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Arizona · Arizona guide

Arizona

Property address

Street, city, and ZIP. This stays free. It does not start checkout.

A hypothetical Arizona HOA collection case (not a real filing)

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This product is not a substitute for the advice of an attorney.

Video spot for a second case

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This product is not a substitute for the advice of an attorney.

Public reporting: unpaid fees that started small, then an attorney-cost balloon and an auction. Arizona guide — what-paper triage, judicial common-expense foreclosure under A.R.S. § 33-1807 / § 33-1256 (18 months or $10,000 assessments, whichever first as of filing), fee-ledger coaching without a Texas invoice statute, Maricopa/Pima/Pinal/Yavapai clerk links, prompt kits. This page is free information. No checkout is open. Verify official text. Consult a licensed Arizona attorney. Do not paste another state’s cites into your letter.

State guideFight CoachKey dates & risks

Arizona · guide

What paper do you have?

Pick the page in your hand. Arizona association foreclosure is a Superior Court case, not a trustee sale.

Next. Photograph it and save it in your Drive. You send every email.

Training example · AZ

A hypothetical Arizona HOA collection case (not a real filing)

An Arizona county

§ 33-1807 foreclosure path

Hypothetical example. Planned-community assessment foreclosure under A.R.S. § 33-1807 is a Superior Court case, in the manner of a mortgage. It is not a deed-of-trust trustee sale and not Texas Rule 736. A missed answer is how a default foreclosure proceeds in the statute. Questions homeowners often review with a licensed Arizona attorney include the date printed on the summons.

Hypothetical teaching example. Not a court file and not a promised result. Fight Coach does not file or appear.

Arizona Legislature · A.R.S. § 33-1807

No Arizona deadline was calculated. This organizer does not add days for service, mail, a summons, a default application, publication, or a trustee notice. Verify with an Arizona lawyer. YOUR paper is the clock.

This free page provides general educational questions and source links. It does not sell a kit. No checkout is open.

Fight Coach is coaching on the prompts to use in ChatGPT and Grok. We do not file, appear, represent you, or send email. You edit. You send.

Beginner path
  1. Photograph and save the papers. On your phone, photograph each page. Park the pile in your Drive. This app stores filenames only.
  2. Identify the stage. Use “what paper do you have?” Assessment, collection, lien, lawsuit, judgment sale, and a lender trustee sale are different tracks.
  3. Calendar dates you can read. Type the date printed on the summons, the default application, or the sale notice. Do not ask the app to add days.
  4. Preserve proof. Keep the envelope, the ledger, the certified notice, any payment-plan writing, and a note of what you sent. You hold the file.
  5. You always send. You press Send. You or an Arizona lawyer file. Fight Coach does not.
Fee spiral and ledger

Fee spiral versus the assessment threshold

Arizona version of the fee spiral: a small assessment, then late charges, collection costs, and attorney lines, then a Superior Court case. The foreclosure test in §§ 33-1807(A) and 33-1256(A) is assessments — eighteen months or $10,000 or more, whichever occurs first, on the date the action is filed. Fees are not a substitute for that test. Member and unit-owner expenses are not this common-expense lien. Unless you direct otherwise, payments apply first to unpaid assessments, then due-but-not-delinquent assessments, then authorized late charges on those assessments, then reasonable collection fees, then attorney fees and costs if awarded by a court, and only then to other fees, penalties, and interest. Ask for the statement of account with ledger history. After turnover, subsection (M) says the attorney or collection agency’s statement includes amounts claimed, including attorney fees, whether or not reduced to judgment. Asking for invoices is a records request. It is not a Texas invoice statute, and it does not replace an answer if you were served. This app does not send the request.

