Oral debt; stated or open account; relief on ground of fraud or mistake;
- 3 Years
- Open Accounts.:
New 6 year SOL for credit cards :
- July 20, 2011
- ARS 12-548. Contract in writing for debt; six year limitation; choice of law
- A. An action for debt shall be commenced and prosecuted within six years after the cause of action accrues, and not afterward, if the indebtedness is evidenced by or founded on either of the following:
- 1. A contract in writing that is executed in this state.
- 2. A credit card as defined in section 13-2101, paragraph 3, subdivision (a).
- Oral Contracts; §12-543
three year limitation
- There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions:
- 1. For debt where the indebtedness is not evidenced by a contract in writing.
- 2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon.
- 4 Years
- Written Contract: outside Az
- 6 Years
- Written Contracts; in Az. §12-548
Special note: A 1 year residency is required in Arizona before the shorter SOL can be used if you have moved from a longer SOL State
§12-507. Action against person removing to this state
No demand against a person who removes to this state, incurred prior to his removal,
shall be barred by the statute of limitation until he has resided in this state one year,
unless barred at the time of his removal to this state by the laws of the state or country from which
NOTE; AN ARIZONA JUDGMENT IS FOR 5 YEARS AND MUST BE RENEWED BEFORE THE END OF THE 5 YEAR TERM
The new "credit card" 6 year SOL is effective ONLY for credit cards obtained within the State of Arizona, otherwise the 4 year SOL applies.
Only accounts that accrued ( defaulted) after July 20, 2011 are affected. However, if you are sued, you will need a lawyer.
Sysco Ariz., Inc. v. Hoskins - 6/10/2014
Arizona Court of Appeals Division One Holds That Recording an Unsigned Minute Entry Does Not Create a Valid Judgment Lien
Under Arizona’s Judgment Lien Statute, A.R.S. § 33-961.
CASE LAW FOR 3 YEAR SOL- PLUS LINK TO ARIZONA CONSUMER ATTORNEY
LINK TO APPEAL COURT DECISION 3 YEAR SOL
ARIZONA REVISED STATUTES
ARIZONA CREDIT LAWS