Arizona Chapter 12 Discharge is a form of bankruptcy available to individuals and businesses in the state of Arizona. It is a form of reorganization that allows debtors to reduce or eliminate their debts, while preventing creditors from collecting on them. This type of discharge is available to individuals and businesses who qualify, and it allows them to make payments to creditors over a specified period of time. There are two types of Arizona Chapter 12 Discharge: Chapter 12 Straight Bankruptcy Discharge and Chapter 12 Reorganization Discharge. The Chapter 12 Straight Bankruptcy Discharge eliminates all the debtor's eligible debts and does not require any repayment of them. The Chapter 12 Reorganization Discharge allows the debtor to make payments to creditors over a three to five-year period, while eliminating any remaining eligible debts after the repayment period is complete.