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Arizona Bankruptcy
Bankruptcy laws and resources vary from state to state. The following page provides information and resource links for the state of Arizona.
If you are not looking for information regarding Arizona, please use the links on the right to find information for your state.
- Courts - Location and Contact Information
- Bankruptcy Laws
- Approved Credit Counseling/Debtor Education Agencies
- Arizona Attorneys
- Other Bankruptcy Arizona Resources
Arizona Bankruptcy Courts - Location & Contact Information
Arizona bankruptcy courts consist of one district, which is further divided into three divisions.
COUNTIES OF JURISDICTION:Phoenix Division - Apache, Coconino, Gila, Maricopa, Navajo and Yavapai Counties
Tucson Division - Cochlee, Graham, Greenlee, Pima, Pinal and Santa Cruz Counties
Yuma Division - La Paz, Mohave and Yuma Counties
| DIVISION | STREET ADDRESS | MAILING ADDRESS | TELEPHONE |
| Phoenix Division |
U.S. Bankruptcy Court 230 N. First Avenue Suite 101 Phoenix, AZ 85003 |
Same | (602) 682-4000 |
| Tucson Division |
U.S. Bankruptcy Court 38 South Scott Avenue Tucson, AZ 85701 |
Same | (520) 202-7500 |
| Yuma Division |
U.S. Bankruptcy Court 325 W 19th Street Suite D Yuma, AZ 85364 |
Same |
(928) 783-2288 |
Arizona Bankruptcy Laws and Exemptions
Arizona Exemptions
The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.
For Arizona bankruptcy filings, state exemptions are used. Click the following links for some common bankruptcy exemptions under Arizona Code: homestead exemption, household furniture, furnishings and appliances, other personal items, money benefits or proceeds.
Contact an Arizona bankruptcy lawyer for more information regarding Arizona bankruptcy exemptions.
Arizona Means Test
The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:
1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here.
2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results ofForm 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation.
Arizona Credit Counseling & Debtor Counseling Agencies
Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Arizona must:
1. take a credit counseling course from an approved Arizona credit counseling provider within six months before filing bankruptcy; and
2. complete a debtor education course from an approved Arizona debtor education agency prior to receiving a bankruptcy discharge.
Arizona Personal Bankruptcy Attorneys
To find Arizona bankruptcy lawyers in your area, you may want to contact your local county bar association or the Arizona State Bar Association:
State Bar of Arizona
4201 N. 24th Street, Suite 200
Phoenix, Arizona 85016-6288
(602) 252-4804
(866) 48-AZBAR (Toll Free)
Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: For organization that provide free or reduced legal services in Arizona, see the State Bar of Arizona's provider directory.
If you are concerned about the representation provided to you by an Arizona bankruptcy attorney, contact:
State Bar of Arizona
Attorney/Consumer Assistance Program
4201 N. 24th Street, Suite 200
Phoenix, AZ 85016
(602) 340-7280
Resources for Arizona Bankruptcy Laws
U.S. Bankruptcy Court for the District of Arizona - administrative and procedural information for Arizona bankruptcy filings
Office of the U.S. Trustee for Region 14 - oversees the administration of Arizona personal bankruptcy cases and case trustees
Arizona State Bar Association - information about the Arizona bar, membership, ethics, continuing legal education, and resources for the public.
       
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