Pratical Debt Relief

Arizona Debt Settlement & Debt Relief programs

Call 888-839-3574 for your free Arizona Debt Settlement quote today!

Become Debt Free in as little as 12–36 months!
Cut your payments in half with our Arizona Debt Relief Program!
Reduce and even eliminate those harassing creditor phone calls!
1 Lower Monthly Payment!

Debt Reduction Begins Here

Practical Debt Relief does not offer or constitute legal advice. For legal advice regarding your situation, please contact a licensed attorney in the state of Arizona.


Arizona’s estimated population in 2009 was 6,595,778, according to Census.gov. On TransUnion’s courtesy quarterly report for the first quarter of 2010, Arizona is the fifteenth state with the highest average credit card debt, approximately $5,320. With numbers like these its now wonder why so many consumers are seeking debt settlement and debt relief services in the state of Arizona. When a consumer defaults on their unsecured debt (e.g. credit card, medical bill, personal loan, line of credit, etc.), the creditor has a right to sue the borrower in an attempt to collect that debt. We can provide the type of credit card debt relief that every resident has the right to know about.

According to CarreOnAndAssociates.com a creditor in Arizona can sue you within 3 or 6 years upon entry of default on open book accounts and written contracts respectively. If the borrower isn’t scared enough by the legal process to arrange payments on their debt the creditor will attempt to obtain a judgment, so that they can then attach the debtor’s assets to it. After obtaining a judgment which is valid for 5-10 years and can accumulate interest of up to 10% according to CarreOnAndAssociates.com, The Credit Card Company can then use it to initiate garnishment execution by putting a lien on real property, garnishing bank account or salary of as much as 25% of disposable income out of every pay check. Since Arizona is considered a community property state according to Fairmark.com, creditors can garnish spouse’s assets as well for another spouse’s debt. For example, Mary has a credit card in her name only, which she stopped paying and abandoned. Let’s assume that her disposable income is $2,000 per month. She is married to Steve, who makes $2,000 per month after taxes. This means that if Mary’s Credit Card Company sues her and wins, they can go after her AND her husband’s salary, garnishing up to 25%, which is $1,000 per month in this case, from their collective income. In order to avoid it there are several avenues that can be pursued:

●   The first is Debt Settlement often referred to as Debt Relief or Debt Negotiation. Debt Settlement can be reached at nearly any stage of an account’s delinquency and regardless of an account’s status. While it might appear a good idea to do attempt debt negotiation yourself, your creditors and collectors know you feel responsible and emotionally attached to your debt. They WILL use all sorts of scare tactics in order to push you into accepting an offer that is in most cases much higher that a certified debt arbitrator could negotiate for you. All arbitrators at Practical Debt Relief, Inc. are experienced professionals, certified by I.A.P.D.A (www.iapda.org).

●   Fighting your creditor in court. While it is recommended to answer every lawsuit, the most important part is answering it CORRECTLY. Another option is to try and fight your creditor in court. According to Newsaic.com, 97% of the cases never make it to trial. This is because most consumers are either too scared to answer the summons due to lack of knowledge on the subject, or because they answered incorrectly. Such cases will result in default or summary judgment. Our research department will be glad to assist you by providing research and study materials to increase your chances of dismissing this case.

●   Binding Arbitration. This is an option subject to almost every cardholder agreement. Once private arbitration is elected, all court proceedings have to be stayed. This can often be very costly to a creditor, creating a delay in collecting their fund, and is often not worth it for them to pursue. Our research department is able to educate you on this subject as well.

While deciding on the most convenient way to resolve your debt and receiving the proper debt help please keep in mind that the best results will always be achieved if a third party professional represents you. Check out the results of some of our negotiations with creditors here: Case Studies


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I didn’t think it was possible to cut my debt by over half. The stress of the phone calls and loss of credit was causing my blood pressure to skyrocket. Now, I feel much more relaxed and know I am on the plan to success. Thank you Practical Debt Relief.
Bill, Florida

Thanks for your hard work and being so patient with my Crazy Debt Situation. I am sleeping better at night because of you.
Nathan, New York

I never knew I had so many options when it came to handling my debt. Thank you Practical Debt Relief for taking me through the process and caring for my situation. The results are fast and impressive.
Kristi, California


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Practical Debt Relief, Inc.
5210 S University Dr Suite 104 Davie, Fl 33328
● Phone: # 888-839-3574 ● Fax: # 888-853-7651