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DebtShield

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AZ Debt Laws

Arizona Debt Collection Laws

Know your rights in Arizona. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Arizona Collection Law

ARS § 32-1001 (Collection Agency Licensing)

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Arizona

Social Security
Workers' comp
Unemployment
Disability

Key Arizona Protections

Collectors must be licensed in Arizona
Community property state — spouse debt implications

Federal Laws (Apply in Arizona)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Arizona Debt Dispute Letter

DebtShield auto-cites Arizona laws + FDCPA