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I Live in Arizona and Would Like to File Bankruptcy Myself. – Jodi

“Dear Lewis,

I foreclosed on my Condo. Paid $255k, and it auctioned off for 87k. Sad. I then lost my job which paid 68k per year. I’ve used up all my savings, all my 401k monies, have 3 months left on unemployment before I will have NO income to speak of except Food Stamps @ $200 per month. I currently have a fulltime job in exchange for housing taking care of this guys mansion. I can’t even pay the utilities I use. Sad, but he is great and isn’t complaining yet. I have 3 people threatening me, all in which have been sent to creditor’s who are badgering me for payment that I can’t give. $600 for At&t, $35 for COX, and the HOA from the Condo committee has a judgement to garnish my wages if and when I DO obtain employment.

I would like to file for bankruptcy without spending any money doing it. I am 53 years old, always and forever had over an 800 credit rating until my Mortgage meltdown occurred. I am capable of filing and filling out bankruptcy paperwork myself. Where can I go to get the paperwork I need that will stand up in an Arizona Court?


Dear Jodi,

Go to the Arizona Bankruptcy Court website and get the papers.

Though I strongly urge you to use an attorney.

Good luck!

My name is Lewis Roberts and I’m an attorney licensed in Florida and Georgia. My practice focus is consumer bankruptcy, real estate issues/closings, and mortgages. I also have Florida real estate broker and mortgage broker licenses. I am a proud member of the National Association of Consumer Bankruptcy Attorneys (NACBA), National Association of Consumer Attorneys (NACA), and a graduate of Max Gardner’s Bankruptcy Boot Camp. I enjoy helping people with decisions that impact their financial well-being.

Legal Disclaimer: This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.

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About the author

Lewis Roberts

Florida Consumer Protection Attorney

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