Arizona chapter 7 bankruptcy for the most part is the same as every other state. The area where it differs is if the Arizona resident chooses to take the Arizona exemptions instead of the federal exemptions on property. Every state has an alternative list of exempt items which may be claimed. In Arizona, these include Engagement and wedding rings, up to $1,000, Retirement funds, Tools and equipment used in a commercial activity and trade, business or profession, up to $2,500, and Motor vehicle, up to $5,000 or $10,000 if disabled. There are other items on this list as well. Anyone considering filing Arizona chapter 7 would do well to first contact a local bankruptcy attorney for advice. They will also have, or be able to get the forms needed to file bankruptcy. Chapter 7 is different from other types of bankruptcy because it is a "straight bankruptcy" and all non-exempt assets are sold to pay creditors. For the most part, this allows the debtor a fresh start. From the time Arizona chapter 7 bankruptcy is filed until it is discharged is normally about 3-5 months, but that is not carved in stone. Much of it depends on how much property there is to liquidate.