Arizona Collection Agencies Law
Arizona's statute governing collection agencies — how they are licensed, regulated, and held accountable, including agencies an association hires to collect unpaid assessments.
Title 32, Chapter 9 of the Arizona Revised Statutes governs collection agencies — setting the rules for how they are licensed by the state, what they may and may not do, and how violations are punished.
For homeowners, it matters most when an association hires a third-party collection agency to pursue unpaid assessments: that agency must be licensed under this chapter and must follow its requirements. Federal debt-collection law applies alongside it as well. For an overview of how association debt collection works, see HOPB's HOA debt collection FAQs.
The chapter is organized into the three articles below. Each section number links to the current statute text on the Arizona State Legislature's website.
Article 1 — Administration
Article 2 — Licensing
| Original application for license; financial statement; bond; definition | § 32-1021 |
| Contents of financial statement; bond provisions | § 32-1022 |
| Qualifications of applicants | § 32-1023 |
| Licensing out-of-state collection agents | § 32-1024 |
| Annual renewal of license; suspension; expiration | § 32-1025 |
| Issuance of licenses | § 32-1026 |
| Issuance of provisional license for limited purposes | § 32-1027 |
| Fees | § 32-1028 |
Article 3 — Regulation
| Duties of licensees | § 32-1051 |
| Denial, revocation or suspension of license | § 32-1053 |
| Unlawful acts | § 32-1055 |
| Violation; classification | § 32-1056 |
| Prosecution of violations; individual liability | § 32-1057 |