Arizona

Arizona

Arizona Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial (rare) and Non-judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Publication.

Estimated Foreclosure Process Period: 90+ days.

First Notice to Sale Time Period: 41+ days.

Redemption Period?: Yes, 1-6 months.

Deficiency Balance?: Varies by process.

* * * This information represents MRP’s current understanding of the foreclosure process In Arizona. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, only an experienced foreclosure attorney can effectively represent your interests. If you have received one of these notices, review some of the options below, and schedule a FREE attorney consultation today!

Mitigation Attorneys

attorneysLet a Representative of an established mortgage mitigation law firm explain your options regarding loan modification, reinstatement, forbearance, principal reduction and foreclosure alternatives like short sale, deed-in-lieu of foreclosure (DIL), cash for keys, and leaseback. When appropriate, the Representative can also schedule a NO COST mitigation attorney consultation!

► ► Speak To A Mortgage Mitigation Law Firm! ◄ ◄

► ► Complete the Mitigation Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)Since the exposure of widespread fraud and deceptive practices by some of America’s largest banks, legislators have passed new laws giving homeowners causes of action to sue their lenders. As a result, many homeowners are hiring litigation attorneys to sue their lenders and use other aggressive legal tactics to stop the foreclosure process and resolve their troubled mortgages.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

Arizona Hardest Hit FundArizona is a “Hardest Hit Fund” State

($267,766,006)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.savemyhomeaz.gov/

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Arizona

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclosure Attorney ReviewsIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Arizona

