Specifically for Radius Global Solutions collecting phone & telecom debt in Chandler, AZ
Understand how the statute of limitations on debt works in every state and how to use it as a defense against collectors. This guide is tailored to residents of Chandler dealing with Radius Global Solutions, one of the most-complained-about debt collectors for phone & telecom debt accounts. In Arizona, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Arizona SOL on Phone & Telecom Debt
$500
Average Phone & Telecom Debt
25% of disposable earnings
Garnishment Limit
Radius Global Solutions has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Chandler resident dealing with Radius Global Solutions.
The statute of limitations is the legal deadline for a creditor or collector to file a lawsuit to collect a debt. After this period, the debt is 'time-barred' — they can still contact you, but they cannot win in court if you raise the SOL defense.
SOL periods vary by state and debt type: credit card debt ranges from 3 years (MD, NC, NH) to 10 years (RI, WV). Written contracts (personal loans) range from 3 to 15 years (KY). Your state's SOL is listed on the DebtShield state page.
The SOL typically starts on the date of first delinquency — the first missed payment that led to the default. It's NOT the date the account was charged off or sent to collections. Get the exact date from your credit report.
In most states, the SOL can be reset by: making any payment on the debt, making a written promise to pay, entering a new payment agreement, or in some states, even verbally acknowledging the debt. Never pay or acknowledge time-barred debt.
If you're sued on a time-barred debt, you MUST raise the SOL as an affirmative defense in your Answer. If you don't raise it, the court may award judgment anyway. File your Answer on time and explicitly plead the SOL defense.
These strategies are specific to phone & telecom debt — the type of debt Radius Global Solutions is collecting from Chandler residents.
ARS § 32-1001 (Collection Agency Licensing) governs debt collection in Arizona. File complaints with: AG Consumer Protection.
In Arizona, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Disability. Radius Global Solutions must first obtain a court judgment before any garnishment can begin.
The statute of limitations for phone & telecom debt in Arizona is 6 years. After this period expires, Radius Global Solutions cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by Radius Global Solutions include: TCPA violations through auto-dialed calls to cell phones; Reporting disputed debts without investigation; Continuing calls after cease-and-desist. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute phone & telecom debt with Radius Global Solutions: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: file fcc complaint for billing disputes.
Skip the paperwork. DebtShield generates legally precise dispute letters, cease-and-desist demands, and validation requests tailored to Chandler laws and Radius Global Solutions's known tactics. Starting at $9.99/month.