Page 1 of 2 United States Bankruptcy Court - District of Arizona 12 - bankruptcymortgageproject 2025

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It may take you a few weeks to gather all the documents you need for a bankruptcy, and you must give your attorney some time (usually at least a few days) to draft your petition. From the moment you file until your case is discharged should take about 3-5 months.
While bankruptcy is publicly recorded, typically only creditors or bankruptcy attorneys will actually view this information. You probably shouldnt worry too much about your friends, neighbors, or others in your social circles finding out.
If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and dont have the option of filing Chapter 7.
Per 11 USC 107(a), bankruptcy records are available for public viewing or copying unless access to a record, or record information, is prevented by federal law or court order. Under 11 USC 107 and 11 USC 112, the following information may not be disseminated to the public: Any information relating to minor children.
Article I, Section 8, of the United States Constitution authorizes Congress to enact uniform Laws on the subject of Bankruptcies. Under this grant of authority, Congress enacted the Bankruptcy Code in 1978.
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Arizona bankruptcy records and case information may be obtained through the following methods: The United States Bankruptcy Court, District of Arizona: To view or copy case information/records, interested parties may visit public access computers located in the Records Section of the clerks office.
In California, bankruptcy cases are available to any interested member of the public in line with the Freedom of Information Act (FOIA), which gives all citizens the right to access information present in government records.
Bankruptcy wipes out many bills, like credit card balances, overdue utility payments, medical bills, personal loans, and more. You can even get rid of a mortgage or car payment if youre willing to give up the house or car that secures the debt.

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