Skip to main content
Skip to explanation
  1. Home
  2. Law Library
  3. A.R.S. § 14-10503
A.R.S. § 14-10503

When Creditors Can Reach Trust Assets Despite a Spendthrift Provision

Verified April 4, 2026 • 57th Legislature, 1st Regular Session

Even with a spendthrift provision in place, Arizona law allows certain creditors to reach trust distributions. A beneficiary's child with a support order and creditors who provided services to protect the beneficiary's trust interest can petition the court for access. However, special needs trusts are protected from these exceptions.

Title 14, ARIZONA TRUST CODE

azleg.gov

The Exceptions Arizona Recognizes

Spendthrift provisions are powerful, but they are not absolute. Arizona carves out limited exceptions where public policy overrides the protection a trust provides. The most significant exception involves child support obligations.

Even if a trust contains a spendthrift provision, a beneficiary's child who has a judgment or court order against the beneficiary for support or maintenance, or a judgment creditor who has provided services relating to the protection of a beneficiary's interest in the trust, may obtain from a court an order attaching present or future distributions to or for the benefit of the beneficiary only for these matters.

A.R.S. § 14-10503(A)

This means a child owed support can go to court and ask a judge to direct trust distributions toward satisfying that obligation. Similarly, an attorney or professional who provided services specifically to protect the beneficiary's interest in the trust can seek payment from trust distributions. These exceptions are narrow by design.

Special Needs Trusts Get Extra Protection

Arizona explicitly shields special needs trusts from the child support exception. If a trust qualifies as a special needs trust, the exception in subsection A does not apply. This protection ensures that trust assets set aside for a beneficiary with a disability remain available for their care and are not diverted to other claims.

The statute also addresses government claims. A spendthrift provision is unenforceable against claims by Arizona or the United States only to the extent that a specific state or federal statute says so. Without such a statute, government creditors are subject to the same restrictions as private creditors.

For the purposes of this section, "child" is defined broadly. It includes any person for whom a valid child support order or judgment has been entered in Arizona or any other state.

14-10503. Exceptions to spendthrift provision; definition A. Even if a trust contains a spendthrift provision, a beneficiary's child who has a judgment or court order against the beneficiary for support or maintenance, or a judgment creditor who has provided services relating to the protection of a beneficiary's interest in the trust, may obtain from a court an order attaching present or future distributions to or for the benefit of the beneficiary only for these matters. B. The exception prescribed in subsection A is unenforceable against a special needs trust. C. A spendthrift provision is unenforceable against a claim of this state or the United States only to the extent a statute of this state or federal law so provides. D. For the purposes of this section, "child" includes any person for whom an order or judgment for child support has been validly entered in this or another state.
View on azleg.gov

This page provides general legal information about Arizona statutes and is not legal advice. For guidance on how this law applies to your situation, speak with a qualified attorney.

Related Questions

What does a trustee actually do?

A trustee manages trust assets according to the rules the trust creator set. While you are alive, you are typically both trustor and trustee. After you pass, your successor trustee distributes assets as instructed.

What is a Revocable Living Trust and how does it work?

A Revocable Living Trust lets you transfer asset ownership into a trust you control during your lifetime. When you pass, a successor trustee distributes assets to beneficiaries without probate.

Can I set up a special needs trust for a disabled beneficiary in Arizona?

Yes. A special needs trust lets you leave assets to a disabled beneficiary without disqualifying them from SSI or AHCCCS. Third-party trusts have no Medicaid payback; first-party trusts require repayment after the beneficiary passes.

Related Statutes

§ 14-10504How Discretionary Trusts Protect Beneficiaries From Creditors in Arizona
§ 14-10502How Spendthrift Provisions Protect Trust Beneficiaries in Arizona
§ 14-10506When Creditors Can Reach Overdue Trust Distributions in Arizona

Related Services

The foundation of your estate plan

Living Trusts

Pass your assets directly to the people you choose without probate, without court involvement, and without the delays and costs that come with both.

Learn more
Get Started Today

Need Help With Your Estate Plan?

Whether you are just getting started or reviewing an existing plan, RJP Estate Planning works hand in hand with experienced estate planning counsel to help you understand your options.

(480) 346-3570
RJP Estate Planning

Protecting Arizona families through comprehensive estate planning since 1995.

Quick Links

  • Services
  • About Us
  • Our Team
  • Resources
  • FAQ
  • Glossary
  • Educational Law Library
  • Events
  • Careers
  • Contact

Our Offices

Scottsdale Office

4110 N. Scottsdale Road Suite 170

Scottsdale, AZ 85251

Tucson Office

5151 E. Broadway Blvd Suite 750

Tucson, AZ 85711

Contact Us

(480) 346-3570care@rjpaz.com

© 2026 RJP Estate Planning. All rights reserved.

Privacy PolicyTerms of Service

The Planning Consultants at RJP Estate Planning provide services in the areas of estate planning, planning with wills and trusts, asset protection, probate avoidance, probate & estate administration, long-term care planning, Medicaid planning, asset protection from Medicaid, veterans benefits, charitable planning, special needs, estate tax planning, and business succession planning. They serve clients and their families throughout Scottsdale, Phoenix, and Sun City, Arizona, and the surrounding cities and towns.

RJP Estate Planning is not a law firm, cannot give legal advice, and does not prepare legal documents. For legal services, clients separately consult with an estate planning attorney or law firm.

RJP-AZ, LLC (RJP Estate Planning) is licensed to offer insurance products and receive commissions for those products. Its representatives who discuss these products with you hold individual licenses.

Securities are offered through CoreCap Investments, LLC, a registered broker-dealer and member FINRA/SIPC. Advisory services are offered through CoreCap Advisors, LLC, a registered investment advisor. RJP Estate Planning and RJP-AZ, LLC are separate and unaffiliated entities and are not affiliated with CoreCap Investments or CoreCap Advisors. Representatives that offer these services hold the required licenses.

Some products or services are provided by trusted companies/service providers. These companies/providers are separate and unaffiliated entities from RJP-AZ, LLC.