Agency Name Phone
Website
Address Languages
Neighborhood Housing Services of Phoenix, Inc. Phone: 602-258-1659
Web: www.nhsphoenix.org
10320 W. McDowell Ste. E-5015
Avondale, Arizona 85392
– English
Southeastern Arizona Governments Organization Phone: 520-432-5301
Web: www.seago.org
1403 West Hiway 92
Bisbee, Arizona 85603
– English
Community Action Human Resources Agency Phone: 520-466-1112
Web: www.cahrapinal.org
311 N Main St
Eloy, Arizona 85222
– English
Bothands Phone: 928.214.7456
Web: www.bothands.org
2304 N 3rd St
Flagstaff, Arizona 86004
– English
MMI – Flagstaff Phone: 800-308-2227
Web: www.moneymanagement.org
2615 North 4th St., Ste. 2
Flagstaff, Arizona 86004
– English
Northern Arizona Council of Governments Phone: 928.213.5219
Web: www.nacog.org
119 E. Aspen
Flagstaff, Arizona 86001
– English
MMI – Glendale Phone: 800-308-2227
Web: www.moneymanagement.org
17235 North 75th Ave., Ste. C-125-Relocating 07/31/13
Glendale, Arizona 85308
– English
MMI – Glendale Phone: 800-308-2227
Web: www.moneymanagement.org
17505 N. 79th Ave. Suite 211-F
Glendale, Arizona 85308
– English
Genesis Housing Services Phone: 480-217-5652
Web: www.genesishs.org
P.O. Box 1555
Higley, Arizona 85236
– English
MMI – Mesa Phone: 800-308-2227
Web: www.moneymanagement.org
1234 S. Power Rd., Ste. 100
Mesa, Arizona 85206
– English
Springboard Non Profit Consumer Credit Management, Inc. Phone: 855-736-7728
Web: www.homeownership.org
4140 E Baseline Rd., Ste 101
Mesa, Arizona 85206
– English
Nogales Community Development Corporation Phone: 520.397.9219
Web:
124B N Terrace Ave
Nogales, Arizona 85621
– English
Chicanos Por La Causa, Inc. Phone: 6022530838
Web:
1402 S Central Ave
Phoenix, Arizona 85004
– English
Chicanos Por la Causa Phone: (602) 253-0838
Web: www.cplc.org
1242 E. Washington St., Suite 103
Phoenix, Arizona 85034
– English
Community Housing Resources of Arizona Phone: (602) 631-9780
Web: www.comminityhousingresources.org
4020 N. 20th Street #220
Phoenix, Arizona 85016
– English
Labor’s Community Service Agency Phone: 602-263-5741
Web: www.lcsa.us
3117 N. 16th Street, Suite 100
Phoenix, Arizona 85016
– English
MMI – Central Phoenix/Osborn Phone: 800-308-2227
Web: www.moneymanagement.org
722 East Osborn Rd., Ste. 210
Phoenix, Arizona 85014
– English
MMI – Phoenix Call Center Phone: 800-308-2227
Web: www.moneymanagement.org
13430 N. Black Canyon Hwy., Ste. 250
Phoenix, Arizona 85029
– English
NATIONAL COUNCIL OF LA RAZA Phone: (202) 785-1670
Web: www.nclr.org
1001 North 3rd Ave, Suite 1
Phoenix, Arizona 85003
– English
NID-HCA Phone: 602-685-1056
Web: www.nidonline.org
668 North 44th Street
Phoenix, Arizona 85008
– English
Neighborhhod Housing Services of Phoenix Phone: 602-258-1659
Web:
1405 E. McDowell
Phoenix, Arizona 85006
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 602-248-4408
Web: www.naca.com
1150 East Jefferson Street
Phoenix, Arizona 85034
– English
Phoenix Urban League Phone: 602-254-5611
Web: www.greaterphxurbanleague.org
1402 South Seventh Avenue
Phoenix, Arizona 85007
– English
Take Charge America Phone: 623-266-6216
Web:
20620 North 19th Ave.
Phoenix, Arizona 85027
– English
MMI – Prescott Phone: 800-308-2227
Web: www.moneymanagement.org
1215 Gail Gardner Way, Ste. B
Prescott, Arizona 86305
– English
Comite de Bien Estar Phone: 928.627.8559
Web:
963 E. “B” Street
San Luis, Arizona 85349
– English
MMI – Scottsdale Phone: 800-308-2227
Web: www.moneymanagement.org
16427 North Scottsdale Road, Suite # 410
Scottsdale, Arizona 85254
– English
Housing America Corportation Phone: (928) 627-4221
Web: www.hacorp.org
130 North State Avenue
Somerton, Arizona 85350
– English
The Primavera Foundation, Inc Phone: 520-882-5383
Web: www.primavera.org
151 W. 40th St.
South Tucson, Arizona 85713
– English
GreenPath Debt Solutions Phone: 888-860-4167
Web: www.greenpath.org
401 W. Baseline, Suite 105A
Tempe, Arizona 85283
– English
MMI – Tempe Phone: 800-308-2227
Web: www.moneymanagement.org
950 West Elliot Rd., Ste. 122
Tempe, Arizona 85284
– English
Newtown Community Development Corporation Phone: 480.517.1589
Web: www.newtowncdc.org
511 W University Dr #4
Tempe, Arizona 85281
– English
Administration of Resources and Choices Phone: 520.623.2625
Web:
3003 S. Country Club Rd
Tucson, Arizona 85726
– English
Catholic Community Services So. AZ Inc. Phone: 520-622-2801
Web: www.ccs-soaz.org
848 S 7th Ave
Tucson, Arizona 85701
– English
Chicanos Por la Causa Phone: (520) 882-0018
Web: www.cplc.org
200 N. Stone Avenue
Tucson, Arizona 85701
– English
Family Housing Resources, Inc. Phone: 520-318-0993
Web:
6700 N Oracle Rd. #100
Tucson, Arizona 85719
– English
MMI – Tucson/ East Tucson Phone: 800-308-2227
Web: www.moneymanagement.org
1607 North Wilmot Rd., Ste. 101D
Tucson, Arizona 85712
– English
MMI – Tucson/East Tucson Phone: 800-308-2227
Web: www.moneymanagement.org
4750 North Oracle Rd., Ste. 115
Tucson, Arizona 85712
– English
Old Pueblo Community Services Phone: 520-546-0122
Web: www.helptucson.org
4007 E. Paradise Falls Drive, Suite 125
Tucson, Arizona 85712
– English
Tucson Urban League Phone: 520-791-9522
Web: www.tucsonurbanleague.org
2305 South Park Avenue
Tucson, Arizona 85713
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Arizona

