Sued for Debt in Arizona? We Can Help
Our attorneys negotiate with debt collectors in Arizona to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the Arizona court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Arizona
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 3 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Arizona
Wage garnishment is allowed — up to 25% of disposable earnings
Federal garnishment limits apply. Head of household exemptions may provide additional protection.
Court System in Arizona
Justice courts handle cases up to $10,000. Superior court handles larger civil cases.
Filing fees: $50-$350
Arizona Consumer Protection Law
Arizona Consumer Fraud Act
In addition to the federal FDCPA, Arizona has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Arizona Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Arizona clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in Arizona. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Arizona
How long do I have to respond to a debt lawsuit in Arizona?
You have 20 calendar days from service to file your Answer with the court.
What is the SOL for credit card debt in Arizona?
6 years for written contracts including credit cards. 3 years for oral contracts.
Can debt collectors garnish wages in Arizona?
Yes. Up to 25% of disposable earnings can be garnished. Arizona follows federal garnishment limits.
Where are debt lawsuits filed in Arizona?
Justice courts for smaller amounts, superior court for larger claims. The case must be filed in the county where you live.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Arizona Debt
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