under Arizona bankruptcy laws must take credit counseling before they can file their case. It's important you take this course from an approved provider. Most of them allow you to complete it online or by phone. If you are more comfortable attending the course in person, you can do so in either Scottsdale or Phoenix. Unfortunately, at this time, there are no approved providers offering an in person version of this course outside the Phoenix metro area. If you prefer taking the course in Spanish, don't worry - a number of the companies offering it do have a Spanish language option. Filing Chapter 7 in Arizona will alleviate the stresses of having to deal with aggressive debt collectors; even if you don't think you need this course because you are in the situation due to no fault of your own. It will only take you one or two hours to complete this class. Also, the certificate of completion you will receive once you have completed the course is good for 180 days, so you have plenty of time to get your case filed before the certificate expires.

Complete the Bankruptcy Forms

The bankruptcy forms are the documents that are filed with the court to start your Chapter 7 bankruptcy in Arizona. These forms are a combination of official national forms and one local form. You can stop by the court's self help center to get a hardcopy of all the forms, or download them online for free. Folks that are eligible for help from Upsolve will get the forms directly from us, with their information already populated throughout and ready for filing with the court. Everyone filing "pro se" (without an attorney) also has to complete and  file a separate declaration specifically created for folks filing without a lawyer. If you are filing bankruptcy in Arizona with the help of an attorney, they will prepare the forms for you, then have a meeting to go over all the information with you. This allows them to make sure you didn't miss anything when filling out their office questionnaire, and gives you the chance to review and sign all the documents needed to start your case.

Get Your Filing Fee

The fee for filing a bankruptcy case under Chapter 7 in Arizona is $335. You can pay this fee with either a money order or a cashier's check in that amount, payable to the "Clerk, U.S. Bankruptcy Court." If you are unable to pay the full fee at the time your bankruptcy case is filed, the court will accept a down-payment of sorts in the amount of $80 along with an application to pay the remainder of the fees in monthly installments. If you have an attorney, it's important to make sure they file the required attorney fee disclosure with the court before asking for an installment plan on your behalf, as the court will not consider the request otherwise. Finally, if your income is less than 150% of the federal poverty guidelines, you can avoid having to pay the filing fee completely, instead filing an application to have the fee to file your case waived. Although the court's website indicates that you have 14 days from the date of filing Chapter 7 in Arizona to either pay the fee, or file the request for a waiver or payment plan, it's best to have a game plan before you file, and have the necessary paperwork ready to hand to the clerk right then and there. If you don't, the court will throw out your case if you miss the 14-day deadline to get this done.

Since only lawyers are allowed to use the court's electronic filing system for new cases, you will have to bring all of your bankruptcy forms to the court in person if you are filing without one. The court has put together a list of required forms needed for filing Chapter 7 bankruptcy in Arizona. If you do not have access to a printer, check out your local OfficeMax, or similar store with printing services. Although you only need one complete set of the forms to start your Chapter 7 bankruptcy in Arizona, it is recommended to print two complete copies. That way, you have one full set of everything that the court has for your own records. If you want to get notices of what is going on in your case via email, you should also complete and file the DeBN request form, at the same time as your bankruptcy paperwork is filed. Finally, make sure that everything is printed on regular sized (8.5" x 11") white paper, one page per sheet. Do not print on both sides of the paper, even though that may be cheaper. The court will not accept this.

Go to Court to File Your Forms

You can file your case in either the Phoenix, Tucson, or Yuma location, though the Yuma location will not accept your court filing fee, instead requiring that it is mailed to the Phoenix location. The clerk's office, where folks filing bankruptcy in Arizona have to go to actually file their case, is open between 8:30 a.m. and 4:00 p.m. It's busiest times are during lunch (between 11 - 1 p.m.) and in the last hour of the day (between 3 - 4 p.m.); so if you can, go during other hours to avoid having to stand in a long line. Since bankruptcy is a federal proceeding, and you are going to a federal courthouse, you will be required to show a picture ID and pass through a security check on your way into the building, so be sure to leave your firearms at home when you head out. Parking at the Phoenix location can be a little tricky, with metered spots and expensive parking garages surrounding the courthouse. However, it is very close to a Phoenix Light Rail station, so consider that as an alternative when heading to court. Although you only need one copy of your bankruptcy forms when you file your Chapter 7 bankruptcy in Arizona, consider bringing the second copy with you to have the clerk stamp it for you with all the important details about your case.

