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Arizona is one of America’s fastest-growing states with a population of 6,553,255 as of 2012. This makes it America’s 15th most populous state – right behind Massachusetts and ahead of Indiana. Its largest city is Phoenix with a metro area population of 1,488,750 followed by Tucson with a population of 524,295.

If you lived in Arizona you’d probably have credit card debts of around $5,011 – at least that’s the average for Arizona credit card users. How does that stack up against the national average? It’s a bit on the high side as the average credit card debt per US adult is $4,878 not including zero-balance and store cards. According to the credit-reporting bureau Experian, the state’s average Experian PLUS credit score is 676 or a bit below that of the US, which was 687 in December of 2011.

Without question one of the factors contributing to this debt problem is Arizona’s unemployment rate, which as of this writing was 7.8%, ranking it 11th in the US for unemployment. Of course, the unemployment rate in Arizona varies by cities. For example Tucson had an unemployment rate of 6.2% while Phoenix’s unemployment rate was 7.5% and Flagstaff’s was 7.2%.

Arizona has total employment of 2,414,000.  Of this, 118,750 are employed in the category of business and financial operations, while some 136,000 are in management occupations and 43,000 are classified as general and operations managers. What this suggests is that one factor in Arizona’s high unemployment rate is that it doesn’t have much in the way of basic industries. For example, there are 100,000 people in the construction and extraction industries but only 510 tool and die makers.

Debt Relief Options For Arizona

Arizona Debt Relief and Debt Settlement Laws

Our debt relief services are available in Arizona! There is help for those struggling with unsecured debts. Our debt consultants are always ready to speak with you and give you a free consultation – you can call now:

(888) 703-4948

We provide various debt relief services in the state of Arizona. One service we provide is debt settlement. Debt settlement is a way to reduce your debts with your creditors into one low monthly program payment. This method is amazing for people who are experiencing the financial hit from the economy. Ideal participants in such programs are those who are seeing less income, have medical issues or are simply overwhelmed by debt.

However, you may not have to even apply for debt settlement if the statute of limitations is up in your state and the debt no longer appears on your credit report. Legally, credit companies must recover the debt in a period of time specified by the state or the debt is no longer recoverable after this time period. Read on to find out if the statute of limitations is up for you.

Debt Collection

(This is intended to be a helpful and informational debt resource for Arizona consumers and does not constitute legal advice.)

Arizona follows the set of laws that are collectively known as the Fair Debt Collection Practices Act (FDCPA).

  • Debt collector cannot send mail or telephone debtor at work unless a good-faith effort has been made to contact debtor at home and that effort has failed.
  • Debtor is reserved the right to see agency’s records concerning debt free of cost.
  • Collection agency cannot contact any third party in order to inform them of the debt, to ask them to pressure the debtor to paying the debt, or pressure them to pay the debt when they are not legally obligated to do so.
  • In the first contact, collection agency must disclose: name of creditor, time and place debt was incurred, merchandise or service purchased, and date the account was turned over for collection.

Arizona Debt Law (Page 42)

Maximum Interest Rate a Collection Agency Can Charge in Arizona: 10%

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in Texas but live in Arizona, the applicable statutes of limitations would be Texas’).

Written Contracts: 3 years
Oral Contracts: 3 years
Promissory Notes: 3 years
Open Accounts (credit cards): 3 years

get debt relief helpWhether you have unsecured credit cards, medical bills, personal loans or collection accounts, there’s help for you. The National Debt Relief Group offers a free consultation. You can fill out our Short Application and one of our debt specialists will contact you within minutes, or you can call now – (888) 703-4948.

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