Arizona
Arizona Small Claims Court: $5,000 Limit, Fees and How to File
Independently fact-checked against primary sources (last audited October 7, 2026). · 23 primary sources cited on this page. How we verify our legal content

In Arizona, you can sue for up to $5,000 in small claims, not counting interest and costs. A.R.S. 22-503(A) sets the limit for the small claims division that every Arizona justice court has, and S.B. 1022 (2025 Ariz. Sess. Laws ch. 94), approved by the Governor on May 2, 2025, raised it from $3,500.
The trade-off is speed for finality: no lawyers unless both sides agree, no jury, and no appeal. This guide walks through an Arizona small claims case from filing to collecting; for other states, see our guide to small claims court by state.
Information last verified on 2026-10-07. This article has not been reviewed by a licensed lawyer.
Jurisdiction scope: This article covers the small claims division of Arizona justice courts under A.R.S. 22-501 through 22-525, with notes on the Arizona Supreme Court's small claims information sheets, forms and justice court fee schedule. It does not cover evictions (forcible or unlawful detainer), cases on the justice court's regular civil docket or in superior court, or small claims in other states.
Arizona small claims limit: $5,000
Under A.R.S. 22-503(A), a small claims case can go forward when the amount involved "does not exceed $5,000, exclusive of interest and costs." The same cap applies whether you are an individual or a business.
Watch out for old figures. Before S.B. 1022, the cap was $3,500, and some materials still say so, including the Maricopa County Justice Courts filing handout revised in April 2023. The current statute and the Arizona Supreme Court's small claims information sheet both say $5,000.
You cannot split a claim. The court's information sheet says: "The amount of all claims in the complaint cannot exceed $5,000. This cannot be avoided by splitting one claim into several smaller claim amounts." Amended complaints are not allowed either, so get the amount right the first time.
Bigger claims. If your claim is over $5,000, you can file it in the justice court's regular civil division instead. Justices of the peace have exclusive original jurisdiction of civil actions of $10,000 or less, exclusive of interest, costs and awarded attorney fees (A.R.S. 22-201(B)).
What you can and cannot sue for
Arizona small claims is mainly for money. A.R.S. 22-503(A) also covers cases to disaffirm, avoid or rescind a contract, or for other equitable relief, when $5,000 or less is at issue, but not specific performance or injunctive relief (A.R.S. 22-503(B)). A.R.S. 22-503(B) excludes these cases from small claims:
- Matters outside the justice court's jurisdiction under A.R.S. 22-201.
- Defamation claims (libel or slander).
- Evictions: "forcible entry, forcible detainer or unlawful detainer" cases.
- Specific performance, injunctions, prejudgment remedies and class actions.
- Traffic and criminal matters.
- Claims against the State, its political subdivisions, or their officers or employees in their official capacity.
A deposit or repair dispute with a landlord can still be a small claim for money, even though the eviction itself cannot. For the underlying rules, see Arizona landlord-tenant laws.
Who can sue. Natural persons, corporations, partnerships, associations, marital communities and other organizations may sue or be sued in small claims (A.R.S. 22-512(A)). But the claim must belong to you: "an assignee or other person not a real party to the original transaction giving rise to the action may not commence an action except as a personal representative duly appointed" (A.R.S. 22-512(A)). That keeps debt buyers and other assignees out of small claims as plaintiffs.
Every claim also has a filing deadline. Check the Arizona statute of limitations for your type of claim, or estimate it with our statute of limitations calculator.
How much it costs
The Arizona Supreme Court sets justice court base fees. The schedule effective December 28, 2024 lists:
| Item | Base fee |
|---|---|
| Small claims complaint (filing) | $30.00 |
| Small claims answer (defendant) | $18.00 |
| Service of the complaint by mail by the clerk | $8.00 |
These are base fees only. The fee page tells filers to check with the specific court for additional local fees, so your total may be higher. The fee statute on the legislature's website, A.R.S. 22-281, still prints an older $25 small claims filing fee; the Supreme Court schedule is the current figure.
