(520) 795-5600

Tucson’s Nicest Bankruptcy Law Firm™

Tucson’s Top Filing Bankruptcy Attorney from 2013 – present. He is also Tucson’s most 5 Star Reviewed Debt Attorney & has been featured on KOLD, FOX NEWS, PBS, and Tucson’s Daily Star for professional commentary. Even better, we now offer a $0.00 down attorney fee program.

Meet Attorney Homero Torralba

A Tucson Attorney with more than $15 Million recovered in Trial Verdicts.


Since 2013, we have been Tucson’s top filing bankruptcy firm. We have among the lowest flat fees and the most client reviews. We’ve been featured on every major Tucson News Network and have received numerous industry awards for excellent client services. Our business is simple – we have great clients that simply need debt options, help with credit concerns, and they simply want a fresh start. This is precisely us.

Tucson’s Number Top Filing Bankruptcy Attorney.  Since 2013 to present, no other local attorney has filed as many successful cases as Matt Foley, while being the top reviewed and referred debt attorney in Southern Arizona.  To date, Matt has successfully filed more than 10,000 . In addition,  we offer the lowest average fee with a payment plan.  Learn More About Matthew

A True Tucson Native.  Homero Torralba handles the firms personal injury cases and complex litigation and is actively involved in the Tucson community.  Few attorneys have the trial experience and reputation, and successful verdicts that accompany his practice. He has successfully tried and settled cases with awards exceeding $25 million.   Learn More About Homero

Easier Than You Think. Simple 3-Step Process.

Visiting our site is part of Step One – simply trying to figure out your debt relief options. It starts with a free attorney consultation and ends with peace of mind.

Step 1: Meet With Attorney

All clients meet personally with Matthew Foley to review your scenario and discuss options.

Step 2: Prepare & File Case

If Bankruptcy is best option, our office prepares and files the case within a week or sooner.

Step 3: Financial Piece of Mind

Our clients can finally save money and get ahead with a fresh start. We love helping clients with this!

Are you also fascinated with bankruptcy cases, statutes, and topics? We are!


Visit our Tucson Bankruptcy Blog for the most updated, extensive, and accessible information from Tucson’s top-filing bankruptcy attorney. You’ll love it!

Filing Bankruptcy in Arizona with Checks Still Pending

    Pending transactions, such as checks and debits must be considered prior to filing the bankruptcy petition. This issue was addressed with In re Brubaker, 443 B.R. 176 (2011), when a debtor filed bankruptcy with a scheduled account...

An Inherited Retirement Account Can Be Exempted in an Arizona Bankruptcy

    Inherited retirement accounts are difficult to exempt and the analysis is complex. There is, however, an applicable exemption under Arizona Revised Statutes. Using federal exemptions, an inherited account is not exempt (See Clark v....

Selling a Home During an “Open Bankruptcy” and Protecting the Proceeds in Arizona

    Arizona has a friendly homestead exemption, which allows anyone over 18 years of age and who resides in Arizona, to protect up to $150,000 in equity (See A.R.S. §33-1101(A)(1)). If the homestead is sold, the resulting proceeds are...

Arizona Supreme Court provides clarification on Statute of Limitations on a Collection Lawsuit

Arizona statutes allow a debt collector six years to file suit on an outstanding debt (See A.R.S. Section 12-548(A)(2)). The question at issue is when does the clock begin to run? This recent ruling by the Arizona Supreme Court holds that the six years begins to run with the first missed payment of the debt.

Undue Hardship Claims & The (Non-)Dischargeability of Student Loan Debt

Student Loan Disbursements Exempt from Bankruptcy Pursuant to 20 U.S.C. § 1095(d), student loans, grants, and work awards cannot be taken, via garnishment, attachment, or otherwise, by creditors to satisfy any debts owed by the student. While some...

