Debt Validation Letter in Arizona
Ask a debt collector to prove a debt. Under the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692g), if you dispute in writing within the validation period, the collector must stop collecting until it sends verification. Send it by certified mail and keep a copy.
What Arizona law says
| State debt collection law | Arizona's collection agency law (A.R.S. Title 32, Ch. 9) makes it unlawful to run a collection agency without a license and sets rules for licensees, such as not advertising a debt for sale to pressure payment and accounting for money collected. Debtor-facing conduct is otherwise governed mainly by the federal FDCPA and Arizona's Consumer Fraud Act. Re-verified 2026-10-27. Source: A.R.S. § 32-1055 |
|---|---|
| Time limit to sue on a written contract | 6 years for a debt based on a written contract signed in Arizona. If another state's limitations period conflicts, Arizona's 6-year rule applies to these debts. Re-verified 2026-10-27. Source: A.R.S. § 12-548(A)(1), (B) |
| Can a payment restart the clock? | Once a claim is time-barred, an acknowledgment that the debt is owed revives it only if the acknowledgment is in writing and signed by the debtor. The statute does not address the effect of a partial payment. Re-verified 2026-10-27. Source: A.R.S. § 12-508 |
Fill it in
Nothing you type leaves your browser. Replace anything still highlighted, and keep a signed copy.
[today's date]
To: [collection agency name], [collector address]
Re: Account number [account or reference number]
I am writing in response to your [letter or call] dated [date of contact]. I dispute this debt and request validation under 15 U.S.C. § 1692g.
Please send me the name of the original creditor, the amount you claim and how it was calculated, and documents showing that you own or are authorized to collect this debt.
Until you provide this verification, please stop collection activity on this account, and contact me only in writing at the address below.
[your name], [your mailing address]
Debt Validation Letter for other states · Arizona tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.