A.R.S. § 33-1807(A), (B), (K), (M) / § 33-1256
Two books — do not assume
  • Planned community (§ 33-1807) versus condominium (§ 33-1256). Letterhead is not the book.
  • Timeshare plans are outside § 33-1256. Do not force that section onto chapter 20.
  • Common-expense foreclosure is judicial, in the same manner as a mortgage. It is not a trustee power of sale.
  • Member or unit-owner expenses are a different lien. That judgment lien may not be foreclosed.
  • A notice of trustee’s sale is the deed-of-trust book (§§ 33-807 and 33-808), even if an association is mentioned nearby.
  • County changes the clerk, the portal, and the docket. It does not change § 33-1807 or § 33-1256.
  • Weekends, holidays, out-of-state service, waiver of service, and a motion under Rule 12 can change a response date. The published Rule 12 discussion of twenty days is not a date this app adds. The summons must state the time to appear and plead. Verify with an Arizona lawyer.
  • Supreme Court No. R-25-0032, effective January 1, 2026, rewrites Rule 55(a) so default is effective ten days after the application is filed, excluding weekends and holidays, with no extra mail days. That count belongs on the application in your hand. This app does not add those days. Verify with an Arizona lawyer.
  • Eighteen months or $10,000 is measured on the date the action is filed, from assessments, not from a payoff screen and not from attorney lines. A special assessment with an initial value of $10,000 or more uses only the eighteen-month threshold. This app does not decide whether YOUR ledger meets either test. Verify with an Arizona lawyer.
  • A common-expense lien is extinguished unless proceedings to enforce it are instituted within six years after the full amount becomes due. When that clock started on YOUR assessment is fact-specific. This app does not compute a bar date. Verify with an Arizona lawyer.
  • On written request the association shall furnish a lien statement within ten days. Failure to provide it to a licensed escrow agent can extinguish a lien for unpaid assessments then due. This app does not count ten days and does not declare a lien extinguished. Verify with an Arizona lawyer.
  • A missing thirty-day certified notice or a missing payment-plan letter is a paper hunt, not an automatic dismissal this app can enter. Verify with an Arizona lawyer.
  • Member expenses and unit-owner expenses are not enforceable as common-expense liens. A later judgment lien for those expenses may not be foreclosed. Whether a charge on YOUR ledger is an assessment or a member expense is fact-specific. Verify with an Arizona lawyer.
  • A.R.S. § 33-1256(P) excludes timeshare plans and associations subject to title 33, chapter 20. Do not paste the condominium section onto a timeshare. Verify with an Arizona lawyer.
  • The ninety-first day, posting, and publication sentences in A.R.S. §§ 33-807 and 33-808 belong to a deed of trust. They are not the association common-expense foreclosure path. This app does not add those days and does not file a Rule 65 order. Verify with an Arizona lawyer.
  • Unless you direct otherwise, payments follow the statutory order, and attorney fees in that order are fees incurred with respect to those assessments if awarded by a court. A payoff screen is not that award. Verify with an Arizona lawyer.
Maricopa, Pima, Pinal, Yavapai

County is venue, e-file, calendars, and docket lookup. It is not a different foreclosure statute. Maricopa, Pima, Pinal, and Yavapai share A.R.S. §§ 33-1807 and 33-1256. A trustee-sale notice is still the deed-of-trust book. Fight Coach does not e-file. Accessed 2026-09-22.

Maricopa County (Phoenix)

Venue
Read the caption for Superior Court. This screen does not pick your judge or courthouse.
E-file
The statewide chart marks Maricopa civil initiation and subsequent filings as available in eFileAZ, and describes AZTurboCourt as a limited civil portal. Criminal and juvenile delinquency are not in eFileAZ. Fight Coach does not e-file.
Calendars
Look up the case on the Superior Court public docket. Write the setting on a calendar you own. Do not paste the case number into this app.
Sale notices
A common-expense foreclosure sale, if one is ordered, is a court path. Type the date on the judgment or sheriff paper. A notice of trustee’s sale is §§ 33-807 and 33-808. This screen does not list sales.

Pima County (Tucson)

Venue
Read the caption. The Clerk of the Superior Court page is the venue host.
E-file
The statewide chart marks Pima civil initiation and subsequent filings as available in eFileAZ. The clerk case-records page points to e-filing FAQs. Fight Coach does not e-file.
Calendars
Use the clerk’s Public Record Search or eAccess. The clerk says online information is not the official record. Write dates you can see.
Sale notices
Type the sale date on YOUR paper. Do not treat a trustee-sale notice as an association common-expense foreclosure.