Creditor Behavior found Objectively Coercive: Refusal to Release Title or Pickup Vehicle

    In Pratt v. GMAC, 462 F. 3d 14  (1st Cir., 2006), debtors intended to surrender their vehicle by ceding possession rather than reaffirming the debt. The creditor wrote off the balance because the value of the vehicle was less than the...

$20,000 Death Benefit Exemption, Trustee’s Rights to CSV of Life Insurance Policy and Inability to Designate a Beneficiary

Debtors are entitled to exempt all money from death benefits, not to exceed $20,000. The bankruptcy trustee may not sell a portion of the policy to a third party, thereby designating a new beneficiary.

Truth In Lending Act – Understanding Your Consumer Rights

TILA requires lenders to fully disclose the terms of the credit being offered including full transparency concerning: (1) interest rates, (2) the amount/percentage required to satisfy the loan, (3) time limits, (4) penalties, and (5) loan ownership. TILA allows consumers to file suit against lenders that attempt to claim a term or condition on a loan that they never disclosed.

BAP Uses Hatton II Version of Beard Test to Determine Dischargeability of Untimely Filed Tax Returns

The BAP for the Ninth Circuit held that the proper determination of the dischargeability of tax debt related to untimely filed tax returns is not limited to a narrow, exclusively objective analysis of the form and content of the tax returns;...

Collecting on Contempt – Contempt Order for Violation of Stay is Sanctions order, not mere Money Judgement

    In the 2013 case of In re Wallace, the Bankruptcy Appellate Panel for the Ninth Circuit Court of Appeals held that a contempt order for violation of automatic stay entered by the Bankruptcy Court constituted a sanctions order to be...
Client Reviews


"An EXEMPLARY Attorney! Dedicated, Caring, Knowledgeable, Experienced. ABSOLUTELY THE BEST!"


Mr. Foley and his staff far exceeded my expectations! No words can adequately express my heartfelt appreciation for the exceptional support I received throughout what was surprisingly a very positive, stress-free, and smooth process. I highly, highly recommend Matthew T. Foley!



September 14, 2016

"Your Excellent Choice!"


Matt and his team rock !!!!!!!!
They took the stress and worries out of the whole process and made it smooth and stress free. He and his staff are caring, knowledgeable, very organized, honest and affordable. They responded quickly to any questions or concerns I had.

I would highly recommend Matt and his team to anyone who needs a bankruptcy...... Thank you so much

July 13, 2017

"Caught in a Bind”


I was in a real bind and not knowing the law, I contacted the best reviewed bankruptcy lawyer in town. After the consultation I left feeling better about my situation with a much better understanding of the law. The man knows his stuff and is very knowledgeable. I hired him and he did an amazing job. I literally did nothing but answer questions in an honest manor. The staff is a collection of incredible people, who are kind and very nice and understanding towards your situation. Thank you so so much for everything and would recommend the heck out of this gentlemen. Awesome experience.

March 6, 2017

"Truly Awesome"


Matt and his team rock!!! They took the stress and worries out of the whole process and made it smooth and stress free. He and his staff are caring, knowledgeable, very organized, honest and affordable. They responded quickly to any questions or concerns I had. I would highly recommend Matt and his team to anyone who needs a bankruptcy or debt settlement attorney.

October 21, 2016

"Brinda ayuda honesta"

Le agradezco a usted y a su equipo de professionales por el apoyo, la guia, comprension y toda la asistencia brindada al lo largo del proceso. Siempre estuvieron ahi para ayudarme, para responder mis preguntas. Gracias al buen trabajo que hicieron pude no unicamente liberarme de mis deudas pero tambien mejoro mi salud, mi bienestar y el de mi familia. No tengo con que pagarle todo lo que hizo por mi. Muchas gracias por todo. Dios lo bendiga a usted y a su equipo y continuen ayudando a nuestra comunidad hispana como hasta ahora... con honestidad y respecto.