Mail Documents to Your Trustee

About a week to ten days after filing Chapter 7 in Arizona, you will receive a letter from the trustee that is handling your case. This letter typically includes a questionnaire for you to complete, along with a request for some additional documents. Most Arizona bankruptcy trustees will send this letter directly to  you, even if an attorney represents you. It's important to keep an eye out for it and follow the instructions with respect to sending everything to the trustee in a timely fashion. One of the documents you are required to provide is your most recent federal income tax return. Arizona bankruptcy laws make it your job to redact (black out) all sensitive information, like social security numbers and the names of your minor children, before sending your documents to the trustee. If you do not submit the documents to the trustee within the timeframe they give you, you may be required to attend a second 341 meeting after the first one. Although the trustees in this district do not have a uniform document request, all of them typically request copies of bank statements (especially the statement that covers the filing date), copies of vehicle titles, and, if you are divorced, a copy of your divorce decree.

Take Bankruptcy Course 2

One of the final hurdles you will have to clear before the court will enter your discharge in your Chapter 7 bankruptcy in Arizona is to complete a course on financial management. The court will even send you a notice about this course shortly after your case is filed, although you can't actually take this course until after your case has been filed. In fact, it doesn't even have to be completed before the 341 meeting, but it makes sense to get it out of the way. This way, you know you are completely done with all of the minimum requirements when you are done with your 341 meeting. You have to make sure that you go to a company approved to offer this course to folks filing bankruptcy in Arizona. If you liked the company you used for your first class, you may want to find out right then and there if they are approved to offer this second course, too. You may even be able to get a package deal!

Attend Your 341 Meeting

The 341 meeting, also called a meeting of creditors, is one of the most stressful parts of filing Chapter 7 in Arizona. After all, you have to go to court to answer questions under oath. In reality, as long as you spend just a little bit of time preparing for it and don't forget your IDs at home, it will be over before you know it. Most folks walk out of their 341 meeting not only relieved, but also surprised about how quick and painless it was. Your creditors may attend this meeting to ask you questions, but that does not happen very often. The meeting is recorded, so make sure you answer loudly and clearly. Additionally, even though you may already know what the trustee is going to ask you, having seen others who are in a Chapter 7 bankruptcy in Arizona, answer the exact same questions just minutes earlier, let the trustee finish each question before speaking. Otherwise, you end up speaking over them, making it difficult for the recording to catch what everyone is saying.

Dealing with Your Car

Your car plays two roles in your Chapter 7 bankruptcy in Arizona. For one, it is an asset of yours. If you own the car outright, and don't have a loan you are still paying on, you can keep the car as long as it is worth less than $6,000. If you are married, you can protect two cars worth up to that amount each, or one vehicle with a value of no more than $12,000. If you are still making payments on your car loan, then you can keep the car, but only if you also pay for it. To accomplish that, you can enter into a reaffirmation agreement with the lender, agreeing to continue to be responsible for the balance due under the car loan. If you don't have a lawyer that signs off on the reaffirmation agreement (and a lot of Arizona bankruptcy lawyers won't, if there is no equity), the court will set a hearing to discuss your reaffirmation agreement and make sure it is in your best interest to approve it. If the monthly car payment is more than you can manage based on your income and other expenses, you should consider surrendering the vehicle, especially if the loan balance is much larger than the value of the vehicle. Remember, you are filing bankruptcy in Arizona to get a fresh start, so it doesn't make sense to set yourself up for continued struggles due to a car payment that doesn’t make sense for you and your family.

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Arizona Bankruptcy Means Test

The Arizona bankruptcy means test determines whether you are eligible to file a Chapter 7 bankruptcy in Arizona by first comparing your household income to the median household income for a household of your size. If you make less, you qualify for Chapter 7 relief. If your income is greater than that, the second part of the means test calculation determines whether you qualify based on how much money you have left after paying allowed expenses, including your mortgage, car payment (if you are keeping the car) and other living expenses. If you "fail" the Arizona means test for bankruptcy, just remember that this means that you are better off than a lot of other folks, and should find out whether Chapter 13 bankruptcy in Arizona is right for you instead.

Data on Median income levels for Arizona

Arizona Median Income Standards for Means Test for Cases Filed On or After May 1, 2020
Household SizeMonthly IncomeAnnual Income

Data on Poverty levels for Arizona

Arizona Fee Waiver Eligibility for Cases Filed On or After May 1, 2020
Eligible for fee waiver when under 150% the poverty level.
Household SizeState Poverty LevelFee Waiver Limit (150% PL)
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Arizona Bankruptcy Forms

The Arizona bankruptcy forms are a combination of national forms, which are the same format in every bankruptcy in every state, and some local forms. The national forms are made available by the U.S. Courts, and all local Arizona forms can be obtained by going to the court's website. Since Arizona is a single district, even the local forms are the same whether you file your Chapter 7 bankruptcy in Arizona in the Phoenix, Tucson, or Yuma division.

