John Torrance
Community Legal Services
Phone pending
About John Torrance
John Torrance is a consumer protection attorney at Community Legal Services representing consumers in Arizona, Arizona. Arizona consumer protection practice combines the Arizona Consumer Fraud Act under ARS §§ 44-1521 through 44-1534 with federal statutes including the FDCPA (debt collection), TCPA (unwanted calls), and the FTC Act, addressing deceptive trade practices, fraud, and predatory consumer transactions. See contact details below.
This profile was compiled from publicly available information. Is this your profile? Claim it to add your bio, photo, and more.
Education
- Law School: UNKNOWN
Common questions about Consumer Law in Arizona
Answered by Arizona Attorney Search Network
Do I have to pay a debt that's past the statute of limitations?
No - the creditor cannot legally enforce the debt in court after the limitations period (typically 3-6 years in Arizona). However, the debt may still be reported on credit reports for up to 7 years (under federal law), and creditors may continue informal collection. Critically, partial payment or written acknowledgment can revive the debt and restart the limitations clock under ARS § 12-508; do not pay anything without first consulting an attorney.
Can I sue a car dealer for misrepresentation in Arizona?
Yes. Used-car and new-car dealers in Arizona are subject to the Consumer Fraud Act, federal odometer disclosure rules (49 USC § 32710), the federal Used Car Rule (16 CFR § 455), and Arizona's Lemon Law (ARS §§ 44-1261 to 44-1267) for new-car warranty claims. Common claims: failure to disclose accident history, undisclosed liens, odometer rollback, bait-and-switch advertising, and yo-yo financing.
Can debt collectors in Arizona sue me?
Yes - subject to the relevant statute of limitations. Most consumer debts have a 3-6 year limitations period in Arizona (3 for oral contracts/open accounts, 6 for written contracts). After the limitations period, debt is unenforceable in court but may still be reported and pursued informally. Acknowledging the debt or making a partial payment can restart the clock under ARS § 12-508; consult an attorney before responding to collection lawsuits.