Arizona Statute of Limitations for Debt Collection
In Arizona, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: Ariz. Rev. Stat. §§ 12-543, 12-548.
- Written debts: 6 years. Oral debts: 3 years.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
Written debts: 6 years. Oral debts: 3 years.
General Arizona Rules
Arizona distinguishes between written and oral contracts with a significant difference in limitation periods (6 vs. 3 years). The discovery rule applies to fraud and certain latent injury claims. Tolling applies for minors and persons of unsound mind.
Other Statutes of Limitations in Arizona
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in Arizona?
The statute of limitations for debt collection in Arizona is 6 years. Citation: Ariz. Rev. Stat. §§ 12-543, 12-548.
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When does the clock start for debt collection in Arizona?
Written debts: 6 years. Oral debts: 3 years.
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Can the statute of limitations for debt collection be extended in Arizona?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.