Fee waivers and deferrals. The court's information sheet says: "If the plaintiff cannot afford the filing fee, the plaintiff can ask the clerk for a fee waiver/deferral application." A defendant who cannot afford the answer fee can apply too.
Can you have a lawyer?
Usually not. A.R.S. 22-512 says: "An attorney-at-law shall not appear or take any part in the filing or prosecution or defense of any matter designated as a small claim." There are exceptions:
- Both sides agree in writing. The parties can stipulate in writing, at any time before the hearing, to allow attorneys.
- Transfer. Either party can move the case to the justice court's civil division, where lawyers are allowed (see below).
- Attorneys representing themselves can appear in their own cases.
- After judgment. You can hire a lawyer to collect, and an attorney may represent a party on a motion to vacate. A winning party can also assign the judgment to a licensed collector for enforcement.
Who appears for a business. Under A.R.S. 22-512, individuals represent themselves; spouses appear for a marital community; an active general partner or authorized full-time employee appears for a partnership; a full-time officer or authorized employee appears for a corporation; and an active member or authorized full-time employee appears for an association or other organization. An employee of a homeowners association or its management company can appear for the association if authorized in writing and the association is an original party.
Where to file
"The rules governing venue of civil actions in the justice courts govern small claims actions" (A.R.S. 22-505(A)). In practice, the court's information sheet says that, with few exceptions, you file in the justice court precinct where the defendant lives. Ask the clerk if you are unsure which precinct is right.
A defendant who thinks the case was filed in the wrong place can move to change venue before answering, and the plaintiff has 10 calendar days to respond. A motion to change venue and a motion to vacate are the only two motions allowed in Arizona small claims (A.R.S. 22-505).
Serving the defendant
You can serve the defendant by registered or certified mail with a return receipt requested; in some courts, the clerk serves by certified restricted mail (the base fee for clerk service by mail is $8). If mail service does not work, use personal service by a process server, sheriff or constable, or another method the court rules allow, and file an affidavit of service (A.R.S. 22-513). Service by mail is complete on the delivery date shown on the filed return receipt.

The deadline is firm. The court's information sheet warns: "Failure to file proof of service within 45 days will result in dismissal of the case." The 45 days run from the date you filed the complaint.
If you are the defendant
File a written answer within 20 days. The court's information sheet says: "The defendant must file a written answer within 20 days of service and mail it to the plaintiff." The answer fee is $18 in the base schedule. If you do not answer within 20 days of service, the plaintiff must start the default process under Justice Court Rule of Civil Procedure 140. The court information sheet also warns that the case must be concluded within 65 days of service or it will be dismissed, so a plaintiff should not wait for the court to act. As the Federal Trade Commission warns, "Don't ignore a lawsuit, or you might lose the chance to fight a court order." Before a default judgment, the federal Servicemembers Civil Relief Act requires the plaintiff to file an affidavit stating whether the defendant is in military service (50 U.S.C. § 3931).
Counterclaims. You can file a counterclaim within the same 20 days, about the same event or a different one. If it exceeds the $5,000 cap, the court "shall at once terminate the designation as a small claim action" and the case moves to the justice court's civil division (A.R.S. 22-517); the information sheet adds that a counterclaim over $10,000 moves the case to superior court. A.R.S. 22-517(C) allows sanctions for a counterclaim inflated to push a case out of small claims. Amended counterclaims are not allowed.
Transfer to the civil division. There is no jury in small claims. Either party can transfer the case to the justice court's civil division, which keeps the right to a lawyer and to appeal. A.R.S. 22-504 requires the request at least ten days before the hearing; the court's information sheet says no later than 10 business days before, so act early. If the defendant asks for a transfer before answering, the plaintiff has 15 days to dismiss the case voluntarily.
The hearing
The clerk sets the hearing after the answer is filed. "The hearing shall be set for a date within sixty days of the filing of the defendant's answer" (A.R.S. 22-515). Requests to reschedule must be made at least 15 days before the hearing.
A justice of the peace or a volunteer hearing officer appointed by the court hears the case. Any party can object to a hearing officer before the hearing, and the case then goes to the justice of the peace; the statute says the objection must come before the hearing date, and the court's information sheet says at least 15 days before.
