AWD LAW is Northern Arizona’s bankruptcy law firm. Our bankruptcy attorneys handle cases across Northern Arizona. We are here to help Arizona residents protect both their assets and their future.

AWD LAW focuses on Chapter 7 bankruptcies, which can provide debt relief for individuals and married couples in as little as four months.

‍There are strict rules for who qualifies for Chapter 7 bankruptcy, based upon your income and property 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 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.

‍If you do not qualify for Chapter 7 bankruptcy, Chapter 13 may be another option to discharge your debt. In a Chapter 13 bankruptcy, you must commit to making monthly payments on your debts for either three or five years through a Chapter 13 Plan.

‍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 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.

AWD LAW will help you assess all your options and determine the right path for you and your family. If you decide that filing for 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. Kate Mahady has run the AWD LAW bankruptcy department since 2012 and is experienced, responsive, and thoughtful in her approach. She has handled hundreds of bankruptcy cases, from simple to complex, and is dedicated to assisting you through the process.

Case Results

Since 2012, Kate Mahady has helped hundreds of clients reduce well over a million dollars in debt. By filing for bankruptcy you may:

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

We are Northern Arizona’s bankruptcy law firm. If you need a fresh start, contact us today and schedule a consultation to determine whether filing for Chapter 7 bankruptcy is right for you.

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.


Frequently Asked Questions

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.

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

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!

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!

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

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!

Our Locations

Sedona, Arizona

120 Soldiers Pass Rd
Sedona, AZ 86336

Ph: (928) 282-5955

Flagstaff, Arizona

123 N San Francisco St
Flagstaff, AZ 86001

Ph: (928) 774-1478

Contact Us!

Please do not provide confidential or sensitive information pertaining to a matter via this form. We are not able to treat that information as privileged or confidential without first entering into an attorney-client relationship. Use of this form does not constitute an attorney-client relationship.

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Please do not provide confidential or sensitive information pertaining to a matter via this form. We are not able to treat that information as privileged or confidential without first entering into an attorney-client relationship. Use of this form does not constitute an attorney-client relationship.