Debt Collection, Garnishment, Repossession Article


Where to Find an Attorney for Specific Legal Advice

Arizona has three legal aid organizations which cover different regions of the state.

  1. Community Legal Services (800) 852-9075 covers Maricopa, Mohave, Yavapai, Yuma and LaPaz Counties.
  2. Southern Arizona Legal Aid (800) 640-9465 covers southern Arizona.
  3. DNA People’s Legal Services (800) 789-7287 covers northern Arizona.

All legal service programs in Arizona differ, and their criteria for accepting cases vary. The legal aid organizations above all have the same criteria of income restrictions and legal status requirements, but do have varying priorities.

To find out about more Arizona resources that may be able to assist you, you can contact LegalLEARN, Legal Information & Resources at (866) 637-5341.

Individuals may apply for free and reduced fee legal services by using the "Access To Justice Online Intake System" through AZLawHelp. 

If the legal services program in your area cannot assist you, you may be able to find a lawyer through lawyer referral services in Maricopa County (602) 257-4434 or Pima County (520) 623-4625.

The State Bar also maintains a listing of all Arizona attorneys on their website, and certifies “specialists” in eight legal areas. (Not all attorneys seek such certification, however.) Lists of specialists can also be found at the State Bar of Arizona’s website.


Comments:

QUESTIONS

  • I got a equity loan for 30,000 on may 2007. On march 2009 got laid off my home was in foreclosure status. I became disabaled and filed in 2010. During which time my account was given to a lawfirm for collection. Well in 2011 I received my disability and soon after received a new agreement on my home from chase bank to refinance which we did. After this the lawfirm kept at me about owing on this account and they garnished my wifes checks and now shes not able to work their taking us to court come to find out this is my mortgage acct. and me and chase agreed on a new contract back in 2011.
  • I received a loan check from a company I previously had a loan with at one time. The check had only my name and I was the only one to sign it. Now, due to being laid off, a judgement has been entered and they will begin garnishing my wages. However, they also included my now ex-husband in the judgement and are going to garnish his wages. How can they do this if the loan was in my name only?
  • I had to evict my tenant and filed a Summons,served her and she finally moved after 7 days. She has refused to pay me what is owed. How do I collect the money owed?
  • I was in the hospital and didn't have my insurance information. I called the number given to me by the hospital when I was discharged. The hospital billed my insurance but didn't pass on my insurance to their physicians that saw me or x ray dept. I didn't know this until I was sent to collections over a year later. The insurance denied it due to timely filing laws. Can someone help me to settle/negotiate this debt? The collection agency is not working with me.
  • My car was recently repossessed. I spoke w/ the fa dept wanting to pay everything I need to pay to get it out and set my pymts up for weekly. The dept is telling me I have to wait 7-8 days for a letter to be generated and recd before I can make my pymt. Meanwhile, im getting charged storage fees everyday when I could just pay for it. Do I have to wait to receive a letter telling me I already know what happened and what I need to do? I want to pay today to get my car out.
  • I was late on payments on my car so the tow company came and took my car. Now there are telling me that I have to pay for my personal belongings in the car can they do that.
  • My home went into foreclosure on 09. Tried short sales and bank never agreed on any of the contracts. So they took the house back 8/27/09 and they sold it 10/27/09. I was told by my realtor and the short sale expert the HOA dues owed to stop payment while in short sale. And after the house foreclosed that the HOA's would be absorbed in the sale of the propety. Now a collections agency has attempted to collect again in 13'. What does the law say about this.

     

  • I am being sued for a past credit card debt from 2002. What is the statute of limitations for collection and can the new creditor garnish my wages?
  • I currently have a wage garnishment in place (am going to file bankruptcy but havent finished paying all amts yet) after 1st garnishment i fell at home breaking ankle dr. put me on short term disability, I pay into this thru work and have received disability insurance payments, my question is can my disablity payments be garnished (my wk's corp ofc is in Ohio, payroll dept there not entirely sure)or is it considered exempt
  • I am separated but still married. My husband is not paying his credit card debt and an atty has threatened to garnish MY wages and forced me to pay on his debt. He sent a notice to my employer seeking verification info which totally embarassed me and jeopardized my integrity. I have been paying him because I am intimidated. Is this legal?

STORIES

  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .

LegalLEARN

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FIND LEGAL HELP

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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