About Lowell Jensen
Lowell Jensen is a bankruptcy attorney at Lowell A Jensen PLC based in Willcox, 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: U of Arizona
Common questions about Bankruptcy in Arizona
Answered by Arizona Attorney Search Network
Will bankruptcy affect my credit forever?
No. A Chapter 7 bankruptcy generally appears on credit reports for 10 years from filing; Chapter 13 for 7 years from filing. However, the impact diminishes over time. Many filers begin rebuilding credit within 12-24 months through secured credit cards and on-time payment history. Credit scores often recover faster than the 7- or 10-year reporting period suggests.
Can I keep my car in bankruptcy?
In most cases, yes. Arizona's motor vehicle exemption under ARS § 33-1125 protects up to $15,000 of equity in one vehicle ($25,000 if the debtor is a person with disabilities). If the car loan is current and equity is within the cap, debtors typically keep the car by reaffirming the debt or, in Chapter 13, paying through the plan.
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.
Q&As answered by Lowell Jensen
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Office Location
Lowell A Jensen PLC
241 S HASKELL AVE
Willcox, AZ 85643
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