Arizona Creditors

Arizona law limits the amount that judgment creditors can garnish (take) from you paycheck. Arizona wage garnishment laws offer the same protection for your wages as does federal law. Creditors can only garnish nonexempt wages, and the amount they can take is limited.

The creditor must then wait for a specific period, such as 15 days after the mailing, before filing the wage garnishment. Depending on your state, the court may allow the creditor to file the garnishment after it obtains the judgment, without notifying you first.

The answer is no. You are not going to go to jail because you can't pay your debts.

In Arizona, your statute of limitations clock begins when the creditor accelerates the debt, or demands payment in full. The statute of limitations on written contracts, which includes most debt, is six years.

Arizona law stipulates that a creditor or a debt collection agency can take no more than 25% of your net pay. This means that after taxes and any employer sponsored benefits are subtracted from gross pay, an original creditor or a third party debt collector can garnish 25% of what remains of your weekly earnings.

The Bill of Rights (Art. III, Sec. 20 ) of the 1987 Charter expressly states that "No person shall be imprisoned for debt..." This is true for credit card debts as well as other personal debts.Romel Regalado Bagares, non-payment of debts are only civil in nature and cannot be a basis of a criminal case.

Creditors have one year after death to collect on debts owed by the decedent. For example, if the decedent owed $10,000.00 on a credit card, the card-holder must file a claim within a year of death, or the debt will become uncollectable.

Option 1: Don't allow a judgment to be entered against you. Option 2: Challenge the judgment. Option 3: Don't expose assets to garnishment. Option 4: Reduce the amount that is being garnished (wage garnishments only) Option 5: Settlement. Option 6: Bankruptcy.