Author name: Marianne

Car Repossession: Should I Hire a Lawyer If My Arizona Car Lender Sues Me Afterward?

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A car repossession is stressful enough. Thus, when the car lender sues you for more money afterward, it all boils down to panic and confusion. After all, they already took the car. Though it may seem like you no longer owe anything, you may unfortunately, still do. In Arizona, this is called deficiency balance. This […]

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Debt Management Plans in Arizona: Pros and Cons

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When you are behind on credit cards, medical bills, or other unsecured debt, it can feel like every paycheck is already spent before it hits your account. In this situation, debt management plans (also called DMP) may provide viable solutions for managing your finances.  Overview of Debt Management Plans Debt management plans make repayments more

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Creditor Lawsuits: What to Expect When You’re Sued by a Debt Collector in Arizona

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Creditor lawsuits can feel unsettling and overwhelming. Creditor litigation, however, follows a structured legal process. Understanding how this works can significantly affect the outcome of your case. It is important to learn the legal standards and practical implications to set the right expectations and act on the demands and the case accordingly.  Summons and Complaint

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Time-Barred Debts in Arizona: When Creditors and Collectors Can’t Sue You Anymore

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In Arizona, the law imposes strict time limits on a creditor’s ability to file a lawsuit to recover unpaid debts. These limits, known as statute of limitations, provide consumers with legal protection, resulting in time-barred debts. Understanding when a debt becomes “time-barred” is a must, particularly if you are facing collection efforts involving older obligations.

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What Are My Rights Against a Debt Collector in Arizona?

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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),

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