Arizona · State law

Arizona Collection Agencies Law

Arizona licenses collection agencies, and the rules matter to homeowners in two ways. If your association hands unpaid assessments to a third-party collector, that collector is regulated here — though attorneys are expressly carved out of most of the conduct rules, which surprises people. And if a board collects in a name that suggests an outside agency is involved, the association can become a collection agency itself, with its officers personally on the hook. The full statutory text, hosted for reference, with a plain-language guide for homeowners.

A.R.S. A.R.S. Tit. 32 · Ch. 9 §§ 32-1001 – 32-1057 15 Sections
What this means for homeowners

Arizona’s Collection Agencies law (A.R.S. § 32-1001 et seq.) is a licensing statute, administered by the Department of Insurance and Financial Institutions (§ 32-1001(3)). It is not a community-association law, but it reaches Arizona associations from two directions: it governs the third-party collector your association hires, and in one specific situation it can sweep in the association itself.

When the association is collecting its own assessments

Start with the definitions, because they decide the question. A “claim” is an obligation owed to another, for which a person is employed to demand payment and collect it (§ 32-1001(1)). A “collection agency” is anyone engaged directly or indirectly in soliciting claims for collection or collecting claims owed or asserted to be owed (§ 32-1001(2)(a)). An association pursuing its own assessments, in its own name, is generally not collecting a claim owed to someone else.

But read subsection (2)(b) before your board sends anything. A collection agency also means —

  • “Any person who, in the process of collecting debts occurring in the operation of the person’s own business, uses any name other than the person’s own name, which would indicate that a third person is collecting or attempting to collect such debts” (§ 32-1001(2)(b)).

The test has two parts, and both must be met: a name other than the association’s own name, and one that indicates a third person is collecting. An in-house desk plainly carrying the association’s own name is not caught; letterhead reading “Desert Ridge Recovery Services” is. A board that sends demand letters under a made-up agency name can turn the association into an unlicensed collection agency. That matters, because operating without a license is a class 1 misdemeanor (§ 32-1056(A)), and an officer or agent of a corporation or association who participates in a violation is personally subject to the same penalties (§ 32-1057(B)). Collect in the association’s own name.

The conduct rules that bind your association’s collector

When an association does hand the debt to a licensed collector, § 32-1051 sets the standards that collector must meet to hold a license. A licensee must not:

  • Chase fees that are not actually owed. Except for licensed attorneys, a licensee may not try to collect a collection fee, attorney fee, court cost or expense unless it is justly due and legally chargeable against the debtor, or has been judicially determined — and may not use unfair or misleading practices or oppressive, vindictive or illegal methods (§ 32-1051(3)). If your association’s collector is stacking fees your declaration does not authorize, this is the provision to read.
  • Send anything that looks like a lawsuit. Again except for licensed attorneys, no notice, letter, message or form that simulates any legal process, is ambiguous about or misrepresents the character, extent or amount of the debt, implies fees may be added when they legally may not be, threatens to sell the debt, or uses the name of or purports to be from any attorney or law firm (§ 32-1051(4)).
  • Pose as a law firm — no letterhead or literature implying the licensee practices law, renders legal advice, or maintains a legal department, again except for licensed attorneys (§ 32-1051(5)).
  • Pose as the government — nothing conveying that the collector is vouched for by, or is an instrumentality of, the state, a political subdivision, or the Department (§ 32-1051(6)).

Section 32-1055 adds more: it is unlawful to run a collection agency without a license (A); a licensee may not aid or take compensation from an unlicensed person (B); may not advertise a claim for sale or threaten to as a way of forcing payment (C); and must account for and pay over what it collects to its client within 30 days of month-end and keep client money on deposit until remitted (D)(1), (2).

Exempt collectors still have to behave

This is the detail most summaries miss. Section 32-1004 exempts sixteen categories of people when acting in the regular course of their business — attorneys-at-law, salaried credit staff, banks and lending institutions, common carriers, title insurers and abstract companies doing escrow, licensed real estate brokers, employees of licensees, utility substation payment offices, certain Title 6 licensees, qualifying accounting, bookkeeping or billing service providers, and several finance- and insurance-sector categories (§ 32-1004(A)(12), (14)–(16)).

