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Arizona is the fastest growing state in the nation though it’s total population makes it only the 15th most populous state in the country. The average credit card debt per person in Arizona is around $5011, making it a bit on the high side compared the national average of $4878. The average credit score for a person in Arizona is around 675, just a little below the national average of 687 as of December 2011
One of the contributing factors to Arizona’s debt problem is the state’s unemployment rate which sits at 7.8%, placing the state in 11th place for unemployment. Not having a steady income or an income that was suddenly cut in half, can make it hard to pay your bills and buy food, causing many to make purchases using credit cards.
However, if you feel you are overcome with debt, you can find debt relief in Arizona. By working with a debt management services in Arizona, a knowledgeable and trained debt specialist will help you determine which of the various options is right for you. Debt relief programs in Arizona include debt consolidation loans in Arizona, debt settlement in Arizona, consumer credit counseling as well as bankruptcy in Arizona.
Debt Collection in Arizona
Arizona follows a set of laws collectively known as the Fair Debt Collection Practices Act, or FDCPA. These laws are intended to protect debtors from unfair practices of debt collectors and creditors. Many of these laws deal with how a debt collector is allowed to contact you or find you. The maximum interest rate a collection agency can charge is 10% in Arizona. If you are dealing with debt collection in Arizona, it is best to speak with a debt attorney or debt management services in Arizona to understand your full rights.
Statute of Limitations in Arizona
A statute of limitations sets forth the limits, or maximum period of time, after certain events, that legal proceedings may be initiated. It is key to remember that this period of time starts from the day you become delinquent on your account, not date of your last payment. Statutes of limitations vary from state to state. The state statute that applies to your debt is the state in which the original transaction took place in. In Arizona, the statute of limitations is 3 years for all written contracts, oral contracts, promissory notes and open accounts (credit cards). If you are unsure if your Arizona debts fall within the statute of limitations or not, contact an center that provides debt management in Arizona.
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Debt Relief in Arizona
If feel like you will never be free of your debts, there is hope. There are several options available to you to help you become debt free in Arizona. Because each individual’s debt situation is unique, it is best to work with a center that provides debt management in Arizona. A trained and knowledgeable debt specialist will analyze your personal debt situation to see which options work best for you. These options include: debt consolidation in Arizona, debt settlement in Arizona, credit counseling and bankruptcy in Arizona (both bankruptcy chapter 7 and bankruptcy chapter 13).
Debt Consolidation in Arizona
Debt consolidation loans in Arizona is perhaps the most common form of debt relief. Arizona debt consolidation programs work by combining your debts into a single loan which generally has a lower interest rate, making the cost of repaying your debts more affordable. Debt consolidation companies in Arizona negotiate the terms of your new consolidated loan with your creditors on your behalf. You will find that credit counseling is often paired up with debt consolidation in Arizona as part of helping you to achieve debt relief in Arizona.
When using debt consolidation loans in Arizona to become debt free, it is important to note that this option only consolidates your debts and lowers the interest rate. Debt consolidation in Arizona does not lower the principal amount of debts owed. However, after you have paid down enough of your debts and you qualify, some debt consolidation companies in Arizona may choose to move forward with debt settlement in Arizona.
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Bankruptcy in Arizona
Filing for bankruptcy in Arizona should be considered your final option for debt management in Arizona. It is important that you attempt to exhaust all other options of debt relief in Arizona, such as debt consolidation, before going through the bankruptcy process. This is because bankruptcy in Arizona can have long-lasting negative effects on your credit score.
Filing for bankruptcy in Arizona includes two common options, bankruptcy chapter 7 and bankruptcy chapter 13. It is advisable to consult first with a debt relief center first to see if other options are available to you before beginning the bankruptcy process.
Dealing with mounting debt can be stressful, however it is possible to become debt free in Arizona. By working with a center that provides debt management in Arizona, you will work with a trained professional who will help you find the best options for you to reach debt relief in Arizona. You have many options available to you, including debt consolidation loans in Arizona, debt settlement, credit counseling, and as a final resort, bankruptcy in Arizona.
Also, we provide:
Debt Relief in Alaska
Debt Relief in California
Debt Relief in Florida
Debt Relief in Idaho
Debt Relief in Indiana
Debt Relief in Kentucky
Debt Relief in Louisiana
Debt Relief in Maryland
Debt Relief in Massachusetts
Debt Relief in Michigan
Debt Relief in California
Debt Relief in Florida
Debt Relief in Idaho
Debt Relief in Indiana
Debt Relief in Kentucky
Debt Relief in Louisiana
Debt Relief in Maryland
Debt Relief in Massachusetts
Debt Relief in Michigan
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