I guess really my question is, is what can a Payday loan company sue you for? I know that they can get a judgment to garnish your wages. But is that All they can sue you for?
If they loan you money and you do not pay they can sue you on your obligation to pay, it is normally a breach of contract action and they would likely ask for the amount owed, pre-judgment interest based on the interest rate in the loan agreement and attorney's fees. If they obtain a judgment, they could take any valid supplemental procedure to collect the judgment, including wage garnishment, bank garnishment, or attempt to collect against personal or real property. There are additional things that they would have to do after getting the judgment to collect, but they would be available.
They can sue you for breach of contract and execute on any non-exempt property. The most they can win is what you owe plus interest. It is rare for a payday leader to sue though. They make so much interest on the consumers that pay them that they oftentimes leave the ones that don't alone. I'm not guaranteeing anything though. Perhaps a AZ attorney will explain a bit about AZ exemption laws since I am specifically unfamiliar. Good luck! Thanks for visiting AVVO.