But the exemption is not total. By its own terms, those exempt persons “shall comply with the requirements of section 32-1051, paragraphs 2 through 6 and section 32-1055, subsection C and subsection D, paragraphs 1, 2, 3 and 5” (§ 32-1004(A)). But read that cross-reference against the paragraphs it points to. Paragraphs 3, 4 and 5 of § 32-1051 each open “Except for attorneys licensed to practice law.” So directing an exempt attorney to comply with them does no work: the justly-due-fees bar, the simulated-legal-process and misrepresentation rules, and the posing-as-a-law-firm rule do not bind a law firm under this chapter. What the cross-reference does reach is every other exempt person — banks, brokers, salaried credit staff, billing services.

So what actually binds the law firm collecting your assessments? Under this chapter: § 32-1051(6) (nothing implying the collector is vouched for by or is an instrumentality of the state, a political subdivision or the Department), and § 32-1055(C) and (D)(1), (2), (3), (5) — no advertising the claim for sale, the client-money and accounting duties, recordkeeping, and no aiding evasion. For the conduct rules people usually have in mind when a law firm is collecting, the federal Fair Debt Collection Practices Act — which does cover collection attorneys — is the operative law, not this chapter.

What about your management company? The billing-service exemption in § 32-1004(A)(13) is narrow: it requires all five of — no contractually past-due accounts at receipt, no contact beyond an initial notice and one written follow-up, no written communication demanding payment, no access to monies paid by debtors, and all debtor communications in the creditor’s name. A management company that takes already-delinquent accounts, sends demand letters, or receives owner payments falls outside it, is not the creditor, and needs a collection-agency license.

Penalties

Operating without a license is a class 1 misdemeanor, and a licensee who violates § 32-1055 or the Department’s rules faces revocation and is also guilty of a class 1 misdemeanor (§ 32-1056). Violations are prosecuted by the county or city prosecutor (§ 32-1057(A)), and — the part boards should note — an officer or agent of a corporation or association who participates in the violation is personally subject to those penalties (§ 32-1057(B)). License denial, revocation and suspension are governed by § 32-1053, including revocation for having “violated any applicable law, rule or order” (§ 32-1053(A)(2)).

What this chapter does not give you is a lawsuit of your own. Chapter 9 creates no private right of action — enforcement runs through the Department of Insurance and Financial Institutions, which can deny, suspend or revoke a collector’s license, and through the county or city prosecutor. File a collection-agency complaint with the Department. The federal FDCPA route below is the one that gives a homeowner a remedy in their own name.

What this chapter does not do

It is a licensing and conduct statute, not a general debt-collection remedies act, and it does not set the rules for whether your association may assess or foreclose. Those come from the Condominium Act and the Planned Communities Act — including their limits on when a lien may be foreclosed at all. Separately, the federal Fair Debt Collection Practices Act applies to third-party collectors and gives homeowners their own private remedy; complaints can go to the Consumer Financial Protection Bureau, the Federal Trade Commission, or the Arizona Attorney General.

How it fits with Arizona’s other community laws

Your community’s own rules come from the Condominium Act or the Planned Communities Act, with corporate machinery in the Nonprofit Corporation Act and discrimination questions under the Arizona Civil Rights Act. Arizona also offers an administrative hearing process for condominium and planned community disputes. Return to the Arizona HOA laws hub for the full set.

Source. Reproduced from the official text of the Arizona Revised Statutes, as published by the Arizona State Legislature and retrieved in September 2025, A.R.S. § 32-1001 et seq. (the “Arizona Collection Agencies Law”), via the Arizona State Legislature. Provided for reference and convenience; it may not reflect the most recent amendments, so always confirm the current text against the official source.
Contents · 15 sections
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§ 32-1001 Definitions

In this chapter, unless the context otherwise requires:

1. "Claim" means an obligation for the payment of money or its equivalent and a sum or sums owed, due or asserted to be owed or due to another, for which a person is employed to demand payment and collect or enforce such payment, and includes:

(a) Obligations for the payment of money to another, in the form of conditional sales agreements, notwithstanding the personal property sold thereunder, for which payment is claimed or may be or is repossessed in lieu of payment.

(b) An obligation for the payment of money or its equivalent and a sum or sums owed, due or asserted to be owed or due that is sold or assigned to a purchaser or assignee for which either:

(i) The final payment has not been tendered to the seller or assignor.

(ii) Title has not yet passed.

(iii) The purchaser or assignee has a right of recourse against the seller or assignor.

2. "Collection agency" means:

(a) All persons engaged directly or indirectly in soliciting claims for collection or in collection of claims owed, due or asserted to be owed or due.

