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Bankruptcy in Arizona: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Arizona. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $250,000.
  • Vehicle exemption: $6,000 ($12,000 if disabled).
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13) typical.
$250,000 Homestead exemption
$6,000 ($12,000 if disabled) Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Arizona Bankruptcy Exemptions

  • Homestead$250,000
  • Vehicle$6,000 ($12,000 if disabled)
  • Personal property$6,000 household furnishings, $2,000 clothing
  • WildcardNone
  • Federal exemptionsNot available

Means Test: Arizona Median Income

To qualify for Chapter 7 in Arizona, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$58,854
  • 2 people$70,389
  • 3 people$78,200
  • 4 people$90,461

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13)
  • Court districtsDistrict of Arizona

Arizona bankruptcy court

Related Resources

Frequently Asked Questions

  • What is the homestead exemption in Arizona?

    Arizona offers a generous homestead exemption of $250,000 for your primary residence, protecting substantial equity.

  • Can I keep my car in Arizona bankruptcy?

    Yes, Arizona provides a $6,000 vehicle exemption ($12,000 if you are disabled), which protects your equity in a vehicle.

  • Does Arizona use federal or state exemptions?

    Arizona requires debtors to use the state exemption system. Federal bankruptcy exemptions are not available.

  • How long do I have to live in Arizona to use its exemptions?

    You must have been domiciled in Arizona for at least 730 days (2 years) before filing to use Arizona exemptions.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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