To interpret the data of transient nonlinear spectroscopy of cooper-oxide high-temperature superconductors, a phenomenological model, describing magneto-dipole self- organization of holes in CuO2 planes and kinetics of the corresponding phase transition, has been developed. It has been shown that, for the exchange energy approximately 100 meV and the doping level <n> approximately 0.1 hole/cell, the temperature T decreases below the critical point T* approximately 150 K leads to formation of a spatially non-uniform distribution of holes (the stripe- structure) and to appearance of corresponding energy gap in the electronic structure. Calculated steady-state dependencies of T* on <n> and of the gap width on T agree with the known experimental data. The predicted phase transition kinetics depends on the initial temperature T. When T* < T < Tm approximately equals (1.4 divided by 1.5) T*, the stripe-structure decay is rather slow (approximately 10-9s and more) two-stage process. During the first stage, a large-scale fluctuation of an average dipole moment is formed and after that the spatial region, entrained in the fluctuation, broadens as the phase switching wave.