A Chapter 7 bankruptcy is also known as a liquidation bankruptcy. Debtors who file for relief under chapter 7 surrender nonexempt assets to be sold and the proceeds given to the creditors to repay or to partially repay debt. Certain property is exempt and these exemptions may vary from state to state. Once the nonexempt assets are sold, most types of debt will be discharged.

Chapter 7 bankruptcy is available to eligible individuals and businesses. A “means test” is provided to determine whether or not a debtor qualifies for chapter 7 bankruptcy. Generally speaking, an individual debtor will qualify if his or her income is lower than the median income in the state where he or she resides. If a debtor’s income exceeds his or her state’s median income, additional factors must be considered to determine qualification.

Filing for bankruptcy may stop creditors’ calls and suspend collection action such as foreclosure, repossession, or wage garnishment. It can also provide the relief you need to start fresh and begin rebuilding your financial future. Contact one of our chapter 7 bankruptcy attorneys in Scottsdale or Phoenix for a free consultation to discuss bankruptcy and other options to manage burdensome debt.

Stop Collections.

Bankruptcy will immediately stop most collection activity, including creditors' calls and wage garnishment.

Save Property.

Our bankruptcy attorneys can help you protect exempt property and assets from seizure or liquidation.

Discharge debt.

After your bankruptcy, eligible debt will be fully discharged. Regain control over your financial future.

You have bankruptcy questions, we have answers.

Chapter 7 relief is available to individuals and businesses who qualify under the means test.
The cost of bankruptcy depends on the complexity of the case and whether the debtor hires an attorney. The filing fee for Chapter 7 bankruptcy in Arizona is $335, but additional court fees may be required.
A bankruptcy attorney is not required, but it is recommended. Most bankruptcies filed without an attorney are unsuccessful.

Barring any complications, chapter 7 bankruptcy can typically be completed within about ninety days.
No. Most property is protected up to a specific aggregate dollar value by bankruptcy exemptions.

Arizona Bankruptcy Exemptions
Unfortunately, no. Some debt is non-dischargeable. Examples of non-dischargeable debt include:

  • tax debt;
  • spousal maintenance;
  • child support;
  • certain civil judgments;
  • student loan debt;
  • debt incurred after filing;
  • debt incurred in contemplation of bankruptcy;
  • debt incurred through fraud or misrepresentation

Bankruptcy Attorneys

Scottsdale bankruptcy attorneys

North Scottsdale


16427 North Scottsdale Road
Suite 410
Scottsdale, Arizona
tel (480) 550-8697



Phoenix bankruptcy attorneys

Central Phoenix


2415 East Camelback Road
Suite 700
Phoenix, Arizona
tel (602) 730-6436



Contact Us Today

Contact our Chapter 7 bankruptcy attorneys by telephone, text message, or e-mail to arrange a complimentary consultation to discuss your options to manage burdensome debt.