Sued over a debt in Arizona?
A flat-fee way to respond on time — launching soon in Arizona, with a licensed Arizona attorney reviewing the work at launch. Right now, get free information on your deadline and options. The worst move is doing nothing.
- Launching soon
- Flat fee
- Arizona-only
Who it’s for
- You were served with a debt-collection lawsuit in Arizona
- A debt buyer (Midland, Portfolio Recovery, LVNV, and others) is suing you
- You have a default judgment you want to try to set aside
- You are getting collection calls and want to know your rights and deadlines
What you get
What’s included
Deadline triage
We identify your Answer deadline the day you sign up — miss it and you can lose by default.
Drafted Answer
A prepared Answer that raises the defenses that apply to your case.
Statute-of-limitations check
We check whether the debt may be too old to sue on under Arizona law.
Next-step guidance
Plain-English explanation of what happens after you file.
How it works
How debt defense works
- Step 1
Tell us about the suit
Short intake: who is suing, when you were served, and the amount claimed.
- Step 2
We prepare your Answer
Careful drafting with the defenses that fit your facts.
- Step 3
You file on time
Clear instructions for filing in the correct Arizona court.
Flat-fee pricing
Clear prices, no hourly surprises
What every package includes
- Deadline triage. We identify your Answer deadline the day you sign up — miss it and you can lose by default.
- Drafted Answer. A prepared Answer that raises the defenses that apply to your case.
- Statute-of-limitations check. We check whether the debt may be too old to sue on under Arizona law.
- Next-step guidance. Plain-English explanation of what happens after you file.
Flat fees are for our document preparation and attorney review. Court and government filing fees, where they apply, are separate and paid to the court.
Related services
Ask the court to reopen a judgment entered when you did not respond.
Questions
Frequently asked questions
How long do I have to respond to a debt lawsuit in Arizona?
Generally 20 days after you are served if served in Arizona (30 days if served out of state). Your summons states the deadline — read it the day you receive it.
What happens if I ignore a debt lawsuit?
The plaintiff can ask the court for a default judgment. A judgment can lead to wage garnishment or a bank levy, so responding on time matters even if you think you owe the money.
Is there a statute of limitations on debt in Arizona?
Arizona generally applies a six-year limit to written contracts and most credit-card debt (A.R.S. §12-548). If the debt is older than the limitations period, that can be a defense — but it must be raised properly.
Can I fight a debt-buyer lawsuit?
Yes. Debt buyers often must prove they own the debt and prove the amount. Requiring that proof is a common, legitimate part of defending these cases.
Coverage
Debt Defense across Arizona
Attorney review pending. This page is published as general legal information and has not yet been reviewed by a licensed Arizona attorney.
Important
- This is general legal information, not legal advice, and does not create an attorney-client relationship.
- Deadlines are strict; confirm your specific deadline on your court summons and do not rely on general timeframes.
Ready to move forward with debt defense?
Tell us about your situation and we’ll point you to the right next step.
Arizona-only · flat fee · no obligation