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
SOUTHEASTERN ARIZONA GOVERNMENTS ORGANIZATION P: 520-432-5301
T: 520-432-5301
F: 520-432-5858
E: jpacker@seago.org
W: N/A
1403
W. Highway 92
Bisbee, Arizona 85603
– English
– Spanish
COMMUNITY ACTION HUMAN RESOURCES AGENCY P: 520-466-1112
T:
F: 520-466-0013
E: drodriguez@cahrapinal.org
W: www.cahrapinal.org
311 N. Main Steet
ELOY, Arizona 85131-2511
– English
– Spanish
HOUSING SOLUTIONS OF NORTHERN ARIZONA, INC P: 928-214-7456
T:
F:
E: info@bothands.org
W: www.bothands.org
PO Box 30134
Flagstaff, Arizona 86003-0134
– English
– Spanish
NORTHERN ARIZONA COUNCIL OF GOVERNMENTS P: 928-213-5219
T:
F: 928-679-4248
E: kkroll-bradley@nacog.org
W: nacog@nacog.org
119 East Aspen Avenue
FLAGSTAFF, Arizona 86001-5222
– English
ADMINISTRATION OF RESOURCES AND CHOICES P: 602-374-2226
T:
F: 602-374-7566
E: igalarza@arc-az.org
W: www.arc-az.org
5800 W. Glenn Drive
Suite 253
GLENDALE, Arizona 85301-2468
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL, INC. GLENDALE,AZ P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
17505 N 79th Ave Ste 211-F
Glendale, Arizona 85308-8725
– English
– Spanish
WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG) – KINGMAN BRANCH OFFICE P: 928-753-6247
T:
F: 928-753-7038
E:
W: n/a
208 North 4th St.
KINGMAN, Arizona 86401-5815
– English
– Spanish
HOUSING COUNSELING AND EDUCATION SERVICES P: 480-833-0016
T:
F: 480-610-4789
E: tommy.medina@cplc.org
W: www.cplc.org
635 E. Broadway RD
MESA, Arizona 85204-2023
– English
– Spanish
SPRINGBOARD – MESA P:
T: 855-736-7729
F:
E: info@homeownership.org
W: www.homeownership.org
4140 East Baseline Road, Suite 101
MESA, Arizona 85206-4413
– English
– Other
– Spanish
CHICANOS POR LA CAUSA – NOGALES P: 520-281-9570
T:
F: 520-281-9689
E: tommy.medina@cplc.org
W: www.cplc.org
575 N. Grand Ave.
NOGALES, Arizona 85621-2710
– English
– Spanish
NOGALES COMMUNITY DEVELOPMENT CORPORATION P: 520-397-9219
T:
F: 520-397-9217
E: briggitb@nogalescdc.org
W: www.nogalescdc.org
124 B North Terrace Avenue
NOGALES, Arizona 85621-3248
– English
– Spanish
CHICANOS POR LA CAUSA, PHOENIX P: 602-253-0838
T:
F: 602-253-4203
E: tommy.medina@cplc.org
W: www.cplc.org
1402 S. Central Ave. Bldg. A
PHOENIX, Arizona 85004-2801
– English
– Spanish
COMMUNITY HOUSING RESOURCES OF ARIZONA P: 602-631-9780
T:
F: 602-631-9757
E: joann@communityhousingresources.org
W: www.comminityhousingresources.org
4020 N. 20th Street Suite 220
PHOENIX, Arizona 85016-6030
– English
– Spanish
GREATER PHOENIX URBAN LEAGUE P: 602-254-5611
T:
F:
E: N/A
W: site.notavailable.org
1402 S 7th Ave
Phoenix, Arizona 85007-3902
– English
– Spanish
LABOR’S COMMUNITY SERVICE AGENCY P: 602-263-5741
T:
F:
E: N/A
W: www.lcsaphx.org
3117 N 16th St
Phoenix, Arizona 85016-7677
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL PHOENIX PHONE CENTER P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
13430 N Black Canyon Hwy
Phoenix, Arizona 85029-1348
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL, INC. PHOENIX, AZ – CENTRAL P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
722 E Osborn Rd Ste 330
Phoenix, Arizona 85014-5278
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) PHOENIX, AZ P: 602-248-4408
T: 617-250-6222
F: 877-329-6222
E: N/A
W: https://www.naca.com
1150 E Jefferson St
Phoenix, Arizona 85034-2224
– English
– Spanish
NEIGHBORHOOD HOUSING SERVICES OF PHOENIX P: 602-258-1659