(b) Any person who, in the process of collecting debts occurring in the operation of the person's own business, uses any name other than the person's own name, which would indicate that a third person is collecting or attempting to collect such debts.

3. "Department" means the department of insurance and financial institutions.

4. "Deputy director" means the deputy director of the financial institutions division of the department of insurance and financial institutions.

5. "Financial institution" means a person who does business under any other law of this state or law of another state or the United States relating to banks, trust companies, savings and loan associations, credit unions and savings banks.

6. "Person" means an individual, firm, partnership, association or corporation.

§ 32-1004 Exemptions

A. The following persons are exempt from this chapter when engaged in the regular course of their respective businesses but shall comply with the requirements of section 32-1051, paragraphs 2 through 6 and section 32-1055, subsection C and subsection D, paragraphs 1, 2, 3 and 5:

1. Attorneys-at-law.

2. A person regularly employed on a regular wage or salary in the capacity of credit person or a similar capacity, except as an independent contractor.

3. Banks, including trust departments of a bank, fiduciaries and financing and lending institutions.

4. Common carriers.

5. Title insurers, title insurance agents and abstract companies while doing an escrow business.

6. Licensed real estate brokers.

7. Employees of licensees under this chapter.

8. Substation payment offices employed by or serving as independent contractors or public utilities.

9. A person licensed pursuant to title 6, chapter 7.

10. A person licensed pursuant to title 6, chapter 9.

11. A person licensed pursuant to title 6, chapter 14, article 1.

12. A participant in a finance transaction in which a lender receives the right to collect commercial claims due the borrower by assignment, by purchase or by the taking of a security interest in those commercial claims.

13. An accounting, bookkeeping or billing service provider that complies with all of the following:

(a) Does not accept accounts that are contractually past due at the time of receipt.

(b) Does not initiate any contact with individual debtors except for the initial written notice of the amount owing and one written follow-up notice.

(c) Does not give or send to any debtor a written communication that requests or demands payment.

(d) Does not receive or have access to monies paid by debtors or their insurers.

(e) All communications with the debtors are done in the name of the creditor.

14. A person collecting claims owed, due or asserted to be owed or due to a financial institution of which the deposits are insured by an agency of the federal government, or any affiliate of the financial institution, if the person is related by common ownership or affiliated by corporate control with the financial institution and collects the claims only for the financial institution or any affiliate of the financial institution.

15. A person who is licensed pursuant to title 20, chapter 2, article 3, 3.1, 3.2, 3.3 or 3.5 and who is authorized to collect premiums under an insurance policy financed by a premium finance agreement as defined in section 6-1401.

16. A person that is licensed pursuant to title 20, chapter 2, article 9, that is authorized to act as an administrator for an insurer as defined in section 20-485 and that collects charges pursuant to section 20-485.09, subsection B.

B. For the purposes of subsection A, paragraph 12 of this section:

1. A transaction shall not be deemed a finance transaction if the primary purpose is to facilitate the collection of claims.

2. Commercial claim does not include an account arising from the purchase of a service or product intended for personal, family or household use.

C. For the purposes of subsection A, paragraph 13, subdivision (b) of this section, the initial written notice and follow-up notice may contain only the following information:

1. The name, address and telephone and telefacsimile numbers of the creditor.

2. The amount due and an itemization of that amount.

3. The date payment is due.

4. The address or place where payment is to be made.

5. If the payment is past due, that payment is past due.

D. For a person who is exempt under subsection A, paragraph 14 of this section, the deputy director shall investigate complaints of residents of this state relating to any violations of section 32-1051, paragraphs 2 through 7 or section 32-1055, subsection C or subsection D, paragraph 1, 2, 3 or 5 and may examine the books, accounts, claims and files of a person that relate to the complaint. A person who is exempt and who violates section 32-1051, paragraphs 2 through 6 or section 32-1055, subsection C or subsection D, paragraph 1, 2, 3 or 5 is subject to sections 6-132, 6-136 and 6-137.

§ 32-1021 Original application for license; financial statement; bond; definition

A. A person desiring to conduct a collection agency shall make an original application to the department on forms prescribed by the deputy director setting forth verified information to assist the deputy director in determining the applicant's ability to meet the requirements of this chapter.

B. An application for an original or a renewal license shall be accompanied by:

1. A financial statement in the form provided in section 32-1022, showing the applicant's assets and liabilities and truly reflecting the applicant's net worth in cash or its equivalent.

