It is very rare that a situation does not have a rule that does not apply to it. It may not properly address the issue. But there will be a law that address your situation.
Your question is disjointed and you go from first person to saying you are asking for someone else.
I don't mind trying to decipher your question, but this is almost impossible.
If there is not lien, then bankruptcy would prevent the lender from putting a lien on the home for pre-bankruptcy debt. There might be issues of fraud on your side, but that is a different question.
I would have to see paperwork to fully understand - how this would work in Arizona. The rules will be similar but they are different.
Go see an attorney. If you have this much money on the line, an internet query is not enough.
Please contact me directly with document for a free 30 minute consultation to get more concrete advice. This is not legal advice. I don't have enough information to give actual legal advice. I can only take the limited information presented and provide a framework to know how your situation may turn out. I may have questions that bring up issues you did not think were important but make a big difference.Ask a similar question