See why Fortune 500 companies trust us with their accounts in Phoenix.
Get an instant quote today!
Arizona law roughly mirrors the FDCPA, with one key difference: it is a criminal statute (Ariz. Code § § 32-1001 to 32-1057).
This means that violation is a class 1 misdemeanor and debtors can report violations of the statute to the local Phoenix or Maricopa county prosecutor. Under the Arizona criminal statute, debtors cannot sue the debt collector for breaking the law; but they can still sue for money damages under the FDCPA.
| Per capita income | Per capita debt balance | Difference between per capita income and debt |
| $43,650 | $53,060 | ($9,410) |
Open Invoices
| Unpaid Invoice Interest Rate | 10% or rate agreed to in contract. |
|---|---|
| Can Collection Fees be added? | Yes, if included in contract. |
| Statute of Limitations/Prescription | Verbal agreement: three years. Written agreement: six years. |
Judgments
| Post Judgment Interest Rate | If not provided in the contract, 10% or 1% plus the prime rate, whichever is lesser. |
|---|---|
| Judgment Expiration | 10 years. |
| Can judgment be renewed? | Yes, for another 10 years. |
We are licensed and accredited to collect your debts in Phoenix. With over 30 years of debt collection experience, we adhere to all local, state and federal laws, including the Fair Debt Collection Practices Act (FDPCA) and Arizona Fair Debt Collection Laws, using a fair, but firm approach for faster recovery of your funds.
For pre-legal services, we work on a “no collection – no fee” basis, so you will only pay when your funds are recovered. For legal services, we offer low-cost options.
We have no minimum value or volume that is required to place accounts
We service consumer and commercial debts, large or small, across many industries.
It varies. Factors such as the age of the account and the type of debt being collected must be taken into account, along with the specific circumstances of the claim. Because we know timely results are important to you, we guarantee an update on your claim within 30 days.
Once we receive your accounts and the proper documents to validate the claim, our representatives will begin by skip tracing the accounts to locate the debtor. We will then immediately start working the account via phone and mail and issue a written demand notice allowing 30 days for debt validation as required by the FDCPA.
The statute of limitations in Arizona is three years for verbal agreements and six years for written agreements.
If your debtor is unresponsive to letters and phone calls, we provide on-the-ground field services for investigation, skip tracing, in-person visits at your debtor’s residence, asset searches, and more.
Yes, we must be able to validate the debt before we can begin the collection process. Validation documents include, but are not limited to, contractual agreements between you and the consumer, a bill or invoices for exchanged goods or services or legal court judgment documents.
Yes. In the event all amicable efforts are exhausted, our in-house legal team will conduct a thorough review of the file to determine collectability in litigation. If the file qualifies and you approve, we will work with the local attorney in Phoenix to file suit and pursue the claim, including asset location, arbitration, trial representation, obtainment of a judgment and post-judgment enforcement.
Yes, if they are included in the contract signed by the debtor.