Pinal County (Florence)

Venue
Read the caption. Open the Clerk of the Superior Court site. This screen does not pick the division.
E-file
The statewide chart marks Pinal civil initiation and subsequent filings as available in eFileAZ. The clerk site returned HTTP 403 to this client — open it in a browser. Fight Coach does not e-file.
Calendars
The clerk’s court-records page points people to Arizona courts for case information. Write the setting you can verify. This app does not compute it.
Sale notices
Sale notices are on the paper, not on a Pinal-only calendar this pack invents. Trustee sales stay in the deed-of-trust book.

Yavapai County (Prescott)

Venue
Read the caption for Superior Court in Prescott or Camp Verde. This screen does not choose the courthouse.
E-file
The clerk e-filing page and the statewide chart both point at civil e-filing. The chart marks Yavapai civil initiation and subsequent filings as available. Fight Coach does not e-file.
Calendars
Use the county case-lookup page. Write the setting. This app does not appear.
Sale notices
Type the date on the judgment, sheriff, or trustee notice. Do not invent a Prescott sale board.

Arizona sources accessed 2026-09-22 — re-verify official text before you rely on a number.

Prompt kits — drafts only

This free page provides general educational questions and source links. It does not sell a kit. No checkout is open.

Official sources and limits
  • A.R.S. § 33-1807 — planned communities (azleg.gov)official-statute · accessed 2026-09-22. Common-expense lien from the time the assessment is due. Foreclosed in the same manner as a mortgage, and only if the owner has been and remains delinquent for eighteen months or $10,000 or more, whichever occurs first, measured on the date the action is filed. A special assessment with an initial value of $10,000 or more uses only the eighteen-month threshold. Board must exercise reasonable efforts to communicate and offer a reasonable payment plan before filing. Member expenses are not this lien. Payment order, thirty-day certified collection notice, statement of account, and six-year enforcement hunt are in this section.
  • A.R.S. § 33-1256 — condominiums (azleg.gov)official-statute · accessed 2026-09-22. Parallel common-expense lien rules for a unit, using “unit owner” instead of “member.” Subsection P: this section does not apply to timeshare plans or associations subject to title 33, chapter 20. Do not treat the two books as one document.
  • A.R.S. § 33-807 — sale of trust property (azleg.gov)official-statute · accessed 2026-09-22. Deed-of-trust book, not the association common-expense book. A trustee power of sale exists for trust property. Subsection D: that power shall not be exercised before the ninety-first day after the notice of sale is recorded. The beneficiary may instead foreclose as a mortgage. This app does not add ninety-one days.
  • A.R.S. § 33-808 — notice of trustee’s sale (azleg.gov)official-statute · accessed 2026-09-22. Deed-of-trust notice methods: record, mail as § 33-809 provides, post, and publish. The notice’s own date, time, and place control. The statutory warning discusses a Rule 65 court order. This app does not file that order, does not count publication days, and does not change a sale date.
  • Ariz. R. Civ. P. 12 — Westlaw rules hostofficial-court · accessed 2026-09-22. Published responsive-pleading rule. Teaching only: generally 20 days after service of the summons and complaint, with stated exceptions, including Rule 4.2. Automated fetch received HTTP 403 on this date — open the page in a browser. YOUR summons controls. This app does not add days.
  • Arizona Supreme Court No. R-25-0032 — Rules 4 and 55(a)official-court · accessed 2026-09-22. Order filed August 28, 2025, effective January 1, 2026. Rewrites Rule 55(a): default is effective 10 days after the application is filed, and the application must carry bold warning text about that window, weekends, and holidays. The summons must state the time to appear and plead. This app does not count those days. Read the application in your hand.
  • Arizona Judicial Branchofficial-court · accessed 2026-09-22. Statewide court host. Not a filing service.
  • Arizona courts self-service centerofficial-court · accessed 2026-09-22. Lookup and form host. Not a filing service and not an appearance.
  • eFileAZ — statewide e-filing portalofficial-portal · accessed 2026-09-22. Arizona Judicial Branch e-filing sign-in. Lookup only. Fight Coach does not e-file.
  • Superior Court eFiling availability chartofficial-court · accessed 2026-09-22. Chart last updated April 17, 2026 on the page read this date. Civil initiation and subsequent filings are marked I/S for Maricopa, Pima, Pinal, and Yavapai. AZTurboCourt is described as a limited civil portal. Maricopa criminal and juvenile delinquency are excluded from eFileAZ. Re-open the chart. We do not file.
  • eAccess — superior court case recordsofficial-portal · accessed 2026-09-22. Statewide civil and criminal superior-court records for cases filed on or after July 1, 2010, with the Pima criminal limit stated on the page. Application: https://eaccess.azcourts.gov/ . Not the official clerk stamp. Do not paste a case number into this app.
  • Maricopa Superior Court public docketofficial-clerk · accessed 2026-09-22. Public calendars, case information, and minute entries for civil, criminal, family, and probate. The clerk home at clerkofcourt.maricopa.gov returned HTTP 403 to this client — open it in a browser. Lookup only.
  • Pima County Clerk of the Superior Court — case recordsofficial-clerk · accessed 2026-09-22. Clerk page naming Public Record Search, e-filing FAQs, and eAccess. Clerk home: https://www.cosc.pima.gov/ . The page says online information is not the official record. Lookup only.
  • Pinal County Clerk of the Superior Courtofficial-clerk · accessed 2026-09-22. Official clerk host. CivicPlus returned HTTP 403 to this client. Court-copy page: https://www.coscpinalcountyaz.gov/166/Request-Copies-of-Court-Records . Open both in a browser. We do not file.
  • Yavapai County Clerk — e-filingofficial-clerk · accessed 2026-09-22. Clerk e-filing page for civil and other case types. Lookup only. Fight Coach does not e-file.
  • Yavapai County case lookupofficial-clerk · accessed 2026-09-22. County case-lookup task page. Write dates you can see. Do not paste a case number into this app.

