Debts Chapter 7 often discharges
- Credit card balances
- Medical bills
- Personal loans
- Payday loans
- Past-due utility bills
Am I eligible?
Eligibility typically depends on a means test comparing your income to Arizona medians for your household size, along with other factors. We walk through the numbers with you before you decide to file.
What about my property?
Arizona exemptions can protect clothing, household goods, a vehicle, and home equity up to certain amounts. Most Chapter 7 filers keep what they own. We review your assets carefully so there are no surprises.
When Chapter 13 may be better
If you need to catch up on a mortgage or car loan, or if you do not qualify for Chapter 7, Chapter 13 repayment may be the right tool. We compare both paths against your goals.