http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/index.html LawInfo - Legal Resource Center offers free Arizona Collections-Creditors Rights legal forms and free Arizona Collections-Creditors Rights legal documents that is designed to help consumers and businesses resolve their legal issues http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/can-a-creditor-ask-a-debtor-to-reaffirm-a-deb.html Yes, this means that the creditor is asking that the debtor pay the debt anyway, even after it has been discharged. A debtor may be willing to do this if there is a co­signer or guarantor of the debt (such as a family member, friend or employer) that the debtor does not wish to leave saddled with the debt. Also, a debtor may want to reaffirm a debt in order to avoid having a secured creditor take the collateral provided for the debt. A creditor may also ask a debtor to reaffirm the debt before he (the creditor) will agree to do business with the debtor again. Arizona Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/how-are-money-judgments-enforced.html "Voluntary" Compliance ­ Very often a judgment debtor will pay the money owed to a judgment creditor and thus satisfy the money judgment. If the judgment debtor does not pay, the judgment creditor should contact him/her and ask for payment. Sometimes a simple telephone call or a short letter yields results; sometimes a lien or execution is required. Arizona Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/what-is-a-judgment-lien.html A judgment is the formal decision of a court. It is impossible here to determine what the meaning of a judgment is without seeing it, but it is reasonable to assume that the court has decided that you owe a creditor some money. When the judgment is recorded, it can become a lien on real property that you own. If you have real property (such as a house) that is exempt as your homestead ($100,000 is equity in your home is exempt under Arizona law), you would want to file a Complaint to Avoid a Judgment Lien. If you do not have any property to which the lien may attach, the filing of the complaint would not have any effect. Arizona Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/what-is-a-levy-and-execution.html A levy is a legal method that a creditor may use to seize (take) property that you own. Most commonly a levy refers to an action by IRS or the state tax agency (Arizona Department of Revenue here) to take something from you. Seizure of property to satisfy a judgment would ordinarily be referred to as "execution," since the sheriff is executes the judgment by taking the property from you for it to be liquidated to pay the creditor. Arizona Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/what-is-a-wage-garnishment.html It is a form of execution and levy, a legal process of enforcing a money judgment by directing the employer of a judgment debtor to pay a portion (typically up to 25% for a money judgment or up to 50% pursuant to a order of payment of support) of wages earned by the judgment debtor directly to the judgment creditor. Arizona Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Arizona/who-is-the-judgment-creditor.html A judgment creditor is the party in whose favor a money judgment was issued and is entitled to enforcement of the judgment through liens, execution and levy. 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