Collections Demand Letter - Arizona

DEMAND FOR PAYMENT LETTER

Choose the applicable letter below before sending.

Sender gate. Use the general letter below only after reviewing the sender, debt, agreement and governing law. If a covered debt collector is collecting a consumer debt, use the separate validation notice in Section B and confirm every required field and state disclosure. Do not send both letters to the same recipient as one form.

SECTION A — GENERAL PAYMENT DEMAND

Preparation and authority gate

Account reconciled through: [__/__/____]

Counsel / authorized reviewer: [________________________________]

Arizona interest, fee, and claim-classification check

A.R.S. § 44-1201(A)(2) states a 10% annual rate for a loan, indebtedness, or obligation other than medical debt, unless the parties contracted in writing for a different rate. Subsection (A)(1) limits medical-debt interest to the lesser of the specified one-year Treasury yield or 3% annually. Judgment interest has separate rules in subsection (B). Identify the debt, writing, governing law, rate, and accrual before inserting an interest charge.

A.R.S. § 12-548(A) gives six years from accrual for an action for debt founded on a written contract executed in Arizona or a qualifying credit card. It is not a six-year rule for every account. Check actual accrual and any other applicable limitation before threatening suit. Section 12-341.01(A) allows a court to award reasonable attorney fees to the successful party in a contested contract action; it does not make fees automatically due with this letter.

Reviewed Arizona claim category, accrual, limitation, and exception: [________________________________]

Reviewed interest authority, rate, accrual date, and amount: [________________________________]

Execution review: A.R.S. § 33-1126(A)(9) protects the statutory amount in a single financial-institution account, adjusted annually. Do not threaten bank seizure without reviewing current exemptions and process.

Demand letter

Re: Demand for Payment Under [UNDERLYING AGREEMENT]

Date: [DATE]

To:
[DEBTOR NAME]
[DEBTOR ADDRESS]

From:
[CREDITOR NAME]
[CREDITOR ADDRESS]

Underlying agreement or transaction: [TITLE / DATE / REFERENCE]

Dear [DEBTOR OR REPRESENTATIVE]:

Our records show the following account as of [DATE]:

Principal claimed: $[________________________________]

Interest, late charges, fees, costs, or taxes claimed only under the reviewed authority:

Total amount demanded as of [DATE]: $[________________________________]

Please pay the amount shown above by [DATE], if that response date is supported by the completed review, using the verified payment instructions supplied through [SECURE METHOD].

If you dispute an entry or claim a payment, credit, return, offset, defense, or other adjustment, please send the supporting records to [CONTACT / ADDRESS / SECURE METHOD] by [DATE]. We will not treat silence in response to this letter alone as a new promise to pay.

If the amount cannot be paid as requested, you may submit a written proposal. No proposal changes the account or resolves a claim unless accepted through an authorized written agreement.

Route any instrument or communication marked “payment in full,” “full settlement,” or similar language to authorized counsel or personnel before acceptance, deposit, or processing. This letter does not determine the legal effect of a conditional payment.

If the matter is not resolved, the sender will evaluate any next step permitted by the reviewed documents and governing law. This letter does not represent that default, acceleration, interest, fees, damages, a lien, attachment, suit, or another remedy is automatic.

This letter does not purport to amend the underlying documents, create a new covenant, or select a new forum. The effect of any communication or payment is governed by the applicable law and facts.

Sincerely,

[CREDITOR NAME]

By: _____________________________________
Name: [AUTHORIZED SIGNATORY]
Title: [TITLE]
Date: _________________

Attachments: [ACCOUNT STATEMENT / INVOICES / AGREEMENT EXCERPT / OTHER]

Additional basis and supporting record: [GOODS DELIVERED / SERVICES PERFORMED / NOTE / GUARANTY / OTHER; DATE AND EXHIBIT]

Delivery method and proof: [________________________________]

Copies: [________________________________]

SECTION B — CONSUMER DEBT COLLECTOR VALIDATION NOTICE AND PAYMENT REQUEST

Use this paper letter only when the sender, consumer, and debt meet the definitions in 15 U.S.C. § 1692a and a validation notice is due under § 1692g and 12 C.F.R. § 1006.34. For an Arizona account, check the interest, fee, limitation, and exemption categories above and any state-required disclosure before using the payment request. The sender must check the account, state disclosures, delivery restrictions, cease-contact requests, attorney representation, bankruptcy, and any time-barred status before mailing. Do not use a payment deadline or threat that overshadows validation rights; do not threaten action that is unavailable or unintended. If the notice will be sent electronically, obtain review of the additional delivery and response requirements before adapting it.

Date: [__/__/____]

From debt collector: [LEGAL OR TRADE NAME]

Collector mailing address for disputes and original-creditor requests: [STREET, CITY, STATE, ZIP]

To consumer: [FULL NAME]

Consumer mailing address: [STREET, CITY, STATE, ZIP]

Account number on itemization date, if any: [NUMBER OR RECOGNIZABLE TRUNCATION]

Current creditor: [NAME]

Creditor on itemization date, if this debt concerns a consumer financial product or service: [NAME]

Debt information

Validation period end date: [__/__/____]. Calculate this date under 12 C.F.R. § 1006.34(b)(5): 30 days after actual or permitted assumed receipt of the validation information. Verify the calculation before mailing.

This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Please pay $[CURRENT AMOUNT] using [VERIFIED PAYMENT METHOD AND ADDRESS], if you choose to pay. You may use the validation period to dispute the debt or request original-creditor information. This request does not shorten that period, and collection activity during it must not overshadow those rights.

If you notify us in writing on or before [VALIDATION PERIOD END DATE] that you dispute this debt or any part of it, we must stop collecting the disputed amount until we send you verification of the debt or a copy of a judgment. If you request in writing on or before that date the name and address of the original creditor, we must stop collection until we send that information. If the original and current creditors are the same, we may instead tell you that in writing and refer you to the validation information already provided.

If you do not contact us to dispute the debt by [VALIDATION PERIOD END DATE], we will assume the debt is valid. Your failure to dispute it is not an admission of liability in court.

For a debt related to a consumer financial product or service, more information about debt collection protections is available at www.cfpb.gov/debt-collection.

Required Arizona disclosure, if any: [INSERT CURRENT TEXT AFTER REVIEW]

Collector phone for payment questions: [PHONE]

How do you want to respond?

Check all that apply:

☐ I want to dispute the debt because I think:

☐ This is not my debt.

☐ The amount is wrong.

☐ Other (please describe on reverse or attach additional information): [DETAILS]

☐ I want you to send me the name and address of the original creditor.

From consumer: [NAME AND MAILING ADDRESS]

To debt collector: [NAME AND DISPUTE / ORIGINAL-CREDITOR MAILING ADDRESS]