The hearing is informal. The court is not bound by formal rules of procedure, pleading or evidence, except for privileged communications, and any material, relevant and competent evidence may be admitted. There is no discovery and no jury. Bring your contract, receipts, estimates, photos, texts and emails.
If the defendant does not appear, the court may award judgment on the plaintiff's evidence. If the plaintiff does not appear, the court may dismiss the case or award judgment for the defendant. If neither appears, the case is dismissed without prejudice. The judge decides at the end of the hearing or within 10 days, and a copy of the judgment is mailed to the parties within 5 days.
No appeal from small claims
This is the biggest difference from most states. A.R.S. 22-519 says: "There shall be no appeal in a small claims procedure and the decision of the hearing officer or justice of the peace shall be final and binding on both parties." The complaint form must carry a warning about this.
If you want to keep the right to appeal, transfer the case to the justice court civil division at least ten days before the hearing (A.R.S. 22-504).
Missed the hearing? Motion to vacate
The one way to reopen a small claims judgment is a motion to vacate, heard only by a justice of the peace (A.R.S. 22-505(B)). According to the Arizona courts' About the Judgment information sheet, the grounds include:
- Mistake, inadvertence, surprise or excusable neglect.
- Fraud, misrepresentation or other misconduct of an opposing party.
- The judgment is void.
- The judgment has been satisfied.
- Any other reason justifying relief.
The motion must be filed within a reasonable time, and "For reasons (1) and (2), the motion must be filed no more than 6 months after the entry of the judgment or the date of the proceeding, whichever is later." The other side has 15 days to respond. Filing the motion does not suspend the judgment, so collection can continue while it is pending.
Collecting your judgment
Winning does not guarantee payment, and the court does not collect for you. An Arizona small claims judgment is due and payable immediately when rendered (A.R.S. 22-520(D)).

- Debtor's examination. At judgment, on request or on the judge's own initiative, the judge shall order the judgment debtor to a debtor's examination, held immediately or within 10 days (A.R.S. 22-524).
- Writ of execution. The sheriff or a constable can seize the debtor's property under a writ of execution, which is returnable in 60 days (A.R.S. 22-244). To levy on real property, you must first file a certified transcript of the judgment with the superior court clerk (A.R.S. 22-246).
- Garnishment. As the Federal Trade Commission explains, a creditor "must first sue you to get a court order," called a garnishment, to take money from a paycheck, and "also can get a court order to take money from your bank account." Ask the justice court clerk about garnishment forms. Federal law caps wage garnishment for ordinary debts at the lesser of 25% of disposable earnings or the amount above 30 times the federal minimum wage per week (15 U.S.C. § 1673(a)); our wage garnishment calculator gives an estimate.
- Interest. Unless a statute or written contract says otherwise, judgment interest is the lesser of 10% a year or the prime rate plus 1%, stated in the judgment and fixed after entry (A.R.S. 44-1201(B)). Judgments on medical debt are capped at the lesser of the one-year Treasury yield or 3% (A.R.S. 44-1201(A)(1)). We did not look up the current prime-based figure; the judgment itself states the rate.
- How long it lasts. A writ of execution may issue within ten years after the judgment is entered, and judgments can be renewed by affidavit or action (A.R.S. 12-1551). Renewal by action means filing a lawsuit on the judgment within ten years (A.R.S. 12-1611). The simpler renewal affidavit applies to a money judgment docketed in superior court, including one entered there on a transcript from another court, or recorded with the county recorder, and it must be filed within the 90 days before the ten years expire (A.R.S. 12-1612). Ask the clerk early which route fits your judgment.
- Marking it paid. The winner must file a satisfaction of judgment within 30 days after being paid in full. If they do not, the debtor can ask the court to compel it.
Some income is protected. Social Security benefits are not subject to "execution, levy, attachment, garnishment, or other legal process" (42 U.S.C. § 407(a)), and VA benefits are exempt from creditors' claims (38 U.S.C. § 5301(a)(1)). Arizona law protects other property too; see Arizona debt collection laws before you plan a levy or if a judgment is being collected from you.