2. A bond in the form provided in section 32-1022, computed on a base consisting of the gross annual income of the licensee generated from all business transacted in this state by the licensee during the preceding year, in the minimum amount as follows:

Base Minimum Bond

Not over $250,000 $10,000

$250,001 to $500,000 $15,000

$500,001 to $750,000 $25,000

$750,001 and over $35,000

C. The deputy director may require from all applicants additional information that the deputy director deems necessary in determining whether the applicant is entitled to the license sought.

D. For the purposes of this section, "all business transacted in this state" includes:

1. The collection of debts from debtors who reside in this state, regardless of where the licensee is located.

2. The collection of debts made from an office in this state, regardless of where the debtor resides.

3. The collection of debts made on behalf of creditors who reside in this state, regardless of where the debtor and the collection agent reside.

§ 32-1022 Contents of financial statement; bond provisions

A. The financial statement required by section 32-1021 shall be sworn to by the applicant, if the applicant is an individual, or by a partner, director, manager or treasurer in its behalf if the applicant is a partnership, corporation or incorporated association. The information in the financial statement shall be confidential and is not a public record.

B. The bond shall run to the people of the state and shall be executed and acknowledged by the applicant as principal and by a corporation, licensed by this state to transact fidelity and surety insurance business, as surety. The bond shall be continuous in form and shall remain in full force and effect at all times while holding a license. The bond shall be conditioned that the applicant, within thirty days after the last day of the month in which a collection is made, shall make an account of and pay to the client the proceeds collected for the client by the applicant, less charges for collection in accordance with the agreement between the applicant and client, but when the amount due the client is less than $5, payment may be deferred for an additional thirty days.

C. Any surety company intending to withdraw as surety of any licensee shall give sixty days' notice of such intention to the deputy director, which notice shall be by registered mail and shall also give sixty days' notice by registered mail to the licensee addressed to the licensee's last known address. When a surety shall for any cause cancel the bond of any licensee, the deputy director shall immediately notify such licensee by registered mail addressed to the licensee's last known address as shown by the files of the department. The license of any licensee shall be void unless, prior to the termination, a new bond has been filed with the department. A licensee changing the licensee's surety shall file a new bond with the department with a surety on the new bond meeting the qualifications of this section.

D. Notwithstanding section 35-155, in lieu of the bond described in this section, an applicant for a license or renewal of a license may deposit with the deputy director a deposit in the form of cash or alternatives to cash in the amount prescribed under section 32-1021. The deputy director may accept any of the following as an alternative to cash:

1. Certificates of deposit or investment certificates that are payable or assigned to the state treasurer, issued by banks doing business in this state and fully insured by the federal deposit insurance corporation or any successor institution.

2. Certificates of deposit, investment certificates or share accounts that are payable or assigned to the state treasurer, issued by a savings and loan association or savings bank doing business in this state and fully insured by the federal deposit insurance corporation or any successor institution.

3. Certificates of deposit, investment certificates or share accounts that are payable or assigned to the state treasurer, issued by a credit union doing business in this state and fully insured by the national credit union administration or any successor institution.

E. The deputy director shall deposit the cash or alternative to cash received under this section with the state treasurer. The state treasurer shall hold the cash or alternatives to cash in the name of this state to guarantee the faithful performance of all legal obligations of the person required to post bond pursuant to section 32-1021, subsection B. The person is entitled to receive any accrued interest earned from the alternatives to cash. The state treasurer may impose a fee to reimburse the state treasurer for administrative expenses. The fee shall not exceed $10 for each cash or alternative to cash deposit and shall be paid by the applicant for a license or renewal of a license. The state treasurer may prescribe rules relating to the terms and conditions of each type of security provided by this section.

F. In addition to such other terms and conditions as the deputy director prescribes by rule or order, the principal amount of the deposit shall be released only on written authorization of the deputy director or on the order of a court of competent jurisdiction. The principal amount of the deposit shall not be released before the expiration of three years after the first to occur of any of the following:

1. The date of substitution of a bond for a cash alternative.

2. The surrender of the license.

3. The revocation of the license.

4. The expiration of the license.

G. A suit may not be commenced on a bond or cash or alternatives to cash later than three years following the act or acts on which the suit is based, except that for claims of fraud or mistake, the period of limitations shall be measured as prescribed in section 12-543, paragraph 3.

§ 32-1023 Qualifications of applicants

A. An applicant for a license issued under this chapter shall:

1. Be a citizen of the United States.

2. Not have been convicted of a crime involving moral turpitude.

3. Not have defaulted on payment of money collected or received for another.

4. Not have been a former licensee under this chapter whose license was suspended or revoked and not subsequently reinstated.

