Collections Law Group
Practical guidance on debt recovery, legal leverage, and protecting your receivables.
Most creditors wait too long. By the time an account reaches 90+ days past due, the odds of collecting without legal intervention drop significantly. Here's how to recognize the tipping point — and what changes when an attorney gets involved.
Read More →Not all demand letters are equal. A letter from an attorney signals escalation in a way a billing department notice never can. We break down what goes into an effective collections demand letter — and why the legal imprimatur matters.
Read More →Winning in court is only half the battle. A judgment is only as valuable as your ability to enforce it. We walk through the post-judgment tools available in Arizona — wage garnishment, bank levies, property liens — and how to use them strategically.
Read More →Most creditors wait too long. By the time an account has gone 90, 120, or 180 days past due without response, the probability of voluntary payment has dropped sharply — and the window for the most effective legal remedies is narrowing. Here's how to recognize the right moment to escalate.
A good rule for commercial creditors: if a debtor has missed two payment promises or gone 30+ days without meaningful contact after your second internal notice, it's time to refer. The longer you wait, the more the debtor learns that non-payment carries no real consequence.
An attorney-drafted demand letter is a fundamentally different document than a billing notice. It signals that litigation is a real next step, not a bluff. In many cases, debtors who ignored prior communications respond within days of receiving legal correspondence.
Beyond the letter itself, an attorney can run due diligence checks — bankruptcy filings, military service status, asset searches — that help you decide whether to litigate and how aggressively to pursue.
Evidence degrades. Witnesses forget details. Statutes of limitations approach. And in some cases, debtors structure their affairs to make collection harder once they know it's coming. Early escalation isn't aggressive — it's strategic.
If you have accounts that have stalled, contact Collections Law Group for a no-obligation review.
A demand letter is often the first serious signal a debtor receives that non-payment will have real consequences. Done well, it resolves a significant percentage of accounts without further action. Done poorly, it's noise — easily ignored, legally unenforceable, and a missed opportunity.
The single most impactful variable in a demand letter's effectiveness is who sends it. A letter from a collections attorney communicates something a billing department notice cannot: that litigation is a credible, imminent next step. Debtors know that attorneys don't write letters for fun.
Vague language ("please remit payment at your earliest convenience") signals that you're not serious. So does omitting a deadline, failing to specify the exact balance, or using a template so generic the debtor knows it was auto-generated. Debtors are surprisingly good at recognizing low-stakes correspondence.
One of the most effective additions to a modern demand letter is a unique access code that gives the debtor direct access to their account balance and a payment link. Removing friction — making it genuinely easy to pay — meaningfully increases response rates. Collections Law Group's debtor portal does exactly this.
Want to see what an effective demand letter process looks like? Reach out to CLG to discuss your accounts.
A judgment in your favor is a significant legal victory — but it doesn't automatically put money in your account. The judgment is a tool, and knowing how to use it determines whether you actually collect. Here's what's available to creditors in Arizona.
If the debtor is employed, wage garnishment is often the most reliable post-judgment remedy. Arizona law allows creditors to garnish up to 25% of a debtor's disposable earnings. The process begins with an Application for Writ of Garnishment filed with the court. Collections Law Group handles this from filing through final payment.
A non-earnings garnishment allows you to reach bank accounts and other assets. The timing matters — levies capture a snapshot of available funds at the moment of service, so knowing a debtor's bank and acting quickly is essential.
Recording a judgment lien against real property prevents the debtor from selling or refinancing without satisfying your judgment. It's a slower remedy but a powerful one — especially when a debtor has equity in Arizona real estate.
Arizona judgments accrue interest at 10% per annum. This clock starts running from the date of entry, which means delaying enforcement is actively costing you money. Acting promptly on an entered judgment is always the right call.
Before pursuing any post-judgment remedy, CLG conducts standard due diligence — bankruptcy checks, SCRA military service verification, and asset searches — to confirm the right strategy and avoid procedural pitfalls.
Have an entered judgment you haven't been able to collect on? Contact Collections Law Group — post-judgment enforcement is one of our core strengths.