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AZ Proposition 209 - Predatory Debt Collection Protection
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| Parents |
> United States > Arizona > Propositions > 2022 Propositions > Proposition 209 - Predatory Debt Collection Protection
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| Office | Initiative |
| Honorific | - Abbr: |
| Type | Referendum |
| Filing Deadline | September 01, 2022 - 12:00pm Central |
| Polls Open | November 08, 2022 - 07:00am Central |
| Polls Close | November 08, 2022 - 08:00pm Central |
| Term Start | November 09, 2022 - 12:00pm |
| Term End | December 31, 9999 - 11:55pm |
| Turnout |
58.55% Registered
33.89% Total Population
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| Contributor | Mr. Matt |
| Last Modified | RBH December 05, 2022 03:28pm |
| Data Sources | [Link] |
| Description |
Proposed By Initiative Petition Relating To Predatory Debt Collection Protection
OFFICIAL TITLE
Amending Sections 12-1598.10, 33-1101, 33-1123, 33-1125, 33-1126, 33-1131, and 44- 1201, Arizona Revised Statutes; relating to Predatory Debt Collection Protection.
DESCRIPTIVE TITLE
The law would reduce maximum interest rates on medical debt from 10% to 3% annually; increase the amount of certain assets exempt from debt collection; annually adjust exemptions for inflation beginning 2024; and allow courts to reduce the amount of disposable earnings garnished in cases of extreme economic hardship.
A “YES” vote shall have the effect of reducing maximum interest rates on medical debt from ten percent to no more than three percent per year; increasing exemptions from all debt collection for certain personal assets, including a debtor’s home, household items, motor vehicle, and bank account from debt collection; adjusting exemptions from all debt collection for inflation beginning in 2024; decreasing the amount of disposable earnings subject to garnishment to no more than ten percent of disposable earnings but allowing a court to decrease the disposable earnings subject to garnishment to five percent based on extreme economic hardship.
A “NO” vote shall have the effect of retaining existing laws related to debt collection.
[Link]
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Yes |
No |
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| Party | YES |
NO |
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| Certified Votes |  1,747,363 (72.01%) |
679,089 (27.99%) |
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| Margin | 0 (0.00%) |
-1,068,274 (-44.03%) |
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| Predict Avg. | 0.00% |
0.00% |
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