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Updated almost 5 years ago,
AZ TLC 4closure, 30 Day Notice: Separate notices 4 husband&Wife?
I own two 2018 Tax Lien Sale Certificates of Purchase in Arizona, and I read the law governing the 30 day notice before the foreclosure at https://www.azleg.gov/ars/42/18202.htm , as well as the law governing the foreclosure itself at https://www.azleg.gov/ars/42/18201.htm
1) Let's say a property is owned by John and Jane Doe, both living at the property itself, and receiving all their mail at the property itself. Do I send a single letter to both, a separate letter for each, or three letters: one addressed to both, and one to each of them ?
2) Let's say the liens were sold on February 21, 2018. If I understand the law correctly, I can start the foreclosure on February 22, 2021. Does that mean I can send them the 30 day notices as early as September 1, 2020 ? And, if I do so, will I then have a very narrow time window to start the foreclosure, i.e. between February 22, 2021 and 180 or 179 days after September 1, 2020 ?
3) If I send the notices and the owners decide to neither redeem the properties, nor deed them to me, and I hire a lawyer in February 2021 to start the foreclosure, and provide him with proof that I sent the notices. Can the lawyer start the foreclosure on my behalf without re-sending the 30 days notices, or will the lawyer have to re-send the 30 day notices anyway ?