What Court are Bankruptcies Filed In in Arizona?

Filing bankruptcy can be a complicated process, especially if you try to do it on your own. There are different chapters of bankruptcy that can be filed within the court system. The chapters most commonly filed by individuals and married couples are Chapter 7 and Chapter 13. Arizona can be a confusing state when you are trying to file bankruptcy. Hiring legal representation that specializes in Arizona bankruptcy cases can help make the process go smoothly.

Chapter 7 Bankruptcy in Arizona

Chapter 7 bankruptcy, put simply, is the elimination of debt. When you file for bankruptcy, you will list all of your eligible debt for review and potential discharge. You will be required to partake in a legal meeting that is called “the meeting of creditors”, which is typically headed by the trustee assigned to your case. You are permitted to have your lawyer present for this.

This meeting can be somewhat invasive. The trustee will take a deep dive into your financials and your spending habits. They will find out if you cannot pay back the debt you have accumulated over the years. Your creditors will be invited to this meeting, but very few ever show up. After this, you receive your court date and go in front of a judge. The judge asks you questions and then will rule either for or against the discharge of your debt.

Chapter 13 Bankruptcy in Arizona

Chapter 13 is a bankruptcy that is used to restructure your debt so that you can pay on it. If you adhere to the stipulations within this bankruptcy, you will have your debt discharged after paying on it for so long. This plan will be set up with the trustee for your bankruptcy case. Much like a Chapter 7, you will present the courts with a list of creditors that you would like included in the bankruptcy.

The trustee will take these creditors, and the amounts owed and come up with a feasible monthly payment. The trustee will also keep a watchful eye on your checking account and spending habits. If you follow through with the entire process, the courts will discharge the remaining debt at the end of the repayment period.

Arizona Bankruptcy Courts

If you plan on filing bankruptcy in the state of Arizona, you should not only obtain legal counsel but also do your research on the matter. The website for the United States Bankruptcy Court, District of Arizona, has a lot of resources available for those who may have questions about bankruptcy. Be mindful, though, that certain city courts only do specific bankruptcy procedures.

• Phoenix
  • U.S. Bankruptcy Court
    230 N 1st Ave, Ste 101
    Phoenix, AZ 85003
• Tucson
  • U.S. Bankruptcy Court
    38 S Scott Ave
    Tucson, AZ 85701
• Yuma (hearing and in-person filing location)
  • U.S. Bankruptcy Court
    98 W 1st St, 2nd Floor
    Yuma, AZ 85364
• Flagstaff (hearing location ONLY)
  • AWD Building
    123 N San Francisco St
    Flagstaff, AZ 86001
• Bullhead City (hearing location ONLY)
  • Superior Court
    Courtroom R
    2225 Trane Road
    Bullhead City, AZ 86442

Bankruptcy Lawyers in Arizona

If you are seriously considering filing bankruptcy in Arizona, it is important that you understand your rights. Paperwork for bankruptcy is something that has to be filled out properly. When you hire an Arizona bankruptcy lawyer to help you during your bankruptcy, you receive experts who know what it takes to get your hearing right the first time.