If debt collectors are calling and unsecured bills keep piling up, Arizona Chapter 7 bankruptcy may offer the fastest legal path to a fresh start. Rock Law Firm, based in Gilbert, Arizona, has helped residents across the Grand Canyon State — including Gilbert, Chandler, Mesa, Tempe, Queen Creek, and Phoenix — eliminate credit card debt, medical bills, and other unsecured obligations through Chapter 7 relief.
Attorney Jacob Goodman built Rock Law Firm on a simple idea: filing bankruptcy is already hard enough without a lawyer who makes you feel judged. We call ourselves the “nice guy law firm” because we meet clients with empathy, not lectures — and we offer low-down payment Chapter 7 filing options for those who qualify.
Chapter 7 bankruptcy is a liquidation bankruptcy that discharges most unsecured debt — including credit cards, medical bills, personal loans, and old utility balances — typically within a few months and without a repayment plan. It remains the most commonly filed form of consumer bankruptcy nationwide, with more than 565,000 individual Chapter 7 cases filed across the U.S. in 2025 alone, according to Epiq AACER bankruptcy data.
Unlike Chapter 13, Chapter 7 does not require you to repay creditors over three to five years. Instead, a court-appointed trustee reviews your assets, sells anything that isn’t protected by an exemption, and distributes the proceeds to creditors. Because Arizona’s exemption laws are generous, most people who file Chapter 7 keep their essential property — including their home and vehicle — while discharging the debt that’s been dragging them down.
To file Chapter 7 in Arizona, you generally must meet the following requirements:
For cases filed on or after April 1, 2026, the Arizona median income figures used in the means test are approximately: $73,935 for a one-person household, $89,027 for two people, $104,965 for three people, and $121,174 for four people, with roughly $11,100 added per additional household member. The U.S. Trustee Program updates these figures periodically, so the exact numbers should be confirmed at the time you file — our office verifies the current figures for every client.
Arizona is an “opt-out” state, meaning residents must use Arizona’s own exemption list rather than the federal bankruptcy exemptions. Arizona’s exemptions are among the most generous in the country:
Because Arizona does not offer a general “wildcard” exemption, every asset needs to fit a specific statutory category to be protected. This is one of the biggest reasons to have an experienced Arizona bankruptcy attorney review your assets before you file — misclassifying even one item can put it at risk.
Chapter 7 provides broad relief from unsecured debt, but certain obligations survive bankruptcy in Arizona, including:
Chapter 7 isn’t the right fit for everyone, and part of our job is making sure you understand all your options before you commit to one. Depending on your situation, alternatives may include:
We’ll walk through all of these with you during your free consultation so you can make an informed decision — not a rushed one.
Don’t face bankruptcy alone in Arizona — let Rock Law be your rock through the storm of debt.
Most people who file Chapter 7 in Arizona keep their home and vehicle. Whether you keep an asset depends on whether it falls under an available exemption, whether it’s tied to a loan (lien), and whether payments are current. Arizona’s homestead and vehicle exemptions are generous enough that most filers with typical mortgage and auto loan balances retain both exemptions.
Child support, spousal maintenance, most student loans, and most recent tax obligations are not discharged in an Arizona Chapter 7 case. Secured debts remain attached to the collateral unless you surrender the property.
There’s no online calculator that can answer this for you responsibly. During your free consultation, we’ll review your assets, debts, income, and expenses to determine whether bankruptcy is your best option and, if so, which chapter is the best fit for your situation.
Yes. Credit counseling, debt consolidation, and creditor negotiation can sometimes resolve debt problems without a bankruptcy filing. We discuss every option with you before recommending a path forward.
Costs include the federal filing fee plus attorney fees, which vary based on case complexity. Rock Law Firm offers low-down Chapter 7 options for clients who qualify, because we don’t believe you should need money in the bank to get debt relief.
A Chapter 7 bankruptcy can remain on your credit report for up to 10 years from the filing date, though many clients see their credit scores begin recovering well before then as they rebuild with on-time payments and responsible credit use.
