Phoenix, AZ Chapter 7 Bankruptcy Lawyer
Get Chapter 7 bankruptcy services in Phoenix, AZ and the Greater Valley Area.
Are You in Need of a Phoenix Chapter 7 Lawyer?
When overwhelming debt is making it impossible to move forward, Chapter 7 bankruptcy may offer the clean break you need. At Hilltop Law Firm, we help people throughout Phoenix discharge unsecured debts and reset their financial lives through Chapter 7 bankruptcy. Whether you're drowning in credit card debt, facing constant creditor harassment, or at risk of wage garnishment, we can help you take back control.
Chapter 7 bankruptcy may be right for you if:
- You are unable to pay your bills or make only minimum payments each month
- You’re being harassed by creditors or facing lawsuits
- Your wages are being garnished
- You have mostly unsecured debt like credit cards, medical bills, or payday loans
- You don’t have significant non-exempt assets you would lose in liquidation
Unlike Chapter 13 bankruptcy, which involves a repayment plan, Chapter 7 offers full discharge of qualifying debts in a matter of months. If you're unsure whether you qualify or if it's the best option for you, a free consultation with our attorney can give you the answers you need to move forward.
Testimonial
I am so grateful and thankful that I chose Hilltop Law firm for my chapter 7 Bankruptcy. Cy and his team guided me through each and every step of the process with prompt communication. I now have a huge weight off my shoulders that I had been struggling with for years...”
- Steve G.
Why Choose Us Over Other Chapter 7 Attorneys in Phoenix?
Filing for bankruptcy can feel intimidating, but it doesn’t have to be. With nearly a decade of legal experience and a background in banking, Phoenix bankruptcy lawyer Cy T. Hainey, Esq., MBA leads our firm with both technical knowledge and real-world financial understanding. We focus exclusively on personal bankruptcy and debt relief, and we walk every client through the process with honesty, compassion, and clarity.
Here why so many people have come to trust our firm:
- Nearly a decade of bankruptcy legal experience – providing steady, informed guidance through financial challenges.
- Background in banking for stronger financial strategy – helping craft smart, realistic solutions based on real-world finance.
- Free consultations with no pressure to commit – so you can get answers without stress or obligation.
- Multilingual service in English, Spanish, and French – making it easier to communicate and feel understood.
- Exclusively focused on personal bankruptcy, debt relief, and debt defense – with a clear focus on helping individuals, not businesses.
- Known for being honest, responsive, and understanding – with a reputation for treating every client with respect.
- Founded in 2018, with a strong reputation across the Valley – and trusted by clients throughout Maricopa County.
- Free Zoom consultations available – for convenient, accessible legal help wherever you are.
Ready for a Fresh Start?
Chapter 7 bankruptcy could help you move forward. Call (602) 466-9631 for a free consultation today.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is often called liquidation bankruptcy because it allows individuals to eliminate most unsecured debts without a repayment plan. In many cases, you are able to keep all or most of your property thanks to Arizona's exemption laws.
To qualify, you must:
- Pass the means test, which compares your income to the Arizona median for your household size
- Complete a credit counseling course from an approved provider
Once filed, your case typically resolves within 3 to 6 months, resulting in the discharge of eligible debts and a fresh start.
Chapter 7 is often the best option for people who have high unsecured debt, low income, and few assets they would lose in the process. It wipes the slate clean so you can begin rebuilding your credit and financial stability.
What Is an Automatic Stay?
As soon as you file for Chapter 7 bankruptcy, the court issues an automatic stay. This is a powerful legal protection that immediately stops most creditors from continuing collection efforts.
This puts an immediate stop to:
- Evictions (in certain cases)
- Foreclosures
- Wage garnishments
- Utility disconnections
- Lawsuits and collection calls
The automatic stay gives you breathing room while your case moves through the bankruptcy process. It prevents creditors from taking further action, giving you time to work with your attorney and prepare for a fresh financial start.
How Chapter 7 Works
The Chapter 7 process is relatively straightforward with the help of an attorney:
- Credit Counseling: You must complete a court-approved credit counseling course within 180 days before filing.
- Filing the Petition: We prepare and file your bankruptcy petition with detailed information about your income, expenses, debts, and assets.
