Arizona voters passed the Healthcare Debt Interest Rate Limit and Debt Collection Exemption Initiative known as Proposition 209 (“Prop 209”) through a ballot initiative in November 2022. One initiative of Prop 209 was to cap interest rate on medical debt at 3%, down from a standard statutory rate of 10%. It was also designed to increase the value of certain exempt property and limit earnings exempt from garnishment, attachment, execution and forced sale. However, what Arizona voters were sold in the publicity pamphlet and advertising has greatly impacted creditor’s rights and remedies in the state since the measure took effect on December 5, 2022.