If you are wondering whether utility bills can be included in Chapter 7 bankruptcy, the short answer in Arizona is yes. Past-due balances on your electric, gas, water, phone, and internet bills are generally treated as unsecured debts, which means they are dischargeable when your case closes. 

There are a few important conditions, though, including a 20-day deposit rule and a narrow fraud exception that can pull a utility debt back out of your discharge.

When you file for Chapter 7 bankruptcy in Arizona, this kind of liquidation bankruptcy will stop bill collectors and creditor lawsuits through its automatic stay…

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