Mark Savage
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About Mark Savage
Mark Savage is a bankruptcy attorney in solo practice 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: U of Arizona
Common questions about Bankruptcy in Arizona
Answered by Arizona Attorney Search Network
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.
How long does Chapter 7 bankruptcy take in Arizona?
A typical Chapter 7 case in the U.S. Bankruptcy Court for the District of Arizona resolves in 3-6 months from filing to discharge. The 341 meeting of creditors occurs about 30-45 days after filing; the discharge order issues approximately 60 days after the 341 meeting. Cases with asset-recovery, complications, or creditor objections take longer.
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.