Kathy Cruz

Kathy Cruz is an attorney who focuses on consumer bankruptcy and debt-related legal matters. She helps clients address financial pressure, creditor issues, repayment concerns, and bankruptcy options. Her work supports people who need clear guidance during stressful financial periods. She brings experience from defense and prosecution roles, giving her insight into court procedures, client concerns, and practical case preparation for individuals seeking debt relief and a more stable financial future.

Kathy earned her B.A., cum laude, in Political Science and Spanish from Bradley University. She later earned her J.D. from Northwestern School of Law. She also holds an M.A. in Forensic Science from Indiana University. Her education supports strong research, analysis, communication, and problem-solving skills. These abilities help her explain bankruptcy options, review financial records, prepare filings, and guide clients through difficult debt situations with clarity and care.

Kathy has served as a deputy public defender and deputy prosecuting attorney in Garland County. That background gives her courtroom experience and a balanced view of legal disputes. She is board-certified in Consumer Bankruptcy Law by the American Board of Certification. This certification reflects focused knowledge in bankruptcy practice. She assists clients with consumer bankruptcy matters and helps them understand the steps involved in seeking protection under bankruptcy law.

Kathy Cruz is active in bankruptcy, debtor-creditor, consumer advocacy, and bar organizations. Her memberships include groups focused on consumer bankruptcy, Chapter 13 matters, debtor-creditor issues, and legal advocacy. She is recognized as one of the few attorneys certified in consumer bankruptcy law nationwide. Her work reflects preparation, knowledge, and steady support for clients facing debt problems, creditor pressure, and financial uncertainty through bankruptcy cases and related legal concerns.

Law Office Affiliations

• Owner, Cruz Law Firm
• Member, Arkansas State Bar
• Member, Garland County Bar association
• Member, Arkansas Bar Association
• Member, Central Arkansas Debtor Creditor Bar
• Member, National Association of Consumer Bankruptcy Attorneys
• Member, American Bankruptcy Institute
• Member, National Association of Consumer Advocates
• Member, National Association of Chapter 13 Trustees
• Member, National Association of Bankruptcy Trustees
• Member, American Bar Association
• Member, Arkansas Women Lawyers Association

Licensed State

• Arkansas

Education

• Northwestern School of Law
  Juris Doctor (JD)
• Indiana University
  Master of Arts (MA)
• Bradley University
  Bachelor of Arts (BA)

Awards & Badges