In Arizona, Chapter 7 bankruptcy is a liquidation plan that can potentially discharge most unsecured debts, giving you a clean slate. Chapter 13 bankruptcy involves a repayment plan agreed upon with creditors, typically over a period of 3-5 years. The choice between Chapter 7 and Chapter 13 depends on individual circumstances, including the type and amount of debt, income, and assets. Consulting with a bankruptcy attorney can help determine the most suitable option.