arizona medical debt

Arizona Medical Debt Laws: What Applies in Arizona

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Arizona Medical Debt Laws

Arizona passed Proposition 209 in 2022, introducing aggressive consumer protections that cap interest rates on medical debt and vastly increase asset exemptions. Arizona is not a wage garnishment ban state. Collectors can seek to garnish up to 25% of your disposable earnings with a court judgment. There is no state-level credit reporting ban in Arizona; … Read more

Arizona Medical Debt Statute of Limitations: 6 years

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Arizona Medical Debt Statute Of Limitations

In Arizona, a medical debt collector has exactly 6 years to file a lawsuit against you. This is the legal statute of limitations. While this 6-year window is the baseline, the 2022 Proposition 209 consumer protection law drastically limits what collectors can take from you during that time, including a 3% interest cap and protecting … Read more