Countywide support for homeowners throughout Maricopa County — including Phoenix and communities across the county. Arizona follows a non-judicial deed-of-trust trustee-sale process, and a Notice of Trustee Sale (NTS) is recorded, published, and posted at least 90 days before the sale date. Acting early gives you the most options.
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Arizona's ordinary foreclosure path is non-judicial and proceeds through a deed-of-trust trustee sale under A.R.S. § 33-807. The Notice of Trustee Sale (NTS) is the critical document for Maricopa County homeowners. Under the framework used on this page, the NTS is recorded, published, and posted at least 90 days before the sale date — and acting early is essential.
The Notice of Trustee Sale is recorded, published, and posted at least 90 days before the sale date. This page uses that 90-day NTS framework as its selected public framework. Approximate overall timing from NTS recording to sale can be roughly 90–180 days, but this is only a general approximation — it is not a statutory minimum, is not guaranteed, and specific case facts vary. Always review the actual recorded Notice of Trustee Sale and act immediately.
Get the actual Notice of Trustee Sale recorded at the Maricopa County recorder's office. Check the recording date, the stated sale date, publication, posting, and the amount claimed due. Because timing can vary with your specific case, do not rely on a single universal number — act on the specific notice you received.
Reinstatement may be available before the trustee sale by paying the amounts then due plus applicable charges and fees/costs. Whether and how it applies can depend on the specific loan and notice you received. Reinstatement is distinct from redemption.
Dream Legal's saved Arizona sources state that there is no post-sale statutory redemption after an ordinary non-judicial trustee sale. That makes pre-sale reinstatement, redemption, loss mitigation, and legal challenges especially time-sensitive.
Contact your servicer about loss mitigation as early as possible. Availability depends on your loan and servicer, and an application does not automatically cancel a trustee sale. If emergency court relief is sought, a separate civil challenge must occur before the sale, and the court must actually grant relief.
Timing note: This page uses the 90-day Notice of Trustee Sale framework for Arizona's non-judicial process. The 90–180 day estimate is an approximate, general figure only — it is not a statutory minimum and is not guaranteed. Please review the specific recorded Notice of Trustee Sale and act immediately. This is general educational information, not a legal-deadline calculation.
Under the framework used on this page, Arizona uses non-judicial foreclosure under A.R.S. § 33-807 et seq., with a Notice of Trustee Sale recorded, published, and posted at least 90 days before the sale.
After payments are missed, the servicer may send a breach or demand letter giving you an opportunity to cure before the trustee-sale process advances. This is not a formal foreclosure filing and not the start of a court foreclosure lawsuit.
The deed of trust provides a pre-sale cure context under which a homeowner may address the default. The 90-day Notice of Default (NOD) concept, where described in the saved materials, is a separate sequential step — it is not the same as the 90-day NTS-before-sale window.
The Notice of Trustee Sale is recorded with the county recorder under A.R.S. § 33-808 and sets forth the foreclosure terms. This page uses a framework in which the NTS is recorded, published, and posted at least 90 days before the sale date.
The NTS is recorded, posted, published, and mailed as required by Arizona law. Where supported by current saved sources, publication is described in a newspaper of general circulation and posting occurs at the property. No fixed mailing day count is stated here.
Under the selected framework, the NTS provides at least 90 days between recording (with publication and posting) and the sale date. Approximate overall timing can be roughly 90–180 days, but that figure is general and not guaranteed.
Reinstatement under A.R.S. § 33-813 may be available before the trustee sale by paying amounts then due plus applicable charges and fees/costs. Loss mitigation options may include loan modification, forbearance, settlement discussions, or servicer review — availability and outcomes are not guaranteed.
This ordinary trustee-sale path is non-judicial, but a homeowner may bring a separate Superior Court civil action before the sale and seek emergency relief such as a TRO or preliminary injunction. Filing alone does not stop the sale — the court must actually grant relief.
The trustee conducts a public auction and the property is sold to the highest bidder. The sale date, time, and location are identified in the Notice of Trustee Sale. Following the sale, a Trustee's Deed Upon Sale is delivered.
Important: The saved Arizona framework describes no post-sale statutory redemption after an ordinary non-judicial trustee sale. This is not a judicial foreclosure — no bank judgment is required and there is no ordinary foreclosure summons or Answer before the trustee sale. Review the recorded Notice of Trustee Sale and act immediately.
Dream Legal Solutions provides document-preparation and educational support for homeowners throughout Maricopa County. The county seat and primary city is Phoenix, and this countywide page supports homeowners across the entire county.
The most populous county in Arizona, serving homeowners throughout the Phoenix metro and surrounding areas.
Maricopa County's county seat and primary city. The county-level page complements a separate Phoenix city foreclosure-defense page.
Maricopa County is a non-judicial foreclosure county. The Superior Court is a court and local-government resource relevant to a separate civil challenge. It is not the trustee-sale location — sale date, time, and place are stated in the Notice of Trustee Sale.
The Notice of Trustee Sale and related trustee-sale documents are recorded at the county recorder. The saved Maricopa County courthouse data includes the recorder resource at recorder.maricopa.gov.
No outcome is promised. Dream Legal Solutions provides document-preparation and educational support and does not guarantee results. The availability of any assistance option depends on your specific loan and servicer. For legal advice and representation, consult a licensed Arizona attorney.
Gathering the right records early can help us review your situation and organize your Maricopa County documents for clarity and record-keeping.
Even if you don't have everything, start with what you have. The Notice of Trustee Sale and payment records are the most time-sensitive documents.
If any document is not applicable to your situation, simply skip it. We only need the records relevant to your specific Maricopa County matter.
Common questions from homeowners throughout Maricopa County facing an Arizona non-judicial trustee-sale foreclosure.
If you've received a Notice of Trustee Sale in Maricopa County, review it immediately. Dream Legal Solutions can help you understand your options and what document-preparation support may be available.
Call 323-813-4113