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For closed installment accounts, the statute of limitations runs 6 years after the final payment date. For open accounts, such as credit cards, the statute of limitations begins 6 years from the first uncured missed payment, whether or not there is an acceleration clause.

InCharge provides free, nonprofit credit counseling and debt management programs to Arizona residents. If you live in Arizona and need help paying off your credit card debt, InCharge can help you.

Debt relief refers to measures to reduce or refinance debt in order to make it easier for the borrower to repay it. Options for debt relief include forgiving a portion of the debt, lowering the interest rate, stretching payments over a longer period, or consolidating multiple debts into a single, lower-interest one.

Debt relief refers to a variety of solutions designed to help make your payments more affordable so that you can ultimately become debt-free. It might include a replacement loan that lowers your interest rate or modifies your repayment term, or you may even see a reduction of the total amount you owe.

Arizona law has requirements for the Principal, witness, Attorney in Fact, Notary, as well as the Power of Attorney form. These requirements may differ from those in other states.

A person (usually a parent or guardian) signs a Parental Power of Attorney in front of a notary to give a trusted and willing person (Attorney-in-Fact or Agent) power to act in place of the parent or guardian. The parent or guardian in this case is called the Principal. A Parental Power of Attorney must be notarized.