The information on this page may be helpful if a creditor files a lawsuit against you, but it is not a substitute for legal advice. Where to Find an Attorney for Specific Legal Advice.Arizona has three legal aid organizations which cover different regions of the state. Lawyer's Assistant: Have you already taken out a pawn shop auto title loan in Arizona and are wondering about the time limit for legal action? We are a debt relief agency helping people file for bankruptcy under the U.S. Bankruptcy Code. If you're considering bankruptcy as a way to handle your title loan, it's a good idea to consult a bankruptcy attorney. Would i need to seek out a lawyer here or is this something you could help me with? If you fail to make your scheduled payments, a loan creditor may file a lawsuit against you to obtain a judgment. Phoenix Title Loans is here to offer title loans to pay legal bills and more.