Last fall, we wrote about the Arizona ballot initiative Proposition 209 (“Prop 209”) that passed into law and was coined the “Predatory Debt Collection Act”. The Act was presented to Arizona voters as a means of reducing and capping the interest rate on medical debt. As our article explained, however, Prop 209 did far more than that – the little-known effects of the numerous statute edits increased an individual’s personal exemption in a bank account from $300 to $5,000, decreased the standard withholding percentage on wage garnishments from 25% of after-tax earnings down to 10%, and nearly doubled Arizona’s homestead exemption to $400,000. These along with some other changes have rendered the majority of Arizona residents as “collection proof.”