T:
F:
E: N/A
W: www.trellisaz.org
1405 E McDowell Rd Ste 100
Phoenix, Arizona 85006-2938
– English
– Spanish
NID-HCA PHOENIX RANDOLPH P: 602-685-1056
T:
F:
E: N/A
W: site.notavailable.org
668 N 44th St Ste 300
Phoenix, Arizona 85008-6524
– English
TAKE CHARGE AMERICA P: 623-266-6382
T: 866-987-2008
F:
E: housingppc@takechargeamerica.org
W: www.housinghelp.takechargeamerica.org
20620 N 19th Ave
Phoenix, Arizona 85027-3585
– English
– German
– Spanish
CAMPESINOS SIN FRONTERAS P: 928-627-9711
T:
F: 928-627-7446
E: nramirez@campesinossinfronteras.org
W: campesinossinfronteras.org
788 E. B Street
San Luis, Arizona 85349
– English
– Spanish
CREDIT ADVISORS FOUNDATION P: 402-514-3340
T:
F:
E: lisa@creditadvisors.org
W: www.creditadvisors.org
7525 E Camelback Rd Ste 210
Scottsdale, Arizona 85251-3550
– English
– Korean
– Other
– Spanish
HOUSING AMERICA CORPORATION P: 928-627-4221
T:
F: 928-627-4213
E: ggarza@hacorp.org
W: www.housingamericacorp.com/
130 North State Avenue
Somerton, Arizona 85350
– English
– Spanish
GREENPATH DEBT SOLUTIONS P: 888-860-4167
T:
F:
E: N/A
W: www.greenpath.com
401 W Baseline Rd
Suite 105
Tempe, Arizona 85283-5348
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL, INC. TEMPE, AZ P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
1 W Elliot Rd Ste 101
Tempe, Arizona 85284-1310
– English
– Spanish
NEWTOWN COMMUNITY DEVELOPMENT CORPORATION P: 480-517-1589
T:
F:
E: N/A
W: www.newtowncdc.org
511 W University Dr Ste 4
Tempe, Arizona 85281-5585
– English
– Spanish
ADMINISTRATION OF RESOURCES AND CHOICES P: 520-623-2610
T:
F: 520-623-9577
E: rbejarano@arc-az.org
W: ARC-AZ.ORG
3003 S. Country Club Road
Suite 219
TUCSON, Arizona 85713-4082
– English
– Spanish
CATHOLIC COMMUNITY SERVICES OF SO. ARIZONA,INC. DBA PIO DECIMO CENTER P: 520-622-2801
T:
F: 520-622-4704
E: JMora@ccs-pio.org
W: www.ccs-soaz.org
848 S 7th Ave
Tucson, Arizona 85701-2627
– ASL
– English
– Other
– Spanish
CHICANOS POR LA CAUSA-TUCSON P: 520-882-0018
T:
F: 520-884-9007
E: tommy.medina@cplc.org
W: www.cplc.org
2550 E. Fort Lowell Rd
TUCSON, Arizona 85716-1514
– English
– Spanish
FAMILY HOUSING RESOURCES P: 520-318-0993
T:
F:
E: N/A
W: site.notavailable.org
1700 E Fort Lowell Rd Ste 101
Tucson, Arizona 85719-2395
– English
– Spanish
MONEY MANAGEMENT, INC TUSCON, AZ – NW P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
4760 N Oracle Rd Ste 302
Tucson, Arizona 85705-1677
– English
– Spanish
OLD PUEBLO HOUSING DEVELOPMENT, INC. P: 520-546-0122
T:
F: 520-777-4512
E: terrygalligan@helptucson.org
W: https://www.oldpueblohousing.org
4501 E 5th St
Tucson, Arizona 85711-7015
– English
– Spanish
SOUTHWEST FAIR HOUSING COUNSEL P: 520-798-1568
T: 855-300-7867
F: 520-620-6796
E: emartinez@swfhc.com
W: www.swfhc.com
2030 E. Broadway Blvd., Suite 106
TUCSON, Arizona 85719-5908
– English
– Spanish
THE PRIMAVERA FOUNDATION, INC. P: 520-882-5383
T:
F:
E: N/A
W: www.primavera.org
151 W 40th St
Tucson, Arizona 85713-3994
– English
– Spanish
TUCSON URBAN LEAGUE P: 520-791-9522-2600
T:
F: 520-382-1461
E: N/A
W: www.tucsonurbanleague.org
2305 S Park Ave
Tucson, Arizona 85713-3644
– English
– Spanish
WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG) P: 928-217-7123
T:
F:
E: ginaw@wacog.com
W: www.wacog.com
224 S 3rd Ave
Yuma, Arizona 85364-2224
– ASL
– English
– Spanish

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Arizona, please visit the HUD website.