Learn how the Arizona foreclosure process works, including preforeclosure steps, state foreclosure laws, and homeowner rights. A demand letter is not statutorily required.Is a Borrower Personally Liable After Foreclosure? Filing for a Arizona Chapter 13 bankruptcy allows homeowners in Phoenix, Tucson and throughout Arizona to develop a new payment plan with the lender. Preventing foreclosure and saving homes in Phoenix, AZ, and the Greater Valley Area. Call (602) 466-9631 to learn more today. In this guide, I'll explain the process and timing for private mortgage lenders to complete a foreclosure in the state of Arizona. A trustee's sale or judicial foreclosure are two of the processes a lender can use when there is a default of the original loan agreement. Our experienced attorneys want to keep you in that home and are here to provide support to avoid foreclosure. With 7 different locations, we can help you.