Arizona
This page is being prepared. Arizona-specific information on debt-collection lawsuits, wage garnishment, bank-account restraints, exemptions, and statutes of limitation will be added here after attorney review. In the meantime, use the general courses and calculators, or request a consultation.
State laws and court rules change. The information below is general and was last reviewed on the date shown. Verify any deadline or rule with the official source cited, or consult an attorney licensed in Arizona.
Debt-Collection Lawsuit Basics
TO BE POPULATED. Add: Arizona Justice Court vs. Superior Court based on claim amount, the answer deadline (generally 20 days after service), and default-judgment consequences.
Sources
- Add Ariz. R. Civ. P. citation
- Add Arizona courts self-help resource URL
Wage Garnishment
TO BE POPULATED. Add: Arizona's garnishment limits (generally the lesser of 25% of disposable earnings or 30x federal minimum wage), the exemption-claim process, and debts with different rules.
Sources
- Add Ariz. Rev. Stat. garnishment citation
- Add 15 U.S.C. § 1673 (CCPA)
Bank-Account Restraints and Exempt Funds
TO BE POPULATED. Add: how a creditor garnishes an Arizona bank account after judgment, which funds are exempt (Social Security, SSDI, VA, and Arizona-specific exemptions), and the process and deadlines to claim exemptions.
Sources
- Add Ariz. Rev. Stat. exemption citation
- Add 31 C.F.R. § 212 (exempt benefits)
Statutes of Limitation
TO BE POPULATED. Add: Arizona's limitation period for written contracts and credit-card debt (generally 6 years under Ariz. Rev. Stat. § 12-548), what restarts the clock, and how to raise the defense if sued on a time-barred debt.
Sources
- Add Ariz. Rev. Stat. § 12-548 citation
Need help in Arizona?
A consultation can help you understand how these rules apply to your situation.
Request a ConsultationGeneral educational information. This is not legal advice and does not create an attorney-client relationship.
Attorney Amy Ginsburg is responsible for the content of this communication.
Information is general in nature and may not apply to your specific situation. Laws vary by state and change over time. Nothing on this platform should be used as a substitute for the advice of a competent attorney licensed in your jurisdiction.