Planning for Chapter 13 Bankruptcy in Arizona requires a clear understanding of both mandatory government fees and discretionary service costs. In 2025, individuals pursuing this legal action typically encounter an average total investment of $7,351.
Compared to the United States national average of $5,000, legal costs in Arizona are47% higher than the average.
The initial barrier to entry in the Arizona court system begins with the mandatory filing fees. For Chapter 13 Bankruptcy, these non-refundable charges range between $316 and $386 depending on the specific county and local surcharges.
Based on verified jurisdictional data
Avg. Attorney Rate
$280/hour
Estimated Total
Disclaimer: This is a rough estimate based on Arizona averages. Actual costs vary by county and specific circumstances.
Arizona State Law Overview
90 days in Arizona before filing
60 days from service to final decree (can be waived by agreement)
Arizona is a community property state with strict 50/50 division rules. The state also has a unique covenant marriage option, which requires premarital counseling and has stricter divorce requirements.
The costs provided are estimates based on historical data and local fee structures. Legal fees vary by complexity and attorney experience. This site does not provide legal advice, and no attorney-client relationship is formed by using this tool.
Prepare and file the petition with the local Arizona court.
Exchange of information and legal evidence between parties.
Mandatory or voluntary negotiation to reach an agreement.
Final court hearing and issuance of legal decree.
The cost of Chapter 13 Bankruptcy in Arizona can be significantly reduced by following these strategic steps:
Compare live 2025 jurisdictional rates from neighboring states.
Localized costs can vary by county and municipal jurisdiction. Browse Chapter 13 Bankruptcy data for major cities across Arizona:
Reviewed by Research Team
Last Verified: 2025