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These are major decisions and I understand your apprehension. Generally her debts would not become yours simply by living together but the harassment from those collection efforts could be burdensome. Also if you help to pay some of her debts off you could ask for reimbursement if you broke up. Arizona does not recognize common law marriage.
If she did live with you and she helped with expenses of the house such as the mortgage or repairs she would not get ownership but she could seek reimbursement.
Arizona does enforce and recognize oral or written palimony agreements. (Carroll v. Lee, 148 Ariz. 10, 712 P.2d 923 (1986); Cook v. Cook, 142 Ariz. 573, 691 P.2d 664 (1984)).
However, if there is no agreement in place, the court will not allow palimony.
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