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Hire Mortensen if you want the following:
Experience
25 years and 8000+ Successful Bankruptcies
Highest Rated
Goggle Reviewed BK Attorney in Arizona - See below
No Court Guarantee
You will never have to go to see a Judge. See below
Discharge Guarantee
Your eligible debts will be GONE! See below
Testimonials
Our Services
Chapter 13 Bankruptcy
Reorganize debt. Most clients pay only a small fraction of what they owe. Chapter 13 bankruptcy gives you more flexibility that a traditional chapter 7. Come in and see if Chapter 13 is right for you. Mortensen Law is the preeminent chapter 13 firm in the state of Arizona. Most clients are ill informed about Chapter 13. Let us educate you.
TOP 10 MOST COMMON QUESTIONS
01.
How much does bankruptcy cost?
A typical CHAPTER 7 bankruptcy will cost around $1600 in attorney fees. There are also Court Filing fees, Credit Report fees and Credit Counseling fees. While $1600 is the usual fee for a typical case fees can increase for cases with significant debt, pending legal action or other unusual circumstances. Mortensen Law Offices makes every effort to make your bankruptcy affordable.
02.
Will I lose my home if I file for bankruptcy?
I have been practicing bankruptcy law in Tucson for 26 years. I have never had a client lose a home in bankruptcy court unless they have stopped making voluntary mortgage payments. The fact is that with Arizona's new HOMESTEAD exemption it is very difficult to lose a home in bankruptcy. If, after a consultation, I determine that your home will be at risk I will advise my clients against filing. Remember if you want to keep your home continue to make any mortgage / home loan payments directly to the lender. This includes any loans that are secured by your real property.
03.
Will I lose my car if I file bankruptcy?
Most individual filers keep their cars. The Arizona exemptions were just increased to $15,000. This will allow must people to protect a car in bankruptcy court. BEWARE- cars are a loophole area for trustees so it is vital to seek a qualified attorney to analyze your automobile exemption. The Arizona Chapter 7 Trustees are expert at finding ways to circumvent secured transactions to "take" a car for the benefit of creditors.
04.
Will I ever repair my credit enough to buy a home or car?
Most people are very nervous about their credit when they come to file a bankruptcy. When people are consulting with me they will ask if they will ever get credit again. While I make no guarantees I let my clients know that most individuals recover from bankruptcy rather quickly. I have clients who are able to purchase homes and cars within a couple of years of filing. My question to my client is will you EVER get into a home if you do not resolve your outstanding debt problem?
05.
Can my employer fire me if I file a bankruptcy?
In my thousands of Bankruptcy cases in Arizona, I have never witnessed one of my clients be dismissed from employment due to the filing of a bankruptcy. While possible it is highly unlikely that you would lose a job due to bankruptcy filing. Remember bankruptcy is a law embodied in Title 11 of the US Code, i.e. completely legal.
06.
Do I have to list all of my debt? There are certain debts I do not want included.
Sorry - you must list ALL debt. This includes debts that you plan to keep paying like your mortgage and car loan. There are many rules that must be followed when you file bankruptcy. Two of the most common rules are as follows: #1 You must list all of your assets. #2 You must list all of your creditors. PLEASE do not listen to friends who tell you they did not list a debt. If they did not list a creditor then they committed bankruptcy fraud which is a crime.
07.
Will all of my debt be discharged in the bankruptcy?
Most debt is discharged in bankruptcy. Certain debts are excepted from the discharge. Certain taxes, student loan debt, alimony, child support, debts incurred through fraud and a few other debts do not go away when you file. It is vital to consult with a qualified attorney who can assess which debts will be discharge.
08.
Will I lose my personal property if I file for bankkrutcy?
Most personal property (your stuff) is exempt. This means that you get to keep it when you file bankruptcy. The new exemption for personal property is $15,000. Yes, you can keep your clothes and household furnishings. Talk to Mortensen Law Offices about what property you can keep when you file a bankruptcy in Arizona.
09.
How many times can I file bankrptcy?
Bankruptcies can be filed repeatedly after the legal time frame has been achieved. Talk to a qualified bankruptcy attorney will be able to calculate when you are able to file a second or even a third bankruptcy.
10.
Will I go to jail if I file for bankruptcy?
You have been watching to much TV. No one goes to jail for filing bankruptcy. People go to jail when they commit bankruptcy fraud. If you hire the right attorney and get solid legal counsel you will be fine.
3 BIGGEST MISTAKES
Contact Mortensen Law Offices before you make any of these mistakes. We offer a free consultation. Do not make a bad situation worse by not seeking legal counsel.
Mistake #1
WAITING TOO LONG: Many individuals wait to long before they seek legal counsel. The time to get a free bankruptcy consultation is when first realize that you may have a debt problem. Most of my client's biggest regret is that they did not seek my advice earlier. Call me before making any decision regarding your debt. I will give you solid advice.
Mistake #2
TRANSFERRING ASSETS PRIOR TO FILING A BANKRUPTCY: Transferring or even paying certain debts to family and friends can be considered fraudulent or preferential. This is not the time to be the smartest kid in the class. Seek good legal counsel before transferring any assets prior to a bankruptcy filing. In many instances those transfers can be undone.
Mistake #3
USING RETIREMENT OR HOME EQUITY TO PAY OFF CERTAIN DEBTS: Before considering using retirement to pay certain debts get a consultation with Mortensen Law Offices. There is nothing more disheartening to me than when I consult with an individual AFTER they have made the decision to pay off debt with retirement funds.
Tucson Bankruptcy Attorney
If you are in debt and need to file bankruptcy in Southern Arizona then you have reached the best bankruptcy attorney. Wayne Mortensen and Mortensen Law