When a debt buyer files a lawsuit against you, they pray for a court order for you to pay an old debt. Debt buyers are companies that buy charged-off consumer debt from original creditors. They buy these for almost nothing and then sue debtors to get the money back. However, a lawsuit is not an […]
Common Defenses in Debt Buyer Lawsuits in Arizona Read More »
Even if you’re doing everything you can, handling debt collection calls can be stressful. In Arizona, you have some rights on how (and when) a third-party debt collector can contact you, what they can say, and what you can demand in writing. When this happens, do not try to win a dispute over the phone.
Handling Debt Collection Calls in Arizona: Do’s and Don’ts Read More »
The Fair Debt Collection Practices Act (FDCPA) protects debtors from harassment and misleading statements from creditors. Knowing your rights against a debt collector will help you avoid unfair and abusive treatment. Debt Collection Laws When a collector chases you in Arizona, you’re protected by: Federal law – mainly the Fair Debt Collection Practices Act (FDCPA),
What Are My Rights Against a Debt Collector in Arizona? Read More »
Imagine getting an intimidating call from an unknown number, demanding payment for an old credit card or medical bill. If that call includes threats to sue or a form of harassment, then you have the right to question the process of collection. Debt validation is your legal right under the Fair Debt Collection Practices Act
Debt Validation in Arizona Read More »
When financing a car, the lender technically “owns” part of it until you finish paying off your loan. When payments fall behind, the lender can legally take the car back. This is called repossession. In Arizona, you may receive a car repossession notice, so you will know how to handle things after your car is
Car Repossession Notice: What is Required in Arizona? Read More »
If you have ever financed a car in Arizona, you probably remember signing a long list of terms and conditions. Somewhere in there was a clause about what happens if you miss payments. That clause gives your lender certain legal rights, including the right to take the car back if you default on your loan.
Motor Vehicle Repossession in Arizona Read More »
Will you go to jail if you don’t pay your debts in Arizona? No. Under U.S. law (including Arizona), you generally cannot be jailed simply for not paying private debts such as credit cards, medical bills, or personal loans. Debt and jail are no longer correlated since the abolishment of debtors’ prisons in the 1800s.
Debt and Jail Risk: Will I Go to Jail If I Don’t Pay My Debts in Arizona? Read More »
Worried about being sued for a debt that you cannot pay just yet? Fret not, because as stressful as it may seem, the law still has protections in place. Arizona, like other states, has laws that protect certain property and income from creditors. These protections are called exemptions. The idea is simple: even if you
What Does “Judgment Proof” Mean in Arizona? Read More »
If bills are piling up and you’re losing sleep, you’re not alone. Many people face financial struggles, but there is no reason to feel powerless in your situation. If you live in Arizona, there are options for debt relief that you can explore. When you cannot pay your debts at the moment, here are a
Options for Debt Relief in Arizona: What to Do If You Can’t Pay Your Debts Read More »
Do you know that a creditor can legally collect a debt by requiring your employer to withhold a portion of your earnings and send it directly to them? Fortunately, if you are working in Arizona, you can challenge a wage garnishment if you believe there is something wrong with the process. There are legal steps
How to Object to a Wage Garnishment in Arizona Read More »