Arizona sources accessed 2026-09-22 — re-verify official text before you rely on a number. Verify with an Arizona lawyer. This page is free information. No checkout is open. This screen does not file or send for you.

Full teaching beats

Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Arizona judicial HOA · don’t default

If a Superior Court complaint is served, the summons — not the fee pile — is the clock.

Arizona common-expense foreclosure is a judicial action taught as mortgage-style, not Texas Rule 736. If you were served, calendar the answer date from YOUR summons. ARCP 12(a) generally discusses 20 days after service, with exceptions. This app does not compute that date and does not file. Missing an answer is how defaults happen while you argue fees.

No timely answer → default risk in a judicial foreclosure. Supreme Court No. R-25-0032 (effective January 1, 2026) rewrites Rule 55(a): read the bold warning on any application for entry of default. This app does not add those days. Fight Coach does not answer, appear, or change a sale date.

Fee spiral versus the assessment threshold

Arizona version of the fee spiral: a small assessment, then late charges, collection costs, and attorney lines, then a Superior Court case. The foreclosure test in §§ 33-1807(A) and 33-1256(A) is assessments — eighteen months or $10,000 or more, whichever occurs first, on the date the action is filed. Fees are not a substitute for that test. Member and unit-owner expenses are not this common-expense lien. Unless you direct otherwise, payments apply first to unpaid assessments, then due-but-not-delinquent assessments, then authorized late charges on those assessments, then reasonable collection fees, then attorney fees and costs if awarded by a court, and only then to other fees, penalties, and interest. Ask for the statement of account with ledger history. After turnover, subsection (M) says the attorney or collection agency’s statement includes amounts claimed, including attorney fees, whether or not reduced to judgment. Asking for invoices is a records request. It is not a Texas invoice statute, and it does not replace an answer if you were served. This app does not send the request.

Coach beats — not conclusions

Which Arizona book

Planned community and condominium statutes are parallel on foreclosure thresholds, payment-plan efforts, certified collection notice, and payment application — but they are still two books. Pick one before you copy a prompt.