B. If the applicant for a license is a firm, partnership, association or corporation, the qualifications required by subsection A of this section shall be required of the individual in active management of the firm, partnership, association or corporation.

C. When a licensed agency ceases to be under the active management of a qualified person, as defined in rules, notice of this fact shall be given to the deputy director within ten days. The licensee shall have ninety days after the termination of the services of the acting manager to replace the qualified person and notify the deputy director of the qualified replacement. If the agency is not placed under the active management of a new qualified person and notice is not given to the deputy director within the ninety-day period, the license of the agency expires unless a provisional license has been granted under section 32-1027.

§ 32-1024 Licensing out of state collection agents

32-1024. Licensing out-of-state collection agents

The deputy director shall issue a license to operate a collection agency to a person who holds and presents with the person's application a valid and subsisting license to operate a collection agency issued by another state or an agency of another state if:

1. Requirements for securing the license were, at the time of issuance, substantially the same or equal to requirements imposed by this chapter.

2. The state concerned extends reciprocity under similar circumstances to licensed collection agents of this state.

3. The application is accompanied by the fees and financial and bonding requirements set forth in this chapter.

§ 32-1025 Annual renewal of license; suspension; expiration

A. Except as provided in section 32-4301, a person desiring to secure renewal of a collection agency license shall file a financial statement, make a renewal application to the department and pay the fees prescribed in section 6-126 not later than December 31 of each year on forms prescribed by the deputy director setting forth verified information to assist the deputy director in determining whether the applicant is in default of or in violation of the terms of this chapter and whether the applicant is still meeting the requirements of this chapter. If the renewal applicant is unable to make a financial statement at the time of filing the application, the applicant may make a written request for an extension of time to file such financial report, and if the extension is granted the applicant shall file a financial statement not later than March 1.

B. Licenses that are not renewed on or before December 31 are suspended by operation of law. A licensee may renew a suspended license by submitting to the department the fees prescribed in section 6-126 along with a renewal application and any applicable late fee, as may be determined by the deputy director by rule, before January 31. Licenses that are not renewed on or before January 31 expire.

§ 32-1026 Issuance of licenses

A. On receipt of an original application accompanied by the fees prescribed in section 6-126 and the financial statement and bond required by this chapter, the deputy director shall investigate the qualifications of the applicant and, if the applicant meets the qualifications of this chapter, shall approve the application. If the application is approved, the license shall be promptly issued to the applicant.

B. A license issued under this chapter shall not be transferable or assignable and control of a license may not be acquired through a stock purchase or other device without the prior written consent of the deputy director. Consent shall not be given if the deputy director finds that the acquiring person does not meet the qualifications of this chapter. For purposes of this subsection, "control" means the power to vote more than twenty percent of the outstanding voting shares of a licensed corporation, partnership, association or trust.

§ 32-1027 Issuance of provisional license for limited purposes

In the event of the death of an individual licensee, dissolution of a licensee partnership by death or operation of law, or termination of employment of the active manager if the licensee is a firm, partnership, association or corporation, if it is shown that the financial and bonding requirements of this chapter have been met, the deputy director shall issue without fee a provisional license to the personal representative of the deceased or the deceased's appointee, to the surviving partners, or to the firm, association or corporation, as the case may be, which shall be valid for the following purposes only and expire at the following times:

1. A provisional license issued to a personal representative or the personal representative's appointee shall expire one year from the date of issuance and shall not be subject to renewal. Authority of the provisional licensee shall be limited to those activities deemed necessary to wind up the business of the former licensee.

2. Other provisional licenses shall expire three months after the date of issuance unless the provisional licensee within such period can qualify for a full license.

§ 32-1028 Fees

Every original or renewal application shall be accompanied by the fees prescribed in section 6-126.

§ 32-1051 Duties of licensees

An individual, firm, partnership, association or corporation to whom a license is to be issued under this chapter shall:

1. Meet the financial responsibility and bonding requirements of this chapter.

2. Not have been a former licensee under this chapter whose license was suspended or revoked and not subsequently reinstated.

3. Except for attorneys licensed to practice law, not attempt to collect any collection fee, attorney fee, court cost or expenses unless the fees, charges or expenses are justly due from and legally chargeable against the debtor or have been judicially determined. A licensee may not engage in any unfair or misleading practices or resort to any oppressive, vindictive or illegal means or methods of collection.