- Automatic Stay Begins: This halts creditor actions immediately.
- Appointment of Trustee: A bankruptcy trustee is assigned to review your case and manage any non-exempt assets (if applicable).
- 341 Meeting: You attend a short meeting with the trustee to confirm your financial details. Creditors may attend but rarely do.
- Financial Management Course: You must complete a second financial education course before your debts can be discharged.
- Debt Discharge: Typically, after 3 to 6 months, your qualifying debts are discharged, and you no longer owe them.
Most clients do not lose property and never appear in court. With the right guidance, the process is manageable and can be life-changing.
Bills That Can Be Discharged
Chapter 7 bankruptcy can discharge many types of unsecured debt, including:
- Credit card debt
- Unpaid medical bills
- Personal loan debt
- Some types of income taxes (depending on the age and status of the return)
- Payday loans
- Unpaid utility bills
- Old lease or rental debt
Reasons to See a Lawyer Right Away
If you're considering bankruptcy, early legal guidance can make a major difference. Here’s why you shouldn’t wait:
- Creditors may be preparing lawsuits or wage garnishments. Acting early can stop them before they have a chance to initiate.
- You may be eligible for immediate protection through the automatic stay.
- Certain property transfers or financial moves can cause issues if done before filing. A lawyer can help you avoid costly mistakes.
- Bankruptcy exemptions are time-sensitive, especially if you recently moved to Arizona or are planning a move.
- Peace of mind begins the moment you get informed advice about your options.
Waiting too long could limit your options or lead to missed deadlines. A free consultation with Hilltop Law Firm can help you make an informed decision about how to handle your debt.
The Property You’re Allowed to Keep
Under Arizona law, you’re permitted to hold on to property that is legally exempt from creditors. This includes:
- Pensions
- Social Security benefits
- Unemployment compensation
- Veteran’s benefits
- Public assistance
- Up to $452,200 in home equity
- Up to $5,400 in one bank account
- Up to $16,000 in car equity
- Up to $16,000 in household goods
- Up to $5,000 in tools needed for your work
The exemptions for automobile equity, household goods, bank account, and tools needed for your work are doubled when you file as a married couple.
You may also choose to keep secured debts such as your car, home, and furniture by reaffirming those debts.
You Deserve a Clean Slate
Let us guide you through the Chapter 7 process. Call (602) 466-9631 to learn more today.
How an Attorney Can Help
Bankruptcy law is complicated, and one misstep could delay or derail your case. At Hilltop Law Firm, we handle every part of the process to ensure accuracy, efficiency, and peace of mind:
- Determine if you qualify for Chapter 7 under the means test
- Advise you on asset protection and Arizona exemption laws
- Prepare and file all court-required documents
- Communicate with the bankruptcy trustee on your behalf
- Handle creditor challenges or objections if they arise
- Guide you through the full process, including financial education and post-bankruptcy planning
With our experience and dedication, we make sure you know exactly what to expect, what to do, and what comes next. Our goal is not only to help you eliminate your debt, but to empower you with tools to rebuild.
Debts That Are Not Discharged Through Chapter 7 Bankruptcy
There are certain debts that you won’t be able to eliminate. Federal laws shield the following financial commitments from dismissal in a Chapter 7 bankruptcy:
- Alimony
- Child support
- Student loans
- Recent taxes
- Legal fines and penalties
Speak With an Experienced Phoenix Chapter 7 Bankruptcy Lawyer Today
If you're ready for a real solution to your debt problem, Chapter 7 bankruptcy could be the right path forward. Hilltop Law Firm offers honest guidance and personalized support to help you eliminate qualifying debts and start fresh.
Call us today at (602) 466-9631 to schedule your free consultation. Zoom appointments are available.
Frequently Asked Questions
What is Chapter 7 bankruptcy?
Chapter 7 is a legal process that allows individuals to eliminate most unsecured debts, such as credit cards and medical bills, without the need for a repayment plan. It provides a fresh financial start, usually within three to six months.
Who qualifies for Chapter 7 bankruptcy?
To qualify, you must pass the means test, which compares your income to the median income for your household size in Arizona. If your income is too high, you may still qualify based on your expenses or may need to consider Chapter 13 instead.