A.R.S. § 33-1807 / § 33-1256 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

18 months or $10,000 — assessments, as of filing

Official text uses whichever occurs first, measured on the date the action is filed. Special assessments that start at $10,000 or more use only the eighteen-month clock. Hunt the complaint’s filing date and split the ledger before anyone treats fees as the trigger.

A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Payment-plan + 30-day certified notice

Two beats to hunt, not as guaranteed outcomes: (1) reasonable efforts to communicate and offer a reasonable payment plan before filing; (2) a 30-day certified-mail notice before attorney or outside collection starts. Photograph the pages.

A.R.S. § 33-1807(A),(L) / § 33-1256(A),(L) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Superior Court answer calendar

Judicial foreclosure. YOUR summons is the clock. ARCP 12(a) teaching: generally 20 days after service of summons and complaint, with stated exceptions. Supreme Court No. R-25-0032 (effective January 1, 2026) says the summons must state that time, and rewrites Rule 55(a) so a default application carries its own ten-day warning. Write the date from the paper. This app does not add days. We do not file an answer.

Ariz. R. Civ. P. 12(a) / R-25-0032 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Thin county note — Maricopa / Pima / Pinal / Yavapai

Same statewide sections in every Arizona county. What changes is the clerk and the portal. eFileAZ is the statewide sign-in. The Judicial Branch chart (page dated April 17, 2026) marks civil initiation and subsequent filings available for these four counties. Maricopa’s public docket is the calendar lookup. Fight Coach does not e-file and does not publish a sale list.

County clerks (educational) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Timing modes · educational

Neither mode files for you or removes a setting. Ideal is ≥ 2 days. Day-Before Sprint is overnight kits → file what the clerk allows → still show up.

Ideal

≥ 2 days before the answer date on YOUR summons

  1. Photograph the summons, complaint, ledger, 30-day collection notice, and any payment-plan paper.
  2. Challenge-me the file today. Fight Coach guides what to ask next. You review. This app does not file.
  3. File what the Superior Court / e-file portal actually accepts — you or licensed Arizona counsel. We do not.
  4. Calendar the next setting. Appear or have counsel appear.

More than one night of fog. Not a promise the case is dismissed.

Day-Before Sprint

Overnight / the day before the answer date

  1. Overnight: Fight Coach guides what to ask next. You review before anything is filed. This app does not e-file.
  2. File what the clerk still allows, or reach a licensed Arizona attorney. This app does not e-file.
  3. Still be courthouse-ready with paper copies, ID, and the case number.
  4. Do not expect the foreclosure to come off the docket because you sprinted.

Questions homeowners often review with a licensed attorney include any date printed on a notice. This screen does not file for you.

Prompt kits in Fight Coach

This free page provides general educational questions and source links. It does not sell a kit. No checkout is open. We do not generate a court-ready paper.

Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Official hosts to re-verify

Teaching points — not conclusions

Planned community vs condo first

Ask which statute book they are using. Do not paste Texas § 209 or Rule 736 language into an Arizona letter.

A.R.S. § 33-1807 / § 33-1256 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Foreclosure threshold — assessments only

Official azleg.gov text (fetched 2026-09-20): a common-expense lien may be foreclosed only if the owner has been and remains delinquent on any assessment or portion of it for eighteen months or in the amount of $10,000 or more, whichever occurs first, as determined on the date the action is filed. For a special assessment with an initial value of $10,000 or more, only the eighteen-month threshold applies. Fees are not a substitute for that assessment test. Re-verify the live section before you write.

A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Member / unit-owner expenses are not this foreclosure lien

Official text: member expenses (planned) / unit owner expenses (condo) are not enforceable as common-expense liens. The association may have a judgment lien after a civil judgment and recording — that judgment lien may not be foreclosed and is effective only on conveyance.

A.R.S. § 33-1807(B) / § 33-1256(B) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Payment-plan beat before filing

Official text: the association board shall exercise reasonable efforts to communicate with the member / unit owner and offer a reasonable payment plan before filing a foreclosure action. Hunt the written offer. Oral “we will work with you” is not the paper.

A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

30-day certified notice before attorney collection

Official text: at least thirty days before authorizing an attorney or a collection agency that is not the managing agent to begin collection, the association must send a statutory delinquency notice by certified mail, return receipt requested. Open the section and compare the page in YOUR stack. Do not invent that a missing page automatically kills the file.