August 11, 2017



Mr. Foley handled my chapter 7. After my first meeting with him I instantly felt better about the whole thing. I was stressed about my finances and felt guilty for even considering a bankruptcy. I felt like a total failure. Mr. Foley was able to help me see that it was the right business decision and was also able to help me by pointing me to resources for a redemption loan on my vehicle. If you are considering a bankruptcy attorney, I would recommend you consult with Mr. Foley.

Client #1
July 18, 2017

"Very helpful even though not client (yet)”


Matthew represented us at a Trustee meeting when our Phoenix attorney could not be present. He was knowledgeable and helpful. In addition, when my existing attorney became "disengaged", we contacted Matt and he spent a lot of time helping us understand some issues we were having. He was supportive, helpful, and gave excellent advice even though we were not his clients. I highly recommend him and he will be my first call for any future legal issues.

May 23, 2017

"A saving grace!"


I was literally days away from having my paychecks garnished. Not knowing what to do anymore, I decided to look for an attorney and researched all around Tucson. I came across reviews of Matt's firm on multiple sites and saw he was the highest rated and most reviewed. I decided to go in for my consultation and I couldn't hire him quick enough. Halee was awesome in helping me as well. I submitted all of my paperwork in less than 24 hours and 3 days later, I filed. I was so sick to my stomach in the stress of the debts I had. I was quickly relieved. Matt made me feel comfortable and told me just to relax. I think we are all scared of the unknown and what lies behind Bankruptcy. But I cannot speak highly enough of the positive experience I had with Matt and his team. Thank you so much, from the bottom of my heart. Finally, there is light at the end of the tunnel.



April 27, 2017

"Matt is fearless and unflappable...”


Finding Matthew Foley and his team was like finding cool, clear water in the desert. After wading through several overworked, confused huckster attorneys in the bankruptcy area; finding Matt was like finding an angel. He was not put off by complexities in our case and he was always a calming, soothing commander in the midst of a difficult situation. He was a great strategist and his professionalism was amazing. He was incredibly patient to explain and reassure us of the best course of action. I have been exposed to many attorneys in my life but none have ever impressed me the way Matt Foley has. Even his staff, Halee, Alysha and Austin maintain extraordinary standards of professionalism while always supporting Matt in his mission: to serve and reassure the fiscally challenged throngs that enter through Matt's door hoping for knowledge and assistance. I would give Matthew Foley the highest possible recommendation as the best Bankruptcy Attorney in Arizona. Five Stars are not enough to capture what he does for the people of Tucson, Arizona. I would also recommend him for any position that requires competence, calm professionalism and uncanny skills, knowledge and competency. Matt is fearless and unflappable. Thanks again, Matt!


December 12, 2016

"Excellent choice for bankruptcy"


Matt helped get us a chapter 7 bankruptcy in a quick and professional manner. He explained the process step by step and allowed us from feeling overwhelmed to relieved. He stopped the garnishments from continuing and I even got my garnishment checks back. if I ever needed more help in the future, I would go back to him and recommend him to anyone that needs help with debt.


May 25, 2017


Attorney Matthew Foley has been featured on every Tucson news media.

Meet With a Friendly Attorney

We are affordable, exceptionally knowledgeable, and nice! You’ll love our office.

Office Hours: 8 am – 5 pm Monday – Friday Yes, to evening and weekend appointments, but please call first to schedule. Location:   Easy, we’re on Broadway between Swan and Columbus.  We’re in the Bank of Tucson building, on the 8th floor. 4400 E. Broadway Blvd, Suite 811 Tucson, Arizona, 85711 Phone: (520) 795-5600    |    Fax: (888) 329-8606

Matthew Foley, as a Bankruptcy Attorney, provides counsel as a federally designated debt relief agency under the United States Federal Bankruptcy Laws. Matthew Foley, PLC assists individuals with debt solutions, including assisting them with filing petitions for relief under the United States Bankruptcy Code.
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