How to Resolve My Debt in Arizona

The Grand Canyon is one of America’s most famous natural wonders located in Arizona.

Arizona is known for its exceptionally dry heat and rugged landscape, punctuated by the famous Grand Canyon. It was one of the last states to join the union.

Copper mining was a major economic source in the mid 1800’s. The barren terrain of Arizona also served as prisoner of war camps during World War II for German and Japanese POWs.

Arizona is a leading state among retirees because of its perennially warm climate and clean, dry air. It is also a popular state for college kids who flock from all over the U.S. to attend Arizona State University in Tempe, and the University of Arizona in Tucson.

The Overall Debt Situation in Arizona

Debt resolutions specialists have graded Arizona as a “C” when it comes to their debt situation.

Credit card debt is a little higher than the national average. One of the primary reasons for their debt is an escalating unemployment rate, ranked 11th in the U.S. Arizona is 30th in credit card debt and has a credit score that identically matches the nation’s average of 669.

In addition, thanks to the ongoing allure of college kids to the famous “party school” of Arizona, student loan debt sits at $27.5 billion.

Arizona Debt Fast Facts

  • Population: 39.6 million
  • Median Household Income: $75,277
  • Average Credit Score: 669 (the national average is 669)
  • Average Credit Card Debt: $7,100
  • Average Student Loan Debt: $33,492
  • State Debt Total: $14.3 billion

Debt Relief Laws That Protect Arizona Residents

Disclaimer: The information shared herein is intended to be a free resource for Arizona consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Arizona has long been known for passing debt resolution laws that aggressively protect its citizens.

If you are embroiled in a deepening debt situation in Arizona, Resolvly can help find an expert team of seasoned debt resolution lawyers to get debt advice that might eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific debt dismissal rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Arizona residents specifies how to eliminate debt by enforcing your consumer rights against harassing debt collectors. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Arizona locals in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt resolution company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Arizona residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA) which can protect consumers against credit card debt becoming a lawsuit. The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

There are other debt collection acts unique to the state of Arizona that a debt resolution attorney can use to defend you in case of a debt lawsuit.

Let Resolvly Find The Right Debt Relief Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make it go away. Utilizing the legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and debt resolution.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to help dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and debt resolution. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 866-955-5047 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

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