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Arizona Bankruptcy Exemptions

What is Proposition 209 and how does it help Arizona debtors?

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Proposition 209, approved by Arizona voters in November 2022, dramatically expanded protections for Arizona debtors. It raised the homestead exemption to a $400,000 base (approximately $437,600 for 2026 after inflation adjustments), increased the household goods exemption to $15,000, the vehicle exemption to $15,000, and created a $5,000 bank account exemption.

It also transformed wage garnishment: creditors can now take only the lesser of 10% of disposable earnings or the amount above 60 times the highest applicable minimum wage — reducible to 5% for hardship. Previously, up to 25% could be garnished.

Prop 209 also added automatic annual inflation adjustments each January 1, so these protections grow over time. For anyone considering bankruptcy or facing collections in Arizona, these are the rules that determine what you keep.

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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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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