{"id":4258,"date":"2022-03-25T08:14:16","date_gmt":"2022-03-25T08:14:16","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=4258"},"modified":"2022-04-29T07:43:12","modified_gmt":"2022-04-29T07:43:12","slug":"limitation-of-debt-collectors","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/","title":{"rendered":"Limitation of Debt Collectors"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"How_Does_Debt_Collection_Work\"><\/span><span style=\"font-weight: 400;\">How Does Debt Collection Work?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662cf65c0f699\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662cf65c0f699\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#How_Does_Debt_Collection_Work\" title=\"How Does Debt Collection Work?\">How Does Debt Collection Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#How_is_Arizona_Debt_Collection_Law_Different_from_Fair_Debt_Collection_Practices_Act_FDCPA\" title=\"How is Arizona Debt Collection Law Different from Fair Debt Collection Practices Act (FDCPA)\">How is Arizona Debt Collection Law Different from Fair Debt Collection Practices Act (FDCPA)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Who_are_Categorized_as_Debt_Collectors_under_the_Arizona_Law\" title=\"Who are Categorized as Debt Collectors under the Arizona Law?\">Who are Categorized as Debt Collectors under the Arizona Law?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#How_are_Debtors_Protected_Under_the_FDCPA\" title=\"How are Debtors Protected Under the FDCPA?\">How are Debtors Protected Under the FDCPA?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#What_Debt_Collectors_Can_Do\" title=\"What Debt Collectors Can Do?\">What Debt Collectors Can Do?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Request_a_payment_on_an_expired_debt\" title=\"Request a payment on an expired debt\">Request a payment on an expired debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Pressure_you\" title=\"Pressure you\">Pressure you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Sue_you_for_payment_on_a_debt\" title=\"Sue you for payment on a debt\">Sue you for payment on a debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Sell_your_debt\" title=\"Sell your debt\">Sell your debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Negotiate_what_you_owe\" title=\"Negotiate what you owe\">Negotiate what you owe<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#What_Debt_Collectors_Cannot_Do\" title=\"What Debt Collectors Cannot Do?\">What Debt Collectors Cannot Do?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Using_profanity_and_abusive_language\" title=\"Using profanity and abusive language\u00a0\">Using profanity and abusive language\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Use_of_threat\" title=\"Use of threat\">Use of threat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Annoying_harassing_and_abusing\" title=\"Annoying, harassing, and abusing\">Annoying, harassing, and abusing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Threatening_to_publicly_humiliate_you\" title=\"Threatening to publicly humiliate you\">Threatening to publicly humiliate you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Using_inappropriate_means_of_communication\" title=\"Using inappropriate means of communication\">Using inappropriate means of communication<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Indulge_in_unethical_practices\" title=\"Indulge in unethical practices\">Indulge in unethical practices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Become_false_creditors\" title=\"Become false creditors\">Become false creditors<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/limitation-of-debt-collectors\/#Eliminate_Your_Debts_Today\" title=\"Eliminate Your Debts Today!\">Eliminate Your Debts Today!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Debt collection laws in Arizona may be found in Section 1692 of Title 15 of the United States Code. Arizona state laws, for the most part, correspond to those legislation. Debt collection organizations and debt collectors are governed and limited in their actions when collecting a debt. There are specific regulations that they must observe, such as how frequently they can call or the language that they are allowed to use. However, keep in mind that these rules will not stop companies from attempting to convince delinquent debtors to pay what they can. In this article, a an <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/\"><span style=\"font-weight: 400;\">Arizona bankruptcy law firm<\/span><\/a><span style=\"font-weight: 400;\">, Phoenix Fresh Start Bankruptcy,\u00a0 will discuss what debt collectors can and cannot do in Arizona.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_is_Arizona_Debt_Collection_Law_Different_from_Fair_Debt_Collection_Practices_Act_FDCPA\"><\/span><span style=\"font-weight: 400;\">How is Arizona Debt Collection Law Different from Fair Debt Collection Practices Act (FDCPA)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"aligncenter wp-image-4260 size-full\" title=\"What Debt Collectors Can and Cannot Do Arizona\" src=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona.webp\" alt=\"What Debt Collectors Can and Cannot Do Arizona\" width=\"626\" height=\"418\" srcset=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona-200x134.webp 200w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona-300x200.webp 300w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona-400x267.webp 400w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona-450x300.webp 450w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona-600x401.webp 600w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2022\/03\/Debt-Collectors-Can-and-Cannot-Do-Arizona.webp 626w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You must be aware of the key contrast between Arizona&#8217;s Fair Debt Collection laws and the FDCPA. For example, Arizona law requires every creditor to secure a license in order to conduct collection efforts within the state. Other laws include providing a debt collector five days after first contacting a debtor to give them a decent written notification informing them of the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The total amount owed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The original creditor&#8217;s name whom the debtor owes money<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A written notice informing the debtor that they are given 30 days from the date of receipt to dispute the amount in concern. They also have the opportunity to get responses and validations within 30 days of submitting the inquiry.