Stop collection attempts on old or time-barred debts that can no longer be enforced. This template is customized for Arizona residents with relevant state law citations.
Arizona Legal Requirements
Your demand letter should reference Arizona-specific laws including FDCPA.
- FDCPA
- Arizona Collection Agency Bond - ARS § 32-1001
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Arizona small claims court or file a complaint with Arizona AG / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Zombie Debt Collection FAQs for Arizona
What laws protect me in Arizona for zombie debt collection?
Arizona consumers are protected by FDCPA and Arizona Collection Agency Bond - ARS § 32-1001. Your demand letter should reference these specific statutes.
What is the small claims limit in Arizona?
The small claims court limit in Arizona is $3,500. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Arizona?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Arizona Demand Letter
Generate a professional zombie debt collection demand letter tailored for Arizona. Our free tool includes relevant state law citations.
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