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IN RE VASQUEZ

No. CV-11-0091-CQ.

266 P.3d 1053 (2011)

Julia V. VASQUEZ, Debtor, Julia V. Vasquez, Plaintiff, v. Saxon Mortgage, Inc.; Saxon Mortgage Services Inc.; Deutsche Bank National Trust Company as Trustee for Saxon Asset Securities Trust 2005-3, Defendants.

Supreme Court of Arizona, En Banc.

November 18, 2011.

Attorney(s) appearing for the Case

Southern Arizona Legal Aid, Inc. By Beverly B. Parker , Anthony L. Young , Tucson, Attorneys for Julia V. Vasquez.

Greenberg Traurig LLP By Robert A. Mandel , Gil Rudolph , E. Jeffrey Walsh , Julie Barton , Phoenix, Attorneys for Saxon Mortgage, Inc., Saxon Mortgage Services Inc. and Deutsche Bank National Trust Company as Trustee for Saxon Asset Securities Trust 2005-3.

Lori Angus Wilson, Esq. By Lori Angus Wilson , and Vince Rabago, Esq. By Vincent L. Rabago , Tucson, Attorneys for Amici Curiae Southwest Fair Housing Council, The National Association of Consumer Bankruptcy Attorneys, and The National Consumer Law Center.

Gordon Silver By Ronald E. Warnicke , Phoenix, and Johnson, Findsen & Kinney PLLC By Beth K. Findsen , Scottsdale, Attorneys for Amici Curiae Karl Stauffer, Fabiana Stauffer, Mariusz Buchna, and Julita Buchna.

Koeller Nebeker Carlson & Haluck, LLP By William A. Nebeker , Valerie R. Edwards , Phoenix, Attorneys for Amicus Curiae Arizona Multi-District Litigation.

Thomas C. Horne , Arizona Attorney General By Carolyn R. Matthews , Assistant Attorney General, Dena R. Epstein , Assistant Attorney General, Donnelly A. Dybus , Assistant Attorney General, Phoenix, Attorneys for Amicus Curiae State of Arizona.

Quarles & Brady LLP By C. Bradley Vynalek , Brian A. Howie , Michael S. Catlett , Susan G. Boswell , Phoenix, Attorneys for Amici Curiae Arizona Bankers Association and The Greater Phoenix Chamber of Commerce.

McCarthy Holthus Levine By Paul M. Levine , Scottsdale, Attorney for Amicus Curiae United Trustees Association.

Fennemore Craig, P.C. By Timothy Berg , Carrie Pixler Ryerson , Theresa Dwyer-Federhar , Phoenix, and K & L Gates LLP By Phoebe S. Winder , Amy Pritchard Williams , Robert W. Sparkes, III , Charlotte, NC, Attorneys for Amicus Curiae Mortgage Bankers Association.

Gust Rosenfeld P.L.C. By Richard A. Segal , Kent E. Cammack , Scott A. Malm , Phoenix, Attorneys for Amicus Curiae Land Title Association of Arizona.

OPINION

HURWITZ, Vice Chief Justice.

¶ 1 Pursuant to A.R.S. §§ 12-1861 to -1867 (2003) and Supreme Court Rule 27, we accepted jurisdiction of two questions certified by the United States Bankruptcy Court for the District of Arizona:

1. Is the recording of an assignment of deed of trust required prior to the filing of a notice of trustee's sale under A.R.S. § 33-808 when the assignee holds a promissory note payable to bearer?...

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