Forms and court help
The Arizona courts publish statewide small claims forms, including the complaint (LJSC00001F), summons (LJSC00002F), proof of service (LJSC00003F), answer (LJSC00004F), counterclaim (LJSC00005F) and motion to vacate (LJSC00015F).
- Arizona courts Self-Service Center: Small Claims Forms
- Arizona Supreme Court small claims information sheets
- About the Judgment information sheet
- Justice Court Filing Fees (effective December 28, 2024)
- A.R.S. 22-503, small claims jurisdiction, on the Arizona Legislature's website.
Related
- Small claims court by state
- Arizona statute of limitations
- Arizona debt collection laws
- Arizona landlord-tenant laws
- California small claims court
- Nevada small claims court
Disclaimer: This article provides general legal information about the small claims division of Arizona justice courts under A.R.S. 22-501 through 22-525 and related Arizona statutes and court materials, verified on 2026-10-07. It is not legal advice and does not create an attorney-client relationship. For help with your situation, contact your justice court, the Arizona courts' self-service resources, a legal aid office, or a lawyer licensed in Arizona.
Last updated: 2026-10-07.
Frequently Asked Questions
What is the small claims limit in Arizona?
$5,000, exclusive of interest and costs (A.R.S. 22-503(A)). The limit was $3,500 until S.B. 1022, approved by the Governor on May 2, 2025, raised it.
Can I sue for more than $5,000 in Arizona small claims?
No, and you cannot split one claim into smaller claims to get under the cap. Claims of $10,000 or less can be filed in the justice court civil division instead (A.R.S. 22-201(B)).
How much does it cost to file small claims in Arizona?
The base justice court fee is $30 to file and $18 to answer, under the schedule effective December 28, 2024. Courts may add local fees, and a fee waiver or deferral application is available.
Can I appeal a small claims judgment in Arizona?
No. A.R.S. 22-519 makes the decision final and binding on both parties. To keep appeal rights, a party must transfer the case to the justice court civil division at least ten days before the hearing (A.R.S. 22-504).
Can a lawyer represent me in Arizona small claims court?
Only if both parties agree in writing before the hearing, or the case is transferred to the civil division (A.R.S. 22-512). Lawyers can help collect after judgment and can appear on a motion to vacate.
How long does a defendant have to answer an Arizona small claims case?
20 days from service. The answer must be filed in writing with the $18 base answer fee and mailed to the plaintiff, according to the Arizona courts' small claims information sheet.
Can a debt buyer sue me in Arizona small claims court?
Not as an assignee. A.R.S. 22-512(A) bars an assignee or anyone who was not a real party to the original transaction from starting a small claims case, except a duly appointed personal representative.
What if I missed my Arizona small claims hearing?
You can file a motion to vacate. For mistake, inadvertence, surprise or excusable neglect, or for fraud, misrepresentation or other misconduct of the other party, it must be filed within a reasonable time and no more than 6 months after the judgment or the date of the proceeding, whichever is later.
