How Often Can I File Bankruptcy in Arizona?

Have you ever asked yourself this question?  If so, You are not alone!  The current Arizona bankruptcy law allows you to file for Chapter 7 Bankruptcy protection in Arizona once every eight (8) years, up to three (3) different times in your life. There is no limit on how many times you can file a Chapter 13 bankruptcy in Arizona.  You can receive a discharge from Chapter 7 bankruptcy once every eight years and from Chapter 13 bankruptcy every two years.

The actual law reads:

Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago.

The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.


Declaring bankruptcy can help individuals and businesses get back on the right track. However, sometimes financial troubles appear again. If you are in this situation, it may help to know that you may be able to file for bankruptcy again even if you filed within the past eight years. If you have filed for bankruptcy protection in Arizona within the last eight years, there are still options!  You still may be eligible to file for another bankruptcy under another chapter of the bankruptcy law. An experienced bankruptcy attorney can help you learn more about your options for a second bankruptcy.

Our Arizona bankruptcy law firm understands how upsetting it can be when you continue to face financial difficulty, especially when your first bankruptcy filing didn’t provide the complete relief you needed. Our bankruptcy lawyers offer a free initial consultation, either in person or by phone, where you can get your bankruptcy questions answered without obligation. Please contact our law office today to schedule an appointment.

The bankruptcy lawyers in Tucson at The My AZ Lawyers can evaluate your financial situation and advise whether you are eligible to file bankruptcy under any chapter of the Bankruptcy Code. From our offices in Mesa, Glendale, Phoenix, and Tucson our experienced bankruptcy attorneys have helped thousands of clients throughout Arizona overcome financial hurdles. We are happy to meet with you to discuss your financial situation.  Our Arizona bankruptcy lawyers offer a free consultation and will answer all your questions regarding repeat bankruptcy filings.

If you have filed for Chapter 13 or Chapter 7 bankruptcy in Arizona in the past and find yourself in the position of needing additional relief from your debts, you should talk to an experienced Phoenix, Tucson, or Mesa bankruptcy lawyer who knows the bankruptcy law and can help you understand your options. Our bankruptcy lawyers and attorneys represent clients in all aspects of consumer bankruptcy matters.

If overwhelming debt is keeping you up at night or a constant worry, eliminate your debt and move on with your life. If you are struggling with crippling debt, you owe it to yourself and to your family to contact an experienced bankruptcy lawyer who can clearly explain your options. Don’t you deserve a “Fresh Start”?  For more information or to schedule an appointment, visit our Arizona bankruptcy law firm on-line at:  or call us at: Phoenix/Mesa — 480.833.8000 and Tucson — 520.306.8729.