Pay for Delete Letter in Arizona
An offer to pay a collection account in exchange for the collector asking the credit bureaus to remove it. Collectors are not required to agree; get any agreement in writing before you pay, and check your state's rules on whether a payment restarts the time limit to sue (below).
What Arizona law says
| 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 |
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| Time limit for credit cards and open accounts | Credit card debt has 6 years under the same statute as written contracts. Debts not evidenced by a written contract (such as oral agreements) and stated or open accounts have 3 years. § 12-543 text: https://www.azleg.gov/ars/12/00543.htm Re-verified 2026-10-27. Source: A.R.S. § 12-548(A)(2); § 12-543 |
Fill it in
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[today's date]
To: [collection agency name and address]
Re: Account [account number]
I am willing to pay $[amount offered] to resolve this account in full, on the condition that you ask each credit bureau to remove the account from my credit reports.
If you agree, please confirm these terms in writing on your letterhead before I send payment.
This letter is not an acknowledgment that I owe the debt.
[your name], [your address]
Pay for Delete 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.