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A.R.S. § 14-5428

How Creditors File Claims Against a Protected Person's Estate in Arizona

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

When someone is under conservatorship, creditors can still file claims against them. The conservator must pay valid claims from the estate. Creditors present their claims in writing, and if the conservator does not disallow a claim within 90 days, it is considered allowed.

Title 14, PROTECTION OF PERSONS UNDER DISABILITY AND THEIR PROPERTY

azleg.gov

How a Claim Gets Presented and Resolved

A conservatorship does not shield the protected person from legitimate debts. Creditors can present claims against the estate, and the conservator has a duty to pay just claims from estate funds. Arizona law provides two ways for a creditor to present a claim: by mailing or delivering a written statement directly to the conservator, or by filing the claim with the court and sending a copy to the conservator.

A conservator must pay from the estate all just claims against the estate and against the protected person arising before or after the conservatorship upon their presentation and allowance.

A.R.S. § 14-5428(A)

Once a claim is presented, the conservator has 90 days to disallow it in writing. If the conservator does not respond within that window, the claim is automatically considered allowed. This timeline matters. A conservator who overlooks a creditor's letter could find the estate obligated to pay a debt that might have been contested.

When the Estate Cannot Cover All Claims

If it becomes clear that the estate will run out of money before all claims are paid, Arizona law establishes a priority system. Claims for the protected person's care, maintenance, and education come first, along with expenses of administering the conservatorship. Other claims take a lower priority.

If it appears that the estate in conservatorship is likely to be exhausted before all existing claims are paid, preference is to be given to prior claims for the care, maintenance and education of the protected person or his dependents and existing claims for expenses of administration.

A.R.S. § 14-5428(C)

If a creditor's claim is disallowed by the conservator, the creditor is not out of options. They can petition the court for a determination of the claim at any time before the applicable statute of limitations runs out. Presenting a claim also pauses the statute of limitations for 30 days after disallowance, giving the creditor time to take action.

A. A conservator must pay from the estate all just claims against the estate and against the protected person arising before or after the conservatorship upon their presentation and allowance. A claim may be presented by either of the following methods: 1. The claimant may deliver or mail to the conservator a written statement of the claim indicating its basis, the name and address of the claimant and the amount claimed. 2. The claimant may file a written statement of the claim, in the form prescribed by rule, with the clerk of the court and deliver or mail a copy of the statement to the conservator. A claim is deemed presented on the first to occur of receipt of the written statement of claim by the conservator, or the filing of the claim with the court. A presented claim is allowed if it is not disallowed by written statement mailed by the conservator to the claimant within ninety days after its presentation. The presentation of a claim tolls any statute of limitation relating to the claim until thirty days after its disallowance. B. A claimant whose claim has not been paid may petition the court for determination of his claim at any time before it is barred by the applicable statute of limitation and, upon due proof, procure an order for its allowance and payment from the estate. If a proceeding is pending against a protected person at the time of appointment of a conservator or is initiated against the protected person thereafter, the moving party must give notice of the proceeding to the conservator if the outcome is to constitute a claim against the estate. C. If it appears that the estate in conservatorship is likely to be exhausted before all existing claims are paid, preference is to be given to prior claims for the care, maintenance and education of the protected person or his dependents and existing claims for expenses of administration.
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

Why do I need a Financial Power of Attorney?

Without a Financial Power of Attorney, your family may face a costly conservatorship to manage your finances. This document lets you choose who handles your money and when their authority begins.

How do guardianship and conservatorship proceedings work in Arizona?

Both require filing with the Arizona Superior Court, medical evidence of incapacity, and a judge's approval. The process takes months and costs thousands. Powers of attorney accomplish the same goals without court involvement.

What is probate, and how long does it take in Arizona?

Probate is a court-supervised process that validates a will, pays debts, and distributes assets. In Arizona, it typically takes 8 to 12 months and costs $10,000 to $15,000 in fees.

Related Statutes

§ 14-5425How a Conservator Distributes Funds for a Protected Person's Care
§ 14-5424Powers of a Conservator in Managing a Protected Person's Estate
§ 14-5101Key Definitions for Arizona Guardianship and Protective Proceedings
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