About Daniel Taylor
Daniel Taylor is a bankruptcy attorney at Maverick Law, PLLC based in Arizona, Arizona. Bankruptcy practice in Arizona involves federal law (Title 11 of the U.S. Code) administered by the U.S. Bankruptcy Court for the District of Arizona, with state-law overlays including Arizona's homestead exemption under ARS § 33-1101 and the various property exemptions in ARS Title 33, Chapter 8. See contact details below.
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Education
- Law School: Arizona Summit Law School
Common questions about Bankruptcy in Arizona
Answered by Arizona Attorney Search Network
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 (Title 11 USC, Chapter 7) is liquidation: a trustee may sell non-exempt assets and distribute proceeds to creditors, while most unsecured debts are discharged in 3-6 months. Chapter 13 is reorganization: the debtor proposes a 3-5 year plan to repay creditors a portion of debts based on disposable income, retaining property the plan addresses. Chapter 7 has stricter eligibility through the means test.
Can I file bankruptcy without a lawyer?
Pro se filing is permitted but strongly discouraged. The Bankruptcy Code is technical, the U.S. Bankruptcy Court for the District of Arizona's local rules add procedural detail, and errors (missing schedules, incorrect exemption claims, failure to attend the 341 meeting) can result in case dismissal without discharge. Most consumer Chapter 7 cases run $1,500-3,500 in attorney fees and the value of professional handling is high.
Will I lose my house if I file for bankruptcy in Arizona?
Probably not. Arizona's homestead exemption under ARS § 33-1101 protects up to $400,000 of equity in a primary residence (increased from $250,000 in 2022 by Proposition 209). If your equity is below the cap and you stay current on the mortgage, you generally keep the home in Chapter 7. Chapter 13 can also be used to cure mortgage arrears over the plan period.