Arizona Debt Collection Services

Our approach focuses on compliance with federal and state regulations. Ask our team to confirm service availability for the account type and states involved before placement.

Arizona has clear time limits for filing lawsuits to collect different types of debt. These statutes of limitations affect the legal enforceability of debts:

At MSB, we monitor all case timelines closely to ensure actions are taken within these deadlines.

Arizona requires collection agencies to hold a license from the Department of Insurance and Financial Institutions (A.R.S. § 32-1021), and all debt collectors must comply with the Fair Debt Collection Practices Act (FDCPA). This federal law protects consumers from harassment, false statements, and unfair practices.

Additionally, Arizona’s Consumer Fraud Act and the federal Fair Credit Reporting Act (FCRA) further regulate how collections are reported and communicated.

Ask our team to confirm service availability for the account type and states involved before placement.

Ask our team to confirm service availability for the account type and states involved before placement.

Learn more about our Debt Recovery services

Delegate your difficult-to-collect accounts to our bad debt outsourcing team.

Explore Bad Debt Outsourcing options

Ideal for healthcare providers and education institutions in Arizona, our early-out and self-pay programs engage consumers early in the payment cycle.

See our Early-Out Services

MSB supports a wide range of Arizona businesses and institutions, including:

Arizona allows 6 years for written contracts executed in Arizona, promissory notes and credit cards (A.R.S. § 12-548), 4 years for written contracts executed outside Arizona (A.R.S. § 12-544), and 3 years for oral agreements and open accounts (A.R.S. § 12-543). Judgments are enforceable for 10 years and can be renewed (A.R.S. § 12-1551).

Collection agencies need an Arizona license (A.R.S. § 32-1021) and must comply with the FDCPA.