A.R.S. § 33-1807(L) / § 33-1256(L) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Payment waterfall — assessments first

Official text (unless the member/unit owner directs otherwise): payments apply first to unpaid assessments, then due-but-not-delinquent assessments, then late charges on those assessments if the declaration authorizes them, then reasonable collection fees, then attorney fees and costs if awarded by a court — then other fees, charges, monetary penalties, and interest. Arizona’s order is not Florida’s order.

A.R.S. § 33-1807(K) / § 33-1256(K) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Superior Court answer — YOUR summons is the clock

Arizona HOA foreclosure of a common-expense lien is taught as a judicial action in the same manner as a mortgage. Ariz. R. Civ. P. 12(a) generally requires an answer or other responsive pleading within 20 days after being served with the summons and complaint, with exceptions (including out-of-state service under Rule 4.2). This app does not compute YOUR deadline. Read the summons. Write that date on a calendar you own. Missing an answer can lead to default — open current Rule 55 with a licensed Arizona attorney. We do not file.

Ariz. R. Civ. P. 12(a) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Training example · § 33-1807 foreclosure path

A hypothetical Arizona HOA collection case (not a real filing) An Arizona county. Hypothetical example. Planned-community assessment foreclosure under A.R.S. § 33-1807 is a Superior Court case, in the manner of a mortgage. It is not a deed-of-trust trustee sale and not Texas Rule 736. A missed answer is how a default foreclosure proceeds in the statute. Questions homeowners often review with a licensed Arizona attorney include the date printed on the summons. Hypothetical teaching example. Not a court file and not a promised result. Fight Coach does not file or appear.

A.R.S. § 33-1807 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Questions this overlay asks

  • Training pattern: A hypothetical Arizona HOA collection case (not a real filing). A.R.S. § 33-1807 foreclosure is a Superior Court case. A missed answer is the default path described by the statute. Questions homeowners often review with a licensed Arizona attorney include the date printed on the summons.A.R.S. § 33-1807 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • Planned community (33-1807) or condo (33-1256)? Letterhead is not the book.A.R.S. § 33-1807 / § 33-1256 · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • How many months delinquent on assessments only (your count from the statement), as of any filing date on the complaint?A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • What dollar amount on the statement is assessments versus fees? Official threshold is assessments, $10,000 or 18 months, whichever first as of filing — re-verify.A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • Any special assessment with an initial value of $10,000 or more? Official text then uses only the 18-month threshold.A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • Written board payment-plan / communication effort — or only oral “shortly”?A.R.S. § 33-1807(A) / § 33-1256(A) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • Certified-mail 30-day collection-turnover notice in the stack?A.R.S. § 33-1807(L) / § 33-1256(L) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • If a complaint is filed: what date is on YOUR summons? That is the answer clock — not a date this app invents.Ariz. R. Civ. P. 12(a) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.
  • Current statement of account (ledger history), not only a payoff screen?A.R.S. § 33-1807(M) / § 33-1256(M) · Cites as of 2026-09-20 — re-verify official text before you rely on a number.

Cross-state pattern

  1. Community type first (HOA / planned / condo). Letterhead is not the book.
  2. Assessments vs fines vs attorney fees on YOUR ledger — split before you write.
  3. Chronology: miss → collection → attorney → lien → filing → hearing/sale.
  4. Itemized invoices. A ledger line is not an invoice.
  5. Calendar clocks you own. Do not skip a hearing.
  6. You are the only sender. This site never files or mails.
  7. If a sale or setting is inside 14–30 days: talk to a licensed local attorney first, then a one-page counsel brief if they ask for one. Fight Coach does not appear.

Red flags (awareness)

  • Fees treated as if they were assessments for the 18-month / $10,000 test
  • Pasting Texas Rule 736 into an Arizona Superior Court file
  • Oral payment-plan “yes” with nothing in writing
  • No itemized attorney invoices after collection turnover
  • Computing a 20-day answer date in this app instead of reading the summons
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