State Debt Laws
Arizona Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Arizona
Arizona (AZ) - At a Glance
| State Consumer Protection Law | Arizona Consumer Fraud Act |
| Source | A.R.S. ยง 44-1521 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $300 in bank |
| Homestead Exemption | $250,000 |
Key Protections in Arizona
- FDCPA applies to third-party collectors
- High homestead exemption protects home equity
- Consumer fraud act covers deceptive debt collection
Wage Garnishment in Arizona
After a court judgment, creditors in Arizona can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Arizona follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Arizona
If a debt collector violates the FDCPA or Arizona Consumer Fraud Act:
- File with the Arizona Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)