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In accordance with FDCPA, a violation of Arizona&#8217;s consumer debt collection practices are criminal in nature. An offense is considered Class 1 misdemeanor. (Ariz. Rev. Stat. \u00a7 32-1056) If you are a debtor, you cannot sue the collection agency if it violates Arizona state law. Instead, you must take legal action for the violation to the district attorney&#8217;s office. In case the creditor agency violated the FDCPA, you can still sue them for monetary damages. If they are proven guilty beyond a reasonable doubt, they may face fines, incarceration, license suspension, and probation for several years.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_are_Categorized_as_Debt_Collectors_under_the_Arizona_Law\"><\/span><b>Who are Categorized as Debt Collectors under the Arizona Law?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Arizona Law defines &#8220;collection agency&#8221; in an entity &#8220;engaged&#8221; in collecting financial debts, including anyone who collects debts arising from the conduct of the person&#8217;s own organization but collects payments from customers under a different name. Attorneys, real estate brokers, attorneys, and title companies are exempted from some parts of the federal law.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_are_Debtors_Protected_Under_the_FDCPA\"><\/span><b>How are Debtors Protected Under the FDCPA?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The FDCPA protects the rights of the debtors in a lot of ways. While we cannot actually prevent the collectors from going after individuals, the FDCPA governs the conduct of creditors on how they are permitted to collect the debts. When collecting debts from debtors, creditors do not have complete freedom or authority. They must follow the rules and procedures that have been established.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In general, Arizona debt collection legislation adheres to the FDCPA principles. Creditors continue to be regulated and constrained by the same rules and regulations that most other states follow. Creditors in Arizona, for example, are still restricted from calling debtors too early in the morning or too late at night. Furthermore, they must still introduce themselves while phoning, or risk fines from the Federal Trade Commission.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Debt_Collectors_Can_Do\"><\/span><span style=\"font-weight: 400;\">What Debt Collectors Can Do?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Request_a_payment_on_an_expired_debt\"><\/span><b>Request a payment on an expired debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Every unsecured obligation, such as medical debt and credit card debt, is subject to legal limitations. You cannot be sued for payment after the date has passed and the debt has expired. You do, however, owe it. Debt collectors may continue to pursue payment.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pressure_you\"><\/span><b>Pressure you<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While debt collectors are not permitted to threaten or use abusive language when attempting to collect debts, they are allowed to put you under pressure during the collection process. This includes phone calls, letters, and discussions of filing a lawsuit. All of them are permissible as long as they adhere to legal standards.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sue_you_for_payment_on_a_debt\"><\/span><b>Sue you for payment on a debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Debt collectors are allowed to sue you for payment as a last option. Keep in mind that debts are, by definition, obligations. If these obligations are not met, a lawsuit may be filed. It is common for it to result in bank levies, wage garnishment, or both. The majority of debtors fail to appear in court and hence lose by default.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sell_your_debt\"><\/span><b>Sell your debt<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the debt has not yet been collected, the collector has the right to resell it. Thus , if one debt collector stops contacting you about a debt, another will probably take over. If you are unable to pay a debt in full, you can make a written agreement with the debt collector.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Negotiate_what_you_owe\"><\/span><b>Negotiate what you owe<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Debt collectors make a lot of money since they buy debts for pennies on the dollar. For this reason, it gives them more ability to negotiate with their consumer. You, as the debtor, can negotiate with the debt collector for a settlement of 30% or 25% of the principal outstanding amount. Remember that the agreement must be in writing, not verbally, so you can have proof about the debt consolidation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Debt_Collectors_Cannot_Do\"><\/span><span style=\"font-weight: 400;\">What Debt Collectors Cannot Do?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Using_profanity_and_abusive_language\"><\/span><b>Using profanity and abusive language\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Debtors, as previously mentioned, may pressure you when it comes to collecting debts. They have the option of calling you or sending you an email. They are not, however, allowed to use profanity. They are not entitled to offend you personally or in any other way. Debt collectors must conduct themselves professionally in order to work on the debt settlement.