Arizona

Arizona is home to ancient cultures, amazing deserts and mountains with spooky tales attached to them. Health care, transportation and tourism form much of the state’s economy. Arizona is ranked #14 for population and #33 for population density.

As of 2018, over 7 million people called Arizona home. Phoenix is the largest city in the Arizona.

Income

The median state income is $53,558. As of 2018, the minimum wage is $10.50 per hour. Unfortunately, 23.3% of Arizonan children under 18 live in poverty. For residents overall, 16.4% of all people in Arizona live under the poverty level.

  • Median state income: $53,558
  • Minimum wage: $10.50/hour
  • Children in poverty: 23.3%
  • People in poverty: 16.4%

Is Arizona a Community Property State?

AZ is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of Arizona, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Homeowners

More than half (64.4%) of Arizonans hold a mortgage. The median home price in Arizona is $240,600 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 64.4%
  • Median home price: $240,600

Employment

Arizona has a current employment rate of 4.9%. However, the underemployment rate is 10.8%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Arizona debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 4.9% (2018)
  • Underemployment: 10.8% (2017)

Arizona Debt

Arizonans carry a lot of debt. The average credit card debt is $7,100 (2018). The average student loan debt is $23,384. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Arizonans to get into debt.

  • Avg credit card debt: $7,100 (2018)
  • Avg mortgage debt: $198,385 (2017)
  • Avg student loan debt: $23,384 (2017)

Arizona Statute of Limitations

Arizona’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Arizona, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 3 years
  • Written contracts: 6 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 6 years

Arizona Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Arizonans are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the Arizona Fair Debt Collection Practices Act (AFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Arizona.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Arizona Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Arizona Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Arizona Cities Served by Pacific Debt

Ajo
Ak-Chin Village
Amado
Apache Junction
Arizona City
Arizona Village
Ash Fork
Avondale
Avra Valley
Bagdad
Benson
Big Park
Bisbee
Bitter Springs
Black Canyon City
Blackwater
Bluewater
Bouse
Buckeye
Bullhead City
Burnside
Cameron
Camp Verde
Canyon Day
Carefree
Casa Grande
Casas Adobes
Catalina
Catalina Foothills
Cave Creek
Central Heights-Midland City
Chandler
Chilchinbito
Chinle
Chino Valley
Chuichu
Cibecue
Cibola
Clarkdale
Claypool
Clifton
Colorado City
Congress
Coolidge
Cordes Lakes
Cornville
Corona de Tucson
Cottonwood
Cottonwood-Verde Village
Dennehotso
Desert Hills
Dewey-Humboldt
Dilkon
Dolan Springs
Douglas
Drexel-Alvernon
Drexel Heights
Dudleyville
Duncan
Eagar
East Fork
East Sahuarita
Ehrenberg
Elgin
El Mirage
Eloy
First Mesa
Flagstaff
Florence
Flowing Wells
Fort Defiance
Fortuna Foothills
Fountain Hills
Fredonia
Gadsden
Ganado
Gila Bend
Gilbert
Gisela
Glendale
Globe
Gold Camp
Golden Valley
Goodyear
Grand Canyon Village
Greasewood
Green Valley
Guadalupe
Hayden
Heber-Overgaard
Holbrook
Hotevilla-Bacavi
Houck
Huachuca City
Jeddito
Jerome
Kachina Village
Kaibab
Kaibito
Kayenta
Keams Canyon
Kearny
Kingman
Kykotsmovi Village
Lake Havasu City
Lake Montezuma
Lechee
Leupp
Litchfield Park
Littletown
Lukachukai
McNary
Mammoth
Many Farms
Marana
Maricopa
Mayer
Mesa
Mesquite Creek
Miami
Moenkopi
Mohave Valley
Mojave Ranch Estates
Morenci
Mountainaire
Munds Park
Naco
Nazlini
New Kingman-Butler
New River
Nogales
Oljato-Monument Valley
Oracle
Oro Valley
Page
Paradise Valley
Parker
Parker Strip
Parks
Patagonia
Paulden
Payson
Peach Springs
Peeples Valley
Peoria
Peridot
Phoenix
Picture Rocks
Pima
Pine
Pinetop-Lakeside
Pinon
Pirtleville
Pisinemo
Poston
Prescott
Prescott Valley
Quartzsite
Queen Creek
Queen Valley
Red Mesa
Rio Rico Northeast
Rio Rico Northwest
Rio Rico Southeast
Rio Rico Southwest
Rio Verde
Rock Point
Rough Rock
Round Rock
Sacaton
Safford
Sahuarita
St. David
St. Johns
St. Michaels
Salome
San Carlos
San Luis
San Manuel
Santan
Santa Rosa
Sawmill
Scottsdale
Second Mesa
Sedona
Seligman
Sells
Shongopovi
Shonto
Show Low
Sierra Vista
Sierra Vista Southeast
Snowflake
Somerton
Sonoita
South Tucson
Springerville
Spring Valley
Stanfield
Steamboat
Strawberry
Summit
Sun City
Sun City West
Sun Lakes
Sun Valley
Supai
Superior
Surprise
Swift Trail Junction
Tacna
Tanque Verde
Taylor
Teec Nos Pos
Tempe
Thatcher
Three Points
Tolleson
Tombstone
Tonalea
Tonto Basin
Top-of-the-World
Tortolita
Tsaile
Tubac
Tuba City
Tucson
Tucson Estates
Tumacacori-Carmen
Tusayan
Vail
Valencia West
Wellton
Wenden
Whetstone
Whiteriver
Wickenburg
Wilhoit
Willcox
Williams
Williamson
Willow Valley
Window Rock
Winkelman
Winslow
Winslow West
Yarnell
Young
Youngtown
Yuma

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