A buyer injured by a violation of this article or by the credit services organization‘s breach of a contract subject to this article may bring any action for recovery of damages. Judgment shall be entered for actual damages, but in no case less than the amount paid by the buyer to the credit services organization, plus reasonable attorney fees and costs. If the trial court deems it proper, the court may enter an award for punitive damages.

Terms Used In Arizona Laws 44-1711

  • Action: includes any matter or proceeding in a court, civil or criminal. See Arizona Laws 1-215
  • Buyer: means any natural person who is solicited to purchase or who purchases the services of a credit services organization. See Arizona Laws 44-1701
  • Contract: A legal written agreement that becomes binding when signed.
  • Credit services organization: means a person who, with respect to the extension of credit by others, sells, provides, performs or represents that he can or will sell, provide or perform any of the following services in return for the payment of monies or other valuable consideration:

    (a) Improving a buyer's credit record, history or rating. See Arizona Laws 44-1701

  • Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
  • Trial: A hearing that takes place when the defendant pleads "not guilty" and witnesses are required to come to court to give evidence.