Updates
Independently fact-checked against the cited primary sources
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Arizona Revised Statutes, Title 22 (Justice and Municipal Courts), Chapter 5 (SMALL CLAIMS DIVISIONS OF JUSTICE COURTS), Article 1 (General Provisions)
§ 22-503Jurisdiction; exceptionsIn forcecited in 3 of our articles
A. The small claims division has concurrent original jurisdiction with the justice court in all civil actions in which the debt, damage, tort, injury or value of the personal property claims either by the plaintiff or defendant does not exceed $5,000, exclusive of interest and costs, and in actions in which a party seeks to disaffirm, avoid or rescind a contract, or seeks equitable relief, and the amount at issue does not exceed $5,000. B. The small claims division does not have jurisdiction over the following: 1. Those matters excluded from justice court jurisdiction as provided in section 22-201. 2. Actions involving claims of defamation by libel or slander. 3. Actions in forcible entry, forcible detainer or unlawful detainer. 4. Actions for specific performance. 5. Actions brought or defended on behalf of a class. 6. Actions requesting or involving prejudgment remedies. 7. Actions involving injunctive relief. 8. Traffic violations and other criminal matters. 9. Actions against this state, its political subdivisions or an officer or employee of the state or its political subdivisions in his official capacity.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Cited in 3 court opinions in our collectionLatest citing opinion in our collection: 2021
Opinions citing this section in our collection:
- Peterson v. Newton (Court of Appeals of Arizona 2013, 232 Ariz. 593)“…endant does not exceed two thousand five hundred dollarS[.” A.R.S. § 22-503(A). Decisions from that court are not a…”
- Clusiau v. Clusiau Enterprises, Inc. (Court of Appeals of Arizona 2010, 225 Ariz. 247)“…over civil actions involving claims not exceeding $2,500. AR.S. § 22-503(A) (2002). Small claims court procedure…”
- Fowler v. T-Mobile USA Incorporated (District Court, D. Arizona 2021)“…actions seeking damages in an amount greater than $3,500. A.R.S. § 22-503. 17 Given that Plaintiff has not so…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Arizona Defamation Laws: Libel, Slander & Suing (2026), Arizona Scam and Fraud Laws: Where to Report, Your Right to Sue (2026)
§ 22-504Transfer to justice courtIn force
A. If any party whose rights are or may be adjudicated by an action in the small claims division, at least ten days before the time set for hearing objects to the proceedings being held in the small claims division, the action shall be transferred from the small claims division to the justice court and the provisions relating to civil actions in justice court shall apply. B. The complaint form used in the small claims division of each justice court shall contain the following language printed in no smaller than ten point bold-faced type: "Warning - you do not have the right to appeal the decision of the hearing officer or the justice of the peace in a small claims court. If you wish to preserve your right to appeal, you may have your case transferred to the justice court pursuant to section 22-504, subsection A, Arizona Revised Statutes, if you request such transfer at least ten days prior to the day of the scheduled hearing."
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Arizona Revised Statutes, Title 22 (Justice and Municipal Courts), Chapter 5 (SMALL CLAIMS DIVISIONS OF JUSTICE COURTS), Article 2 (Pleadings and Procedure)
§ 22-512Parties; representationIn force
A. Any natural person, corporation, partnership, association, marital community or other organization may commence or defend a small claims action, but an assignee or other person not a real party to the original transaction giving rise to the action may not commence an action except as a personal representative duly appointed pursuant to a proceeding as provided in title 14. B. In a small claims action: 1. An individual shall represent himself. 2. Either spouse or both may represent a marital community. 3. An active general partner or an authorized full-time employee shall represent a partnership. 4. A full-time officer or authorized employee shall represent a corporation. 5. An active member or an authorized full-time employee shall represent an association. 6. Any other organization or entity shall be represented by one of its active members or authorized full-time employees. 7. An attorney-at-law shall not appear or take any part in the filing or prosecution or defense of any matter designated as a small claim. C.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-519AppealsIn force
There shall be no appeal in a small claims procedure and the decision of the hearing officer or justice of the peace shall be final and binding on both parties.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-515Setting of trials; failure to appear; continuancesIn force
A. On the filing of an answer by the defendant, the clerk shall set the action for hearing. The hearing shall be set for a date within sixty days of the filing of the defendant's answer. The clerk shall notify the parties of the time and place of the hearing. B. Any party failing to appear at the time set for hearing risks having an appropriate judgment entered against that party. C. Continuances of hearings shall be granted only for good cause.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-517Counterclaims exceeding jurisdiction; procedures; sanctions for improper assertionIn force
A. In any action where a counterclaim is asserted and the amount involved in the counterclaim exceeds the jurisdictional amount of the small claims division, the court shall at once terminate the designation as a small claim action, and the action shall proceed in accordance with the rules relating to all other civil actions. B. If, at any stage during the proceedings subsequent to the termination of the small claims designation as provided in subsection A, the justice of the peace or superior court judge determines that the amount actually involved in the counterclaim is not in excess of the exclusive civil jurisdictional amount of the small claims division, the action shall be reinstated in either the small claims division as a designated small claim action or in the justice court as a regular civil action. C.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-522FeesIn force