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Use_of_threat\"><\/span><b>Use of threat<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Under the FDCPA and other Arizona statutes, any threat is prohibited. As a debtor, you have the right to file a complaint with the district attorney if a bill collector threatens you with anything in order to collect money from you. This threat also includes the threat of seizing all of your possessions.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Annoying_harassing_and_abusing\"><\/span><b>Annoying, harassing, and abusing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Creditor harassment is one of the most common problems. Debt collectors that use harsh or abusive language to collect money from debtors may face legal consequences. As debt collectors, they are obligated to follow the rules. They cannot contact the borrowers too early in the morning or too late at night. While the FDCPA does not specify the maximum number of calls that debt collectors are permitted to make each day, if a debt collector contacts you every 15 minutes, this may be deemed as debt collector harassment.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Threatening_to_publicly_humiliate_you\"><\/span><b>Threatening to publicly humiliate you<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Threatening to publicize you as a debtor is unquestionably a violation of your rights. For example, if mailing you a letter is their way of reminding you of your obligation, they cannot state on the outside of the envelope that it is for debt collection. Debt collectors are also not allowed to send postcards to you.\u00a0 Debt collection practices and activities should, by nature, be private.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Using_inappropriate_means_of_communication\"><\/span><b>Using inappropriate means of communication<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Debt collection agencies and debt collectors are permitted to contact the borrower&#8217;s family members in order to authenticate the borrower&#8217;s information. It is important to note, however, that debt collectors must identify themselves as having the intent to collect a debt. If a third party starts asking questions, the collector must provide the name of their company. When a lawyer is representing the borrower, the debt collector can only speak to the lawyer and not directly to the borrower. Debt collectors are permitted to contact the borrower directly if the lawyer is unresponsive to their calls.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Indulge_in_unethical_practices\"><\/span><b>Indulge in unethical practices<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The FDCPA is clear and has a list of what constitutes unfair practices. For example, misrepresenting and threatening the debtor by claiming to be a governmental agent or an attorney trying to collect the debt when in reality, they are not. This is not allowed and is deemed unlawful. Similarly, debt collectors are not allowed to refuse to provide the identity of the debt collection agency or firm for which they operate. Moreover, they must always be truthful about the entire amount to be paid.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Become_false_creditors\"><\/span><b>Become false creditors<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some collection agencies will falsely declare that someone owes them unpaid debt when this is not true at all.\u00a0 They will call you and notify you that you owe them a certain sum or outstanding debt. If this happens, you, as the recipient of the phone call, can request a validation notice or credit report on the alleged debt from the creditor or collection agency.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Eliminate_Your_Debts_Today\"><\/span><span style=\"font-weight: 400;\">Eliminate Your Debts Today!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are a debtor with an unresolved debt, <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/contact\/\">contact<\/a> Phoenix Fresh Start Bankruptcy for legal assistance. We provide prudent guidance and effective legal remedies. It is our pleasure to help you in reaching your debt-free goals, and we ensure that your case is handled meticulously by our<\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/top-phoenix-bankruptcy-attorney\/why-hire-us\/\"><span style=\"font-weight: 400;\"> competent lawyers<\/span><\/a><span style=\"font-weight: 400;\">. If you believe that filing a petition for bankruptcy is a good choice for you, schedule a consultation today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How Does Debt Collection Work? Debt collection laws in Arizona may be found in Section 1692 of Title 15 of the United States Code. Arizona state laws, for the most part, correspond to those legislation. Debt collection organizations and debt collectors are governed and limited in their actions when collecting a debt. There are specific regulations that they must observe, such as how frequently they can call or the language that they are allowed to use. However, keep in mind [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4259,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[838],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4258"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=4258"}],"version-history":[{"count":2,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4258\/revisions"}],"predecessor-version":[{"id":4262,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/4258\/revisions\/4262"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/4259"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=4258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=4258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=4258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}