Need help with Affirmative Defenses! Is this a valid one?

Your statements sound more like discovery issues and not necessarily defenses to the actual claims. What you've listed are not affirmative defenses.

A creditor took my funds in my account which was my payroll check i live pay check to pay check i have four dependents

Currently AZ's bank account exemption is only $150.00. That amount is going to increase but won't help you now. A creditor can seize everything...

If the creditor(s) have a properly recorded lien on the title and you default on the loan terms, the creditor may repossess the cars. To prevent...

You may want to consider filing a complaint with the state bar.

I cannot find any Rule or statute that allows or disallows my land lord to charge me for his time after I have moved out. $35/hr

No statute for this issue. Your contract may specify the charges that the landlord will bill.

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My attorney wants to bill the estate $450 an hour for services to be rendered. this seems excessive?

Depending on the attorney's experience and the complexity of the case, the fee amount may be warranted. However, if you think the rate is too much...

I won a judgment against an ex-friend who is an independent contractor. I tried to garnish wages and they said he never worked.

You can ask the court for an order to show cause hearing to dispute the accuracy of the answer you received from the employer. If you can prove...

What happens if I do not appear at a pretrial hearing for a debt collection but my husband does?

Be careful because some justice courts will not allow a spouse to appear for another spouse because they view that as the unauthorized practice of...

Is there a way to stop a wage garnishment based limited income without a bankruptcy?

No, there is no basis for stopping a garnishment based on financial hardship. You may request a hearing and if the court finds a financial...

How long after my lease is up(7/1/2013) does the land lord have to hold me liable for repairs done to the place?

While I agree with my colleagues the only thing I would add is to check your lease agreement for terms regarding repairs. Many leases have set...