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Arizona Bankruptcy Exemptions

Is my 401(k) or IRA protected if I file bankruptcy in Arizona?

Free Consultation: (855) 603-3300

Yes. Under A.R.S. § 33-1126(B), qualified retirement plans — 401(k)s, 403(b)s, pensions — and IRAs are fully exempt in an Arizona bankruptcy with no dollar cap. For most filers, retirement savings are completely safe.

There are two narrow exceptions: amounts owed under a qualified domestic relations order (QDRO) in a divorce, and contributions you made within 120 days before filing bankruptcy. Large last-minute deposits into a retirement account can be pulled back into the bankruptcy estate.

If you are considering moving money into or out of a retirement account before filing, talk to an attorney first — the timing rules can turn protected money into unprotected money.

This page is general legal information, not legal advice, and does not create an attorney-client relationship. Exemption figures were verified against official sources in August 2026; inflation-adjusted amounts (including Arizona's Prop 209 figures and county median homestead values) are computed estimates that change annually and should be confirmed by an attorney for your petition date. Contact Majors Law Group, P.C. for advice about your specific situation.

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Majors Law Group

Washington

Mailing Address
P.O. Box 27548, Tempe, AZ 85285

Renton Satellite Office
707 S. Grady Way, Suite 600, Renton, WA 98057

Tacoma Satellite Office
1201 Pacific Avenue, 6th Floor, Tacoma, WA 98402

Spokane Satellite Office
601 W 1st Ave, Suite 1400, Spokane, WA 99201

Arizona

Mailing Address
P.O. Box 27548, Tempe, AZ 85285

Arizona Main Office
4450 S. Rural Rd. Suite A 140, Tempe, AZ 85282

Tucson Satellite Office
333 N. Wilmont Rd. Suite 340, Tucson, AZ 85711

Peoria Satellite Office
8249 W. Thunderbird Road, Suite 160, Peoria, AZ 85381

Hours & Contact

Monday - Friday 8:00am - 6:00pm

Saturday By Appointment Only

All of our offices and locations are by appointment only — no walk-ins. All information and documents must be submitted online.

(855) 603-3300

Privacy Policy|Accessibility Statement

We Are a 100% Electronic Law Office

Because the courts and trustees require everything to be submitted electronically, Majors Law Group operates fully electronically. Currently, nearly all bankruptcy trustees require submission of documents electronically. If you are not able to provide documents electronically, contact us to see what options are available. Clients are required to provide their information and documents electronically — we do not accept physical documents and will not make copies for you. Our platform uses iSoftpull for pulling credit, and will use Plaid to pull credit reports and financial information, to make gathering your information simple and secure. Clients engaging Majors Law Group must agree to the use of electronic documents.

All of our offices and locations are by appointment only, based on firm availability — no walk-ins. All information and documents must be submitted online through our secure client portal.

Majors Law Group, P.C. accepts cases in Arizona and Washington only. Any reference to licensure in another state describes an individual attorney's bar admission and does not mean the firm accepts cases there.

The information on this website is for general informational purposes only and should not be taken as legal advice for any individual case or situation. Viewing or receiving this information does not create an attorney-client relationship. Majors Law Group is a debt relief agency assisting individuals in filing for bankruptcy under the U.S. Bankruptcy Code. While we are committed to providing strong legal representation, Majors Law Group does not guarantee results, nor does it imply or indicate that we win all cases. Each case is unique, and outcomes depend on various factors.

Personal Injury Cases: Results are not guaranteed. Any reference to millions recovered for past clients reflects the collective work of our associates over their entire careers and does not imply a guaranteed outcome in any specific case.

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Technology & AI Disclosure: Majors Law Group, P.C. uses artificial-intelligence (.ai) tools, including AI-assisted intake software and Betty, our virtual intake assistant, to help gather information, organize documents and keep clients informed. These tools do not provide legal advice, are not attorneys, and are not a substitute for an attorney. All legal advice, case evaluations, recommendations and decisions are made exclusively by a licensed attorney at Majors Law Group, who reviews your file and remains responsible for your case. Use of our AI tools does not create an attorney-client relationship.

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