Frequently Asked Bankruptcy Questions

Question: How long will it take before I get a discharge of my Phoenix bankruptcy case?

Answer: Keep in mind, there is no guarantee of a discharge when you file your bankruptcy case in Phoenix. however, here are the average time for bankruptcy discharges in Phoenix:
Chapter 7 bankruptcy cases: The average discharge time is 5 to 6 months after filing.

Chapter 13 bankruptcy cases: Are set up by the bankruptcy court trustee to run for 36 to 60 months; Once all payments are made and provisions of the Chapter 13 plan have been fulfilled, the chapter 13 bankruptcy will be discharged.

Chapter 11 and Chapter 12 bankruptcy cases: Chapter 11 and 12 bankruptcies are on a case by case basis. Usually they are structured by the bankruptcy trustee to be shorter than Chapter 13 case, however, it will depend on the individual circumstances of the case.

Question: Do I have to go to court in order to file for bankruptcy?

Answer: Yes, the Arizona bankruptcy law requires that you attend a Section 341 (Meeting of Creditors). A 341 Hearing in Phoenix, Arizona is conducted by the bankruptcy trustee assigned to your case. If filing a bankruptcy in Maricopa County, your 341 hearing will be held at:
Phoenix Division U.S. Courthouse and Federal Building

230 N. First Ave, Suite 101
Phoenix, AZ 85003

602-682-4000 or 800-556-9230

Click for more information about Phoenix Bankruptcy Court.

At your Phoenix 341 Hearing, the Arizona bankruptcy trustee will ask you questions about your petition, assets, and liabilities. In most cases, this court appearance is the only one required, and you will not even see the judge assigned to your case. Your Phoenix bankruptcy lawyer, will attend your 341 Hearing with you to protect your interests. Our Phoenix bankruptcy lawyers will be there for you every step of the way throughout your bankruptcy filing.

Our Phoenix Bankruptcy Attorneys and Bankruptcy Lawyers in Phoenix will answer all of your questions regarding bankruptcy, debt relief, and discharge of your debts!

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    DISCLAIMER: The information you obtain at this Arizona Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Phoenix lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Arizona Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Thank you for visiting our Phoenix debt relief web site.

    Serving clients throughout Arizona, including the communities of: Anthem, Apache Junction, Avondale, Buckeye, Casa Grande, Cave Creek, Chandler, Dateland, Fennemore, Flagstaff, Fountain Hills, Gila Bend, Gilbert, Glendale, Holbrook, Kingman, Lake Havasu City, Marana, Mesa, Nogales, Peoria, Phoenix, Phoenix Metro, Queen Creek, Sacaton, Santan, Scottsdale, Seligman, South Santan, Sun City, Sun City West, Sun Lakes, Surprise, Sweetwater, Tempe, Waddell, Williams, Winslow, Youngtown, plus, areas in the vicinity of Luke Air Force Base, Phoenix Sky Harbor International Airport, Mesa Gateway Airport, and other communities in Maricopa County.