AZ Medical Debt

Arizona Medical Debt Laws

Everything you need to know about medical debt in Arizona: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$2,459

Avg medical debt

25% of disposable earnings

Garnishment cap

How to Dispute Medical Debt in Arizona

Request itemized bill with CPT codes

Check for No Surprises Act violations

Apply for hospital financial assistance

Dispute errors line by line

Negotiate — hospitals accept 40-60% routinely

Arizona State Law

ARS § 32-1001 (Collection Agency Licensing)

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Arizona Consumer Protections

Collectors must be licensed in Arizona

Community property state — spouse debt implications

Medical Debt Tips for Arizona Residents

ALWAYS get an itemized bill before paying

Nonprofit hospitals must offer financial assistance

Medical debt has 365-day credit reporting grace period

Dispute Medical Debt in Arizona

DebtShield generates AI dispute letters that cite Arizona law (ARS § 32-1001 (Collection Agency Licensing)) and federal FDCPA protections.

Generate Arizona Medical Debt Dispute Letter