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Home/Attorneys/Ray Law Firm
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- Attorneys in Phoenix, | CGMIMM

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2375 East Camelback Road, Phoenix, AZ, 85016

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+1-602-558-9934
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2375 East Camelback Road
Phoenix, AZ 85016
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Wage Garnishment Defense in Arizona
Arizona wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Arizona consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Arizona student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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