4. Except for attorneys licensed to practice law, not give or send to any debtor, or cause to be given or sent to any debtor, any notice, letter, message or form that:

(a) Simulates any legal process.

(b) Is ambiguous as to or misrepresents the character, extent or amount of the obligation of the debtor.

(c) Represents or implies that the existing obligation of the debtor may be increased by the addition of attorney fees, investigation fees, service fees or any other fees or charges when in fact these fees or charges may not legally be added to the existing obligation of the debtor.

(d) Threatens to sell the obligation of the debtor to any person, firm or group.

(e) Uses or sets forth the name of or purports to be from any attorney at law or legal firm.

5. Except for attorneys licensed to practice law, not use any letterhead or literature bearing any heading, slogan or statement representing or implying that the licensee practices law, renders legal services or advice or maintains a legal department.

6. Not use any letterhead, advertisement, agreement, form, circular or other printed matter, or otherwise, to convey the impression that the individual, firm, partnership, association or corporation is vouched for or is an instrumentality of this state, a political subdivision of this state or the department.

§ 32-1053 Denial, revocation or suspension of license

A. The deputy director may deny a license to a person or suspend or revoke a license pursuant to title 41, chapter 6, article 10 if the deputy director finds that an applicant or licensee:

1. Is insolvent as defined in section 47-1201.

2. Has violated any applicable law, rule or order.

3. Has been convicted in any state of any felony or other crime involving breach of trust or dishonesty.

4. Has had an order entered against the applicant or licensee by an administrative agency of this state, the federal government or any other state of the United States and that order is based on conduct involving fraud, deceit or misrepresentation by the licensee or applicant.

5. Has made a material misstatement or omission on the application for a license or on any document required to be filed with the deputy director.

B. It is sufficient cause for the denial, suspension or revocation of a license if an officer, director, partner, employee or controlling person of the collection agency has acted or failed to act in a manner that would be cause for denial, suspension or revocation of a license. For purposes of this subsection, "controlling person" means a person who owns more than a twenty percent equity interest in the collection agency and has the power to actively participate in the conduct of the collection agency.

§ 32-1055 Unlawful acts

A. It is unlawful for a person to conduct a collection agency in this state without having first applied for and obtained a license under this chapter.

B. A collection agency licensed under this chapter shall not directly or indirectly aid, abet or receive compensation from an unlicensed person. Nothing in this chapter shall prevent a licensed agency from accepting, as forwardee, claims for collection from a collection agency or attorney whose place of business is outside this state.

C. A licensee shall not advertise a claim for sale or threaten to so advertise a claim as a means of endeavoring to enforce payment, nor shall a licensee agree to do so for the purpose of soliciting claims. This subsection shall not be deemed to affect a licensee acting as assignee for the benefit of a creditor or acting under a court order.

D. It is unlawful for a person conducting a collection agency in this state to:

1. Fail to render an account of and pay to the client for whom collection has been made the proceeds collected, less collection charges as agreed to by the person and the client, within thirty days from the last day of the month in which the proceeds were collected. If the amount due the client is less than five dollars, payment may be deferred for an additional thirty days.

2. Fail to deposit with a local depository all monies collected by the person and due to the person's clients, and to fail to keep these monies deposited until these monies or equivalent amounts are remitted to the person's clients. Notwithstanding this paragraph, if a person conducting a collection agency does not maintain an office in this state, the person may deposit and keep these monies in a depository in a state where the person maintains the person's principal office.

3. Fail to keep a record of monies collected and the remittance of these monies.

4. Fail to notify the department within ten days of any change of name under which the person does business as a collection agency or address at which the person conducts business.

5. Aid or abet, directly or indirectly, any person, persons or organizations in evading or violating any of the provisions of this chapter.

§ 32-1056 Violation; classification

A. A person operating a collection agency without a license shall be guilty of a class 1 misdemeanor.

B. A licensee violating the provisions of section 32-1055 or the rules and regulations adopted pursuant to this chapter shall be subject to revocation of license and shall be guilty of a class 1 misdemeanor.

§ 32-1057 Prosecution of violations; individual liability

A. The prosecuting officer of a county or city shall prosecute all violations of this chapter occurring within his jurisdiction.

B. An officer or agent of a corporation or association participating in a violation of this chapter by such corporation or association shall be subject to the penalties prescribed by section 32-1056 for an individual.

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General information, not legal advice. Statutory text is reproduced from the official Arizona source and may not reflect the most recent amendments.