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BEFORE PROCEEDING WITH A SHORT SALE
      (CONTINUED)

      4. CONTACT A FREE HUD-APPROVED HOUSING COUNSELOR               Contact the Lawyer Referral Service in your county where
      OR CONTACT YOUR LENDER DIRECTLY
      Contact a HUD-approved housing counseling agency online or call   you can consult with an attorney for a small fee for a half-
      (800) 569-4287 or TDD (800) 877-8339 for advice on your options.   hour consultation.
      For additional HUD resources, go to:                             Maricopa County:
      http://1.usa.gov/1rG3J4N, http://1.usa.gov/1RGTrxD or            http://maricopalawyers.org/ or (602) 257-4434.
      http://1.usa.gov/YDHdxS
           Contact the Neighborhood Assistance Corporation of         Pima County:
             America at                                                http://www.pimacountybar.org/ or (520) 623-4625
             https://www.naca.com/home-save/
                                                                     Attorneys who are State Bar Real Estate Law Certified
         •   Contact the lender directly. To find the lender’s contact   Specialists can be located at
             information, check the loan billing statement, or coupon   www.azbar.org/LegalResources/findspecialist.cfm.
             book. Ask for the lender's home retention department,
             loss mitigation department, (or other department that
             handles negotiation of loans in default); explain the   7. OBTAIN TAX ADVICE
             situation and find out if the lender is willing to discuss
             options.                                              •   IRS Self Help or contact a local IRS office

      5. UTILIZE FREE SERVICES AVAILABLE TO ARIZONA                    https://www.irs.gov/Help-&-Resources
      RESIDENTS                                                    •   Attorneys who are State Bar Tax Law Certified Specialists

           Contact the Arizona Foreclosure Helpline at 1-877-448-     can be located at
             1211 or visit                                             www.azbar.org/LegalResources/findspecialist.cfm

             http://1.usa.gov/1OTz8ug

         •   Review the Arizona Foreclosure Prevention Task Force   8. BE AWARE OF THE CONSEQUENCES OF COMMITTING
             Workbook. This book will help you evaluate your options   “WASTE”
             and provide you with tools to take action.         Damaging the property or removing fixtures such as sinks, toilets,
             http://bit.ly/1GIVQls                              cabinets, air conditioners, and water heaters may result in liability
                                                                to the lender for “waste.” In other words, the lender may be able
           Arizona Department of Housing                       to sue you for damages if you have physically abused, damaged or
             www.azhousing.gov/                                 destroyed any part of the property.


      6. OBTAIN LEGAL ADVICE
      An attorney can advise you about your options and legal liability.
         •   To find out if you are eligible for free or low cost legal
             assistance, contact a legal aid organization in your county
             or one of the organizations listed at

             http://bit.ly/1lUlg9q
             www.azlawhelp.org/housing.cfm





                             Page | 2 of 6 Arizona Association of REALTORS® Short Sale Seller Advisory (March 2016)
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