The following fees are established pursuant to section 22-281: 1. The fee for filing a small claims complaint. 2. The fee for serving the complaint upon the defendant by registered or certified mail. 3. The fee for answering a complaint.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-513Method of serviceIn force
A. In addition to any other available methods of service, the plaintiff may serve the summons and complaint by registered or certified mail. Service is deemed complete on the date of delivery of the registered or certified mail to the defendant as indicated on the return receipt that is received and filed with the court either in person or by first class mail. If the date of delivery was not entered by the postal carrier or is illegible, service is deemed complete on the date the return receipt is received and filed with the court, either in person or by first class mail. The clerk of the small claims division of the justice court may make service by certified restricted mail, return receipt requested. B. If the defendant cannot be served by registered or certified mail, personal service by a process server or an authorized officer or by any other means pursuant to court rule may be used. If personal service is used, an affidavit of service shall be filed with the court. C. If personal service is used, service is deemed complete on the date of delivery that is indicated on the certificate of service. D.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-514Time for answerIn force
The time in which the summons shall require defendant to answer is in all cases twenty days, commencing from the date of service.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
§ 22-524Debtor's examinationIn force
A. At the time of judgment and on request of the prevailing party or on the judge's own initiative, the judge shall order the judgment debtor to participate in a debtor's examination hearing. The court may hold the hearing immediately after judgment or may set a date for the hearing within ten days after judgment. B. The judge, a hearing officer, a court employee designated by the judge or a person authorized by law to administer oaths may conduct the debtor's examination. At the hearing, the judgment debtor shall provide the court with information on the debtor's assets and liabilities. This information shall include money, property, corporate shares and interest, loans and support payments. The court or judgment creditor may require additional information.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Arizona Revised Statutes, Title 22 (Justice and Municipal Courts), Chapter 2 (CIVIL PROCEEDINGS IN JUSTICE COURTS), Article 5 (Fees and Costs)
§ 22-281Fees and depositsIn force
A. Justices of the peace shall receive fees established and classified as follows in civil actions: Class Description Fee A Initial case filing fee Civil filing fees $ 73.00 B Subsequent case filing fee Civil filing fees — defendant $ 40.00 C Initial case filing fee Forcible entry and detainer filings $ 35.00 Small claims filing 25.00 D Subsequent case filing fee Small claims answer $ 15.00 E Minimum clerk fee Document and transcript transfer on appeal $ 28.00 Certification of any documents 28.00 Issuance of writs 28.00 Filing any paper or performing any act for which a fee is not specifically prescribed 28.00 Subpoena (civil) 28.00 Research in locating a document 28.00 Seal a court file 28.00 Reopen a sealed court file 28.00 Record duplication 28.00 F Per page fee Copies of any documents per page $ 0.50 G Special fees Small claims service by mail $ 8.00 B.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Arizona Revised Statutes, Title 12 (Courts and Civil Proceedings), Chapter 9 (SPECIAL ACTIONS AND PROCEEDINGS TO ENFORCE CLAIMS OR JUDGMENTS), Article 3 (Execution of Judgments)
§ 12-1551Issuance of writ of execution; limitation; renewal; death of judgment debtor; applicabilityIn force
A. The party in whose favor a judgment is given, at any time within ten years after entry of the judgment and within ten years after any renewal of the judgment either by affidavit or by an action brought on it, may have a writ of execution or other process issued for its enforcement. B. An execution or other process shall not be issued on a judgment after the expiration of ten years from the date of its entry unless the judgment is renewed by affidavit or process pursuant to section 12-1612 or an action is brought on it within ten years after the date of the entry of the judgment or of its renewal. C. The court shall not issue a writ of execution after the death of the judgment debtor unless it is for the recovery of real or personal property or enforcement of a lien. D. This section applies to: 1. All judgments that were entered on or after August 3, 2013. 2. All judgments that were entered on or before August 2, 2013 and that were renewed on or before August 2, 2018, except that a writ of execution or other process may not be issued for a judgment entered on or before August 2, 2013 that was not renewed on or before August 2, 2018. E. This section does not apply to: 1.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Arizona Revised Statutes, Title 44 (Trade and Commerce), Chapter 9 (TRADE PRACTICES GENERALLY), Article 1 (Miscellaneous Provisions Relating to Loans)
§ 44-1201Rate of interest for loan or indebtedness; interest on judgments; definitionsIn forcecited in 2 of our articles
A. Interest on any loan, indebtedness or other obligation shall be as follows: 1. The maximum interest rate on medical debt shall be the lesser of the following: (a) The annual rate equal to the weekly average one-year constant maturity treasury yield, as published by the board of governors of the federal reserve system, for the calendar week preceding the date when the consumer was first provided with a bill, or (b) Three percent a year. The maximum interest rate provided pursuant to this paragraph also applies to any judgments on medical debt. 2. For any loan, indebtedness or obligation other than medical debt, interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing, in which event any rate of interest may be agreed to. Interest on any judgment, other than a judgment on medical debt, that is based on a written agreement evidencing a loan, indebtedness or obligation that bears a rate of interest not in excess of the maximum permitted by law shall be at the rate of interest provided in the agreement and shall be specified in the judgment. B.