Will I lose my property if I file for Chapter 7?
You may be able to keep all or most of your property thanks to Arizona's bankruptcy exemptions. These exemptions protect certain assets like your home, vehicle, household goods, and retirement accounts, up to specific limits.
What debts can be discharged in Chapter 7?
Chapter 7 can wipe out unsecured debts such as credit card balances, unpaid medical bills, personal loans, payday loans, and some older income tax debt. It does not discharge child support, alimony, most student loans, or recent tax obligations.
How long does Chapter 7 bankruptcy take?
Most Chapter 7 cases are completed in three to six months from the filing date. The timeline depends on the court’s schedule and how quickly you complete the required steps like credit counseling and financial management courses.
Do I have to go to court?
You are required to attend one meeting with the bankruptcy trustee, called the 341 meeting or meeting of creditors. This is not a court appearance, and creditors rarely attend. Most Chapter 7 filers never appear before a judge.
How will Chapter 7 affect my credit?
Filing for Chapter 7 will remain on your credit report for up to 10 years. But many people start rebuilding credit soon after discharge and find that eliminating debt improves their financial standing over time.
Can I keep my house or car?
If you’re current on your payments and the equity is within Arizona’s exemption limits, you can usually keep your home or car. If you’re behind, Chapter 7 may not stop foreclosure or repossession permanently, and you should speak with a lawyer about your options.
Why should I hire a Chapter 7 bankruptcy lawyer?
A bankruptcy lawyer ensures your paperwork is accurate, deadlines are met, and your rights are protected. They can help you keep more of your property, avoid costly mistakes, and guide you through the process with confidence and clarity.
Meet Cy and Samantha Hainey
Cy T. Hainey
Cy T. Hainey is the founder of Hilltop Law Firm, where he dedicates his practice to helping individuals across Arizona overcome financial distress through Chapter 7 and Chapter 13 bankruptcy. With nearly a decade of legal experience and a background in banking, Cy brings both legal precision and financial insight to every case. His focus is clear: to lift the burden of debt from his clients’ shoulders and guide them toward a stronger, more stable future.
Cy is known for his honest, responsive, and personalized approach. He takes the time to understand each client’s situation, explain their options clearly, and develop legal strategies tailored to their goals. His background in banking allows him to analyze complex financial issues with a depth that sets him apart from other bankruptcy attorneys.
Cy earned his J.D. from Phoenix School of Law in 2013 and holds an M.B.A. from the University of Montana, where he graduated cum laude. He completed international studies in Mexico, France, and Spain and earned his B.A. in International Business from Fort Lewis College, graduating magna cum laude. He is fluent in English, Spanish, and French.
Samantha Hainey
Samantha Hainey serves as the President of Client Services & Operations at Hilltop Law Firm, where she oversees client experience, internal operations, and day-to-day workflow. With more than 22 years of experience in customer service, account management, operations, and leadership, Samantha plays a critical role in ensuring clients feel supported, informed, and respected throughout their legal journey.
Before joining Hilltop Law Firm in 2021, Samantha built a successful career in the global mobility industry, most recently serving as Vice President of Client Services. In that role, she managed multiple global client accounts and led an office of more than 30 professionals. Her background provides her with a strong operational foundation and a client-centered mindset, allowing her to streamline processes while maintaining clear, empathetic communication.
Samantha holds a Bachelor’s Degree in German and International Relations from Simpson College and is fluent in German. She has earned multiple professional certifications, including Certified Relocation Professional (CRP), Global Mobility Specialist (GMS), and Talent Mobility Certification. At Hilltop Law Firm, Samantha works closely with the attorney to ensure each client receives attentive service and clear guidance during financially challenging times.
Additional Information
- What Happens to Your Car in a Chapter 7 Bankruptcy in Phoenix?
- Can You Keep Your House in a Chapter 7 Bankruptcy in Phoenix?
- Bankruptcy Warning Signs According to Bankruptcy Attorneys
- What Is the Chapter 7 “Means Test,” and How Does It Work?
- Here’s A Few Things You Can Expect at the Chapter 7 Meeting of Creditors