# Arizona HOA Assessment Collection: The 30-Day Notice Rule (2026) > Under Arizona Revised Statutes 33-1807, before an HOA can authorize an attorney or a third-party collection agency to begin collection on a delinquent account, it has to send the owner a written notice at least 30 days in advance. The notice is specific: it must state that the account is delinquent, that the owner has 30 days to bring it current or make approved arrangements, and that collection could include a foreclosure action, and it has to be in boldface type or all capital letters with contact information for someone the owner can reach. For a buyer, the delinquency rate and the collection pattern in the packet are signals of the association's financial health. _Source: https://hoanotes.com/hoa/arizona/assessment-liens/ | Last reviewed 2026-06-03_ ## What the law requires before collection Arizona Revised Statutes 33-1807 puts a notice step in front of outside collection. Before the association can authorize an attorney, or a collection agency that is not its managing agent, to begin collection activity on a delinquent account, it has to give the owner at least 30 days written notice at the owner's address on file. The notice has required content and format. It must tell the owner the account is delinquent, that the owner has 30 days to bring it current or make approved arrangements, and that collection proceedings could include a foreclosure action against the property. It has to appear in boldface type or all capital letters and include contact information for a person the owner can reach to discuss payment. A collection referral made without this notice is improper. ## Why a buyer should care The notice rule protects you if you ever fall behind, but its bigger value to a buyer is what the collection picture reveals. A high delinquency rate, visible in the financial statements, means owners are not paying, which strains the budget and raises the odds of a special assessment that would land on you. A pattern of liens and collection referrals in the minutes tells you how the board handles delinquency. ## What to check in the disclosure packet Read these together before you make an offer: - The delinquency rate in the financial statements, since high delinquency signals financial stress and special-assessment risk. - The collection policy for how the association handles late accounts, notices, and referrals. - Recent board minutes for liens recorded, collection referrals, or written-off assessments. - Any rule that lets the association refer an account to collections with no prior notice, which conflicts with 33-1807. ## Why this matters to your offer A financially fragile association with high delinquency is a special-assessment and governance risk, and that risk transfers to you at closing. The collection rules also protect you directly if a billing dispute comes up after you move in. An HOA Notes brief reads the financial statements, the collection policy, and the minutes together, scores the financial risk, and cites the page behind every finding. ## What the statute says **Arizona Revised Statutes section 33-1807(L)** (Pre-collection 30-day notice). Before turning a delinquent account over to a collection agency or filing a lien, the association must provide written notice to the owner at least 30 days in advance stating the amount owed, the breakdown of assessments and fees, and the deadline to cure; collection actions taken without this 30-day notice are improper. The association may proceed with a lien filing or collections referral after the 30-day cure period if the balance remains unpaid; it may recover attorney fees and collection costs as part of the lien amount. ## Arizona HOA assessment collection: common questions ### What notice must an Arizona HOA give before collection? Under Revised Statutes 33-1807, a written notice at least 30 days before turning the account over to an attorney or a third-party collection agency, in boldface or all capital letters, stating the 30-day cure period and that foreclosure could follow. ### Can an Arizona HOA send my account to collections without warning? No. The 30-day notice under 33-1807 is required before the association authorizes an attorney or outside collection agency to start collection. ### Does a high HOA delinquency rate matter to a buyer? Yes. A high delinquency rate signals financial stress and raises the odds of a special assessment, and it appears in the association's financial statements in the disclosure packet. ### Where do I see an HOA's collection practices before buying? In the collection policy, the financial statements, and recent board minutes, all part of the disclosure packet. An HOA Notes brief surfaces these and scores the risk. ## Sources (verified 2026-06-03) 1. Arizona Revised Statutes section 33-1807 (common expense liens; notice), Arizona State Legislature. Verified 2026-06-03. https://www.azleg.gov/ars/33/01807.htm 2. Arizona Revised Statutes section 33-1807, lien for assessments and notice, Goodman Law Group. Verified 2026-06-03. https://goodlaw.legal/arizona-az-hoa-statutes/33-1807-lien-for-assessments-priority-mechanics-and-materialmens-liens-notice/ 3. Arizona Revised Statutes section 33-1807 (2024), Justia. Verified 2026-06-03. https://law.justia.com/codes/arizona/title-33/section-33-1807/ HOA Notes is not a law firm and this is not legal advice.