Arizona Debt Collection Laws

Stanley M. Hammerman, Esq.

Submitted by Stanley M. Hammerman, Esq., Hammerman & Hultgren, P.C.
Published by The National List of Attorneys

Since 1977, a strong heritage for excellence and integrity has been the hallmark of AV-rated Hammerman & Hultgren, P.C. This firm has emerged as Arizona’s premier creditor and collection law firm, in the eyes of both the local and national legal communities. Its lawyers and paralegals consistently provide the highest caliber of legal services to the creditor community in an increasingly specialized field. Stanley M. Hammerman, Esq. has been practicing collection law since 1975. He has given numerous collection law seminars throughout the country. He was counsel for the defendant in the Ninth Circuit case of Terran v. Kaplan, where Rule 11 Attorneys’ Fees were awarded against a debtor’s attorney in a Fair Debt case. He was also instrumental in writing Arizona’s current garnishment laws. Mr. Hammerman is AV-rated and takes pride in aggressively, ethically, and successfully collecting both commercial and retail claims throughout the State of Arizona. More information about Mr. Hammerman and his law firm is available at

Arizona’s Debt Collection Laws

Arizona’s debt collection laws are similar to those of other states with some significant exceptions. When out of state creditors or counsel seek to enforce an obligation in the State of Arizona, special attention must be paid to Arizona’s community property laws, judgment domestication laws, and purchase money mortgage laws.

Statutes of Limitation

The following is a list of statutes of limitation pertaining to collection law in the State of Arizona:

Employment contracts (A.R.S. § 12-541)                     1 year

Bad Checks (A.R.S. § 12-671)                                     1 year

Subrogation/Property Damage/Product Liability

 (A.R.S. § 12-542)                                                     2 years

Open Accounts/Oral Contracts (A.R.S. § 12-543)          3 years

Repossession/Deficiency Balance (A.R.S. § 12-544)      4 years

Foreign Judgments (A.R.S. § 12-544)                           4 years

Judgment Renewals (A.R.S. § 12-1551)                        5 years

Written Contracts/Credit Cards (A.R.S. § 12-548)          6 years


Download the complete white paper Arizona Debt Collection Laws.