Arizona uses non-judicial foreclosure with a 90-day NOD waiting period before the trustee sale. You do not file an Answer — you file a civil lawsuit in Arizona Superior Court to stop the sale.
Arizona uses non-judicial foreclosure under A.R.S. § 33-807. The trustee must record a Notice of Default, wait 90 days, then record a Notice of Sale. You must file a civil lawsuit to stop the process.
90-Day NOD Waiting Period
After the NOD is recorded, there is a mandatory 90-day period before the NTS can be recorded. Use this time to prepare and file your lawsuit.
File in Superior Court + Seek TRO If Needed
File a civil complaint in the Superior Court of the county of the property. Claims: wrongful foreclosure, lack of standing, TILA/RESPA violations. If sale is imminent, seek a TRO.
| Type | Non-Judicial (A.R.S. § 33-807) |
| NOD Period | 90 days minimum |
| NTS Period | At least 20 days before sale |
| Court | AZ Superior Court |
| Filing Fee | $250-$450 |