Everything you need to know about personal loan debt in Arizona: the statute of limitations is 6 years, garnishment is capped at 25% of disposable earnings, and 2 state-specific protections apply to your case.
6 years
Statute of limitations (written contracts)
$8,018
Avg. personal loan debt in US
25% of disposable earnings
Garnishment limit
In Arizona, personal loan debt falls under written contracts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under Arizona law.
Credit/Open
6 years
Written
6 years
Oral
3 years
These strategies combine federal FDCPA protections with Arizona-specific laws like the ARS § 32-1001 (Collection Agency Licensing).
In Arizona, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for personal loan debt in Arizona, garnishment is limited to: 25% of disposable earnings.
ARS § 32-1001 (Collection Agency Licensing)
File complaints: AG Consumer Protection
These Arizona-specific protections apply to your personal loan debt case:
All Arizona Debt Laws
SOL, garnishment, protections for all debt types
Personal Loan Debt Dispute Guide
Strategies, laws, and tips nationwide
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