Official text (excerpt) · last checked 2026-08-04 · Read the full text in our law library · Verify at azleg.gov
Cited in 125 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- In Re Marriage of Berger (Court of Appeals of Arizona 1983, 140 Ariz. 156)“…ation provided for a 7% post-judgment interest rate. A.R.S. § 44-1201 provides: § 44-1201. Rate of Int…”
- Imperial Litho/Graphics v. M.J. Enterprises (Court of Appeals of Arizona 1986, 152 Ariz. 68)“…ithout interest. It *74 further asserts that A.R.S. § 44-1201 supports this contention in that it pro…”
- Metzler v. Bci Coca-Cola Bottling Company of Los Angeles, Inc. (Arizona Supreme Court 2014, 235 Ariz. 141)“…Civil Procedure 68(g) is interest on an “obligation” under A.R.S. § 44-1201(A) or “interest on a[] judgment” under…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Arizona Debt Collection Laws: The 10% Garnishment Cap, Statute of Limitations, and Repossession
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Sources and References
- A.R.S. 22-503, Small claims jurisdiction and exclusions(azleg.gov).gov
- A.R.S. 22-502, Small claims division established(azleg.gov).gov
- 2025 Arizona Session Laws, chapter 94 (S.B. 1022)(azleg.gov).gov
- Maricopa County Justice Courts, How to File a Small Claims Case (revised April 2023)(justicecourts.maricopa.gov).gov
- Arizona Supreme Court, Small Claims Legal Information Sheets(azcourts.gov).gov
- A.R.S. 22-201, Justice court civil jurisdiction(azleg.gov).gov
- A.R.S. 22-512, Parties; attorneys; assignees(azleg.gov).gov
- Arizona Judicial Branch, Justice Court Filing Fees (effective December 28, 2024)(azcourts.gov).gov
- A.R.S. 22-281, Justice court fees(azleg.gov).gov
- A.R.S. 22-505, Venue; motions(azleg.gov).gov
- Federal Trade Commission, Debt Collection FAQs(consumer.ftc.gov).gov
- 50 U.S.C. 3931, Servicemembers Civil Relief Act default judgment protections(govinfo.gov).gov
- A.R.S. 22-517, Counterclaims exceeding small claims jurisdiction(azleg.gov).gov
- A.R.S. 22-515, Hearing date(azleg.gov).gov
- A.R.S. 22-519, No appeal(azleg.gov).gov
- Arizona Supreme Court, Small Claims: About the Judgment(azcourts.gov).gov
- 15 U.S.C. 1673, Federal wage garnishment limit(govinfo.gov).gov
- A.R.S. 12-1551, Enforcement of judgments; ten-year period(azleg.gov).gov
- 42 U.S.C. 407, Social Security benefits protected from legal process(govinfo.gov).gov
- 38 U.S.C. 5301, VA benefits exempt from creditors(govinfo.gov).gov
- Arizona Courts Self-Service Center, Small Claims Forms(azcourts.gov).gov
- A.R.S. 12-1611, Renewal of judgment by action(www.azleg.gov).gov
- A.R.S. 12-1612, Renewal of judgment by affidavit(www.azleg.gov).gov