Do you need a fresh start? Take your first step towards financial freedom.

AWD LAW® is Flagstaff’s bankruptcy law firm. Our bankruptcy attorneys handle Chapter 7 bankruptcy cases across Northern Arizona.

AWD LAW® is here to help Arizona residents protect both their assets and their future.

When debt piles up, making ends meet can become very difficult, and even impossible. In such situations, you might consider looking into filing for bankruptcy. Filing bankruptcy can help reduce your debt, stop harassing collection calls, stop wage garnishment, and might prevent vehicle and other asset seizure. It allows an individual to discharge certain debts and, in a sense, start fresh.

AWD LAW® specializes in Chapter 7 Bankruptcy. This type of bankruptcy can provide debt relief for individuals and for married couples in as little as four months.

There are very strict rules for who qualifies for Chapter 7 Bankruptcy, based upon income and property that you own. Arizona provides for numerous personal and real property exemptions, property that individuals and married couples may retain through bankruptcy. In most cases, you will not lose your home, a primary vehicle, or personal property. The attorneys at AWD LAW® are very knowledgeable about the rules for exempt property and the requirements for Chapter 7 Bankruptcy and will be able to determine very quickly if you qualify for Chapter 7 Bankruptcy.

While there are benefits to discharging your debt in bankruptcy, there are various important factors to weigh before making your decision to file. One of these factors to consider is that bankruptcy has a very negative impact on your credit rating. While many individuals and married couples who have filed for bankruptcy are able to rebuild their credit after bankruptcy, you will need to count on living without credit for a period after filing for bankruptcy.

AWD LAW® will help you assess all of your options and determine your eligibility for a Chapter 7 Bankruptcy. If you decide that filing for Chapter 7 Bankruptcy is the best choice, we are here to assist you through the entire process. Schedule a consultation to discuss your legal needs today.

Our Approach

AWD LAW® offers you the resources of a big firm and the responsiveness of a solo practitioner. We will work closely with you through all aspects of your case. You will receive the personalized attention that you deserve during this significant event in your life. Kathryn Mahady has run the bankruptcy department of AWD LAW® since 2012 and is very experienced, responsive, and thoughtful in her approach to bankruptcy cases. Ms. Mahady has handled hundreds of bankruptcy cases, from simple to complex, and will be dedicated to assisting you through the process.

Case Results

Between 2012 and 2016, Kathryn Mahady has helped over 180 clients reduce over a million dollars in debt. Other outcomes of filing Chapter 7 bankruptcy may include:

  • Reduce your debt
  • Stop harassing collection calls
  • Stop a wage garnishment

We are Northern Arizona’s bankruptcy lawyers, if you need a fresh start, free of most unsecured debt, contact an AWD LAW®bankruptcy lawyer today and schedule a consultation to determine whether filing for Chapter 7 Bankruptcy is right for you.


Attorney Kate Mahady provides consultations for those interested in filing for a Chapter 7 bankruptcy. 

Contact us today to discuss your options!

(800) 774-1478 or (928) 774-1478

Take control of your debt today!

Chapter 7 bankruptcy is also known as “liquidation” or a “fresh start”. Let us help you determine if filing is right for you.

Chapter 7 Bankruptcy

Frequently Asked Questions

  • How do I know if I qualify for a Chapter 7 Bankruptcy?

    If you are a single person, you must make less than $44, 459 per year. A married couple with no dependents must make less than $55,116 per year.

  • What is a discharge? Will all my debts get discharged?

    If a debt is discharged, you are no longer obligated to repay it. Some debts are not discharged in bankruptcy. These include, but are not limited to, past due child support, student loans and certain taxes.

    We are Northern Arizona’s bankruptcy lawyers, if you need to speak with an AWD LAW® Bankruptcy Lawyer, contact us today at (928) 774-1478!

  • Do I have to be current on my payments to keep my car/house?

    Yes. You must continue to pay the loan if you want to keep the collateral for the loan.

  • My creditors keep calling. Am I required to respond?

    When you file for bankruptcy, your creditors must immediately stop contacting you and stop all efforts to collect your debts.

    We are Northern Arizona’s bankruptcy lawyers, if you need to speak with an AWD LAW® Bankruptcy Lawyer, contact us today at (928) 774-1478!

  • How long does the process take?

    Generally, Chapter 7 discharges are obtained in a matter of months.

  • Why do I have to pay all of the fees before you start working on my case?

    We will start working on your case the day you retain us. We simply can’t do the actual filing of the case until the fees are paid in full. The bankruptcy court needs to ensure that you come out of your bankruptcy debt free, so they will not allow us to represent you in your bankruptcy while we are considered a creditor in your case.

    We are Northern Arizona’s bankruptcy lawyers, if you need to speak with an AWD LAW® Bankruptcy Lawyer, contact us today at (928) 774-1478!

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