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Foreclosure sale date set in Arizona: what you can still do

Once an Arizona trustee's sale is scheduled, the key deadline is 5:00 p.m. Mountain Standard Time on the last business day before the sale. That is the cutoff both to reinstate and to get a court order. After the sale there is no redemption, so act before that deadline.

Free HUD counselor: (800) 569-4287

Reviewed against Arizona law and official sources on October 11, 2026. General information, not legal advice.

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Options still open before a sale in Arizona

  • Reinstate

    Before 5:00 p.m. Mountain Standard Time on the last day, other than a Saturday or legal holiday, before the sale

    Call the trustee at the telephone number printed on the Notice of Trustee's Sale for the reinstatement amount and accepted forms of payment. Leave time for funds to arrive.

    Ariz. Rev. Stat. §§ 33-813, 33-808

  • Confirm whether the sale is still on

    Up to the time of the sale

    Postponements are announced out loud at the time and place set for the sale. After a postponement, the trustee must give the date and time of the next scheduled sale to anyone who asks, so call the trustee.

    Ariz. Rev. Stat. § 33-810(B)

  • Ask the servicer for a postponement

    Before the sale

    If you have a complete loss mitigation application, a refinance or a sale pending, ask the servicer in writing to have the trustee postpone. Any new date must be within 90 days.

    Ariz. Rev. Stat. § 33-810(B)

  • Get a court order

    Order entered before 5:00 p.m. Mountain Standard Time on the last business day before the sale

    A lawyer must file an action and obtain a Rule 65 order by this cutoff, and deliver it to the trustee within 24 hours. Objections not raised this way are waived.

    Ariz. Rev. Stat. § 33-811(C)

  • Bankruptcy

    Filed before the sale is completed

    A bankruptcy filing creates an automatic stay. It has serious long term effects, so speak with a bankruptcy attorney before you decide, and make sure the trustee is told at once.

    11 U.S.C. § 362; Ariz. Rev. Stat. § 33-810(C)

Call today, not tomorrow

With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Arizona.

Common questions in Arizona

How do I check if my Arizona trustee's sale was postponed?

Call the trustee listed on your Notice of Trustee's Sale. Under Ariz. Rev. Stat. § 33-810(B) the trustee must, on request, provide the date and time of the next scheduled sale after a postponement. No new written notice is sent.

Where is an Arizona trustee's sale held?

At the place named in the Notice of Trustee's Sale, on the date and at the time stated there. The trustee offers the property at public auction for cash to the highest bidder.

Can I stop an Arizona trustee's sale on the morning of the sale?

Your state law options have mostly passed by then. The reinstatement right and the deadline for a court order both end at 5:00 p.m. on the last business day before the sale. A lawyer can tell you whether anything else, such as bankruptcy, is still possible.

Step by step

More on foreclosure in Arizona

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

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Sources for this page

  1. Ariz. Rev. Stat. § 33-810 (sale by public auction; postponement)
  2. Ariz. Rev. Stat. § 12-1175 (forcible detainer complaint and summons)
  3. Ariz. Rev. Stat. § 12-1178 (judgment; writ of restitution)
  4. Ariz. Rev. Stat. § 44-1378 (foreclosure consultants, definitions)
  5. U.S. Courts: Chapter 13 Bankruptcy Basics (automatic stay)
  6. Ariz. Rev. Stat. § 33-807 (sale of trust property)
  7. Ariz. Rev. Stat. § 33-808 (notice of trustee's sale)
  8. Ariz. Rev. Stat. § 33-809 (mailing of notice of sale)
  9. Ariz. Rev. Stat. § 33-811 (trustee's deed, no redemption)
  10. Ariz. Rev. Stat. § 33-812 (disposition of proceeds of sale)
  11. Ariz. Rev. Stat. § 33-813 (reinstatement)
  12. Ariz. Rev. Stat. § 33-814 (deficiency after trustee's sale)
  13. Ariz. Rev. Stat. § 33-729 (purchase money mortgage, limit on liability)
  14. Ariz. Rev. Stat. § 12-1282 (time for redemption after judicial sale)
  15. Ariz. Rev. Stat. § 12-1173.01 (forcible detainer after trustee's sale)
  16. Ariz. Rev. Stat. § 44-1378.02 (foreclosure consultants, prohibited acts)
  17. Ariz. Rev. Stat. § 44-1378.04 (foreclosure consultants, right of cancellation)
  18. U.S. Treasury: Homeowner Assistance Fund (program ended September 30, 2026)
  19. CFPB: 12 C.F.R. § 1024.41 Loss mitigation procedures
  20. State Bar of Arizona: Legal Aid Resources