Inter Next Technologies, Inc., Internet Marketing Services, Reno, NV
Call (Toll Free)
Community Area
Get FREE Counseling


Helpful Resources
Popular Discussions
Creditmagic Twitter
Credit on Facebook

Statue of Limitations (AZ)

Post reply  Start a topic
Author Message
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to
Add to YahooMyWeb

Subject: Statue of Limitations (AZ)
Posted on Wed Dec 16, 2009 11:37 am  

I had previously thought the SOL for my state (AZ) was 6 years for credit card debt. Upon a recent search though, I'm seeing that many sources are saying that it's actually 3 years. This is typical of the info that I'm getting:

"Open Account (credit card): 3 years
Written Contract: 6 years (4 years if outside state)"

So would a charged off account still count as open according to this? Or does it fall under the 6 year written contract?


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Thu Dec 17, 2009 8:40 am  

Hi Mike,

Mostly credit card debts fall under open contracts. Hence, in accordance with that the SOL for your debt in Arizona should be 3 years.
All the Best Smile

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

140 Magic Points

Posted on Thu Dec 17, 2009 8:24 pm  

Mike, yes it is three years. I pulled it up myself and looked. If you have an account that is in collections you will need to pull your credit rep ort and look at when the last payment was made on the account. Count three years from that date. If you look at your report the original creditor should be listed on there (along with the most recent collector). The original creditor should list the account thirty days late since..and give a date. Thats a goes starting point when trying to figure out if the statute of limitations will apply in your case.

Subject: ugly duckling
Posted on Tue Jan 19, 2010 8:06 am  

I bought a car in 1998. Drove it 2 weeks; it broke down. I couldn't afford to fix it and make payments. So I volunteered a repo on it,
I purchased it for 7000.00 Now Jan 2010. Just now said I owe 19,000 Is ther a sol on this

Subject: Judgements
Posted on Wed Apr 07, 2010 9:58 pm  

Is there a status of limitations on judgements in arizona? Thank you


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: statute of limitations
Posted on Thu Apr 08, 2010 9:55 am  

Hi Dave:

As far as I understand there is no Statute of Limitations (SOL) on a car repossession, because generally vehicle is considered to be a secured debt. Until you make payments, the lender legally owns the car. However, if you had taken out a vehicle loan, it will fall under the a written contract and SOL is applicable on written contracts.


Yes, there is Statute of Limitations (SOL) on judgments in Arizona. For domestic judgment the SOL is 5 years, and for foreign judgments it is 4 years.

Hope this helps.


Keep in touch Smile

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6419 Magic Points

Posted on Thu Apr 08, 2010 3:07 pm  

5 years is correct but judgments in AZ (as most states) can be renewed so it go forever practically
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW

Joined: 10 Mar 2010
NightStar's page
Posts: 142
Location: Illinois

3176 Magic Points

Posted on Sat Apr 10, 2010 6:08 am  

A statute of limitations on Judgments is showing 10 years, it might be renewable, thus going 20 years. You need to call your local court house to confirm this though.

A judgment can stop you from future mortgage loans, lenders will require these to be paid if you want a home loan. Even if it expires off of the consumer credit report in 7 years on the short report, it can show indefinitely on a FULL report. Full credit reports can be pulled for these reasons:

Mortgage exceeding $150,000
Insurances exceeding $150,000
Employment income exceeding $75,000

Also even if it comes off of the report, some lenders will do a public record search and know of its existence.
Credit Cards
Credit Reporting Information
Credit Repair Info

Subject: auto debt over 10yrs
Posted on Sat Mar 12, 2011 12:10 am  

How do I get the debt collectors off my case its been over 10yrs? I purchased the truck in CA now live in AZ. They keep selling the dept and it seems to start over and over
Kathy Curry

Subject: Automobile Reposession
Posted on Sun Nov 06, 2011 10:04 am  

I had a car reposessed back in 1998. I was self employed for 11 years. I just started a new job a month ago. I just got first full check and my wages were garnished. Is there a Statute of limitations in the state of arizona?

Subject: xsCItCezydbLS
Posted on Tue Aug 05, 2014 5:18 pm  

vT3t0I Appreciate you sharing, great blog article.Thanks Again. Awesome.

Quick Reply
Your Name
Message body
Page 1 of 1

Delete this topic Move this topic Lock this topic Split this topic 

Page loaded in 0.076 seconds.