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District of Arizona Requirements

There is only one bankruptcy district in Arizona, but the county you live in determines which division will handle your Chapter 7 bankruptcy in Arizona. The Phoenix Division will be assigned to your case if you live in Apache, Gila, Maricopa, or Navajo County. The Tucson Division handles cases for folks that live in the counties of Cochise, Graham, Greenlee, Pinal, and Santa Cruz. Folks in La Paz, Mohave, or Yuma County will have their case assigned to the Yuma Division, and last but not least, the Prescott Division will handle your Arizona bankruptcy if you live in Coconino or Yavapai County. The Arizona bankruptcy judges conduct most of their business from the courthouses located in Phoenix and Tucson, but also travel to the outlying counties on a regular basis to hold hearings.

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Arizona Bankruptcy Exemptions

Arizona has opted out of the federal bankruptcy exemptions, instead requiring everyone who has lived in Arizona for at least two years to use Arizona bankruptcy laws to protect their assets. Unfortunately, Arizona bankruptcy exemptions do not have a wildcard provision that can be applied for otherwise unprotected property. Further, funds in excess of $300 ($600 if you are married) in your bank account on the date your Arizona bankruptcy is filed are not protected. Your best bet to avoid running into issues with this is to file your case right before your next payday, and after you have spent the funds in your account to pay for necessary living expenses such as monthly bills, groceries, etc.

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Arizona Bankruptcy Lawyer Cost

Folks filing a Chapter 7 bankruptcy in Arizona with the help of an attorney typically pay a flat fee for the entire representation. The cost of a bankruptcy lawyer ranges from $750 to $1,500 for a standard case, though depending on how complex your financial situation is, may be more. The best way to find out how much your Arizona bankruptcy would cost is to take advantage of the free consultation offered by a lot of Arizona attorneys.

  • Attorney cost estimate: $750 – $1,500

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In addition to the Court’s Self-Help Center providing a lot of guidance for folks considering bankruptcy as an option, Arizona legal aid organizations are available to assist you if you feel more comfortable speaking to someone face-to-face but cannot afford an attorney. Arizona’s Community Legal Services has offices in several locations across the state and routinely advises low-income Arizonans filing a Chapter 7 bankruptcy in Arizona. Additionally, Southern Arizona Legal Aid serves the nine southern counties in Arizona.

Community Legal Services, Inc.
(602) 258-3434
305 South 2nd Avenue, P.O. Box 21538, Phoenix AZ 85036-1538

DNA-Peoples Legal Services, Inc.
(928) 871-5630
Route 12, Highway 264, P.O. Box 306, Window Rock, AZ 86515-0306

Southern Arizona Legal Aid, Inc.
(520) 623-9465
Continental Building, 2343 East Broadway, Suite 200, Tucson, AZ 85719

Nationwide Service (NYC Office)

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Arizona Court Locations

James A. Walsh United States Courthouse
38 South Scott Avenue Tucson, AZ 85701

James A. Walsh United States Courthouse

John M. Roll United States Courthouse
98 West 1st Street Yuma, AZ 85364

John M. Roll United States Courthouse
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Arizona Judges

Arizona Bankruptcy Judges
DistrictJudge Name
District of ArizonaHon. Brenda Whinery
District of ArizonaHon. Daniel P Collins
District of ArizonaHon. Eddward P. Ballinger
District of ArizonaHon. Madeleine C. Wanslee
District of ArizonaHon. Brenda K. Martin
District of ArizonaHon. Paul Sala
District of ArizonaHon. Scott H. Gan
District of ArizonaHon. George B. Nielsen
District of ArizonaHon. Redfield T. Baum
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Arizona Trustees

Arizona Trustees
TrusteeContact Info
Dina L.
(480) 304-8312
David A.
Roger W.
Jill H.
Lothar H.
Eric M.
(602) 218-5136
Stanley J.
Robert A.
Anthony H.
Gayle E.
(520) 792-1115
Brian J.
Trudy A.
(480) 759-0524
David M.
(602) 241-0101
Jim D.
Dale D.
Lawrence J.
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About the author

Andrea Wimmer, Esq.

Andrea practiced exclusively as debtors’ counsel in consumer chapter 7 and 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team full time in August 2019. While in private practice, Andrea handled all ban... read more

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