Debt Settlement Company in Arizona, Debt Consolidation program in Arizona

Debt Settlement firm in Arizona, Debt Consolidation help in Arizona, Arizona debt consolidation plan, Arizona debt settlement plan

Deciding for the right Debt settlement company or Debt consolidation program is a great way to eliminate from 40-65% of your debt and become completely debt free in 18-36 months. We at DebtorSolution can design a personalized debt settlement program or debt consolidation plan that can lower your monthly payments by almost 50% and help you avoid bankruptcy.

Our professional negotiators are experts in the laws governing both debt settlement and debt collection practices. Nevertheless, if you are considering a debt settlement program, it is important to learn as much as possible about state and federal regulations. Here is some basic information regarding debt collection for the state of Arizona.

(This information is intended for educational purposes. It was verified at the time of publication but may have changed since. This information is not intended as legal advice. If you need legal assistance, please contact a local professional.)

Debt Collection:

The Fair Debt Collection Practices Act (FDCPA) regulations debt collection practices through the United States and its territories. Its purpose is to prevent abusive collection techniques for consumer debt. For more information, please visit this link: debt collection.

If you feel that your rights as a consumer have been violated, there are several ways to place your complaint:

1. Federal Trade Commission

Contact them via telephone using the toll-free number: 1-877-FTC-HELP

Submit your complaint electronically at : https://rn.ftc.gov/pls/dod/wsolcq$.startup

Mail your complaint to :

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580

2. State Attorney General

Attorney General Terry Goddard
Office of the Attorney General
1275 West Washington Street
Phoenix, AZ 85007
602.542.5025
800.352.8431 (toll free)
Fax 602.542.4085

Tucson Office
400 West Congress
South Building, Suite 315
Tucson, AZ 85701-1367
520.628.6504
Fax 520.628.6530

http://www.azag.gov/

Recording Telephone Calls:

Recording telephone calls is highly effective in proving abusive tactics. Federal regulations stipulate that in order for a conversation to be taped only one party must give consent. Arizona state regulations also require only one party to consent to the recording.

Statute of Limitations:

The Statute of Limitations for a delinquent debt refers to the amount of time a creditor has to file a lawsuit to collect on the debt. The Statute of Limitations (SOL) is a consecutive period of time during which the account remains delinquent. Thus if a delinquent account is brought back up to date, the SOL time limit will start from zero if the account goes delinquent a second time. Please remember that the Statute of Limitations does not begin from the date of the last payment, but instead from the moment that payment was missed. The Statute of Limitation for delinquent debts in Arizona is as follows:

Written Contracts: 3 years
Oral Contracts: 6 years
Promissory Notes: 6 years
Open Accounts: 3 years

Arizona Wage Garnishment:

15-25% of disposable income.

Disposable income is calculated using a formula that is part of the Non-Exempt Earnings Statement (NEES) form.

To know more about the best debt settlement plan, debt consolidation program in Arizona, contact us using the form at the left bottom of the page.

Debt Settlement Company in Arizona, Debt Consolidation program in Arizona

Debt Settlement firm in Arizona, Debt Consolidation help in Arizona, Arizona debt consolidation plan, Arizona debt settlement plan