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The Learning Center
Every guide here answers one real question, in plain language, and I review each one before it publishes. Browse by topic, or start with the question that brought you here at 11 p.m.
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What you can keep in an Arizona bankruptcy
Your home, car, paycheck, and retirement, with the current numbers.
UPDATED · SEPT 2026
Do I qualify? The Chapter 7 means test
The income test, with the current Arizona line.
EFFECTIVE · APRIL 2026
Stop a wage garnishment
What filing does, how fast it moves, what comes back.
The library
New guides publish here regularly, each one reviewed by me before it goes up.
Bankruptcy basics
Chapter 7 FAQs
The questions people actually ask: the house, the car, your job, your credit, the cost.
Chapter 13 FAQs
Cram-downs, co-signers, credit during the plan, what happens if you can’t finish.
Do I qualify? The Chapter 7 means test
The income test, with the current Arizona line.
EFFECTIVE · APRIL 2026
Your stuff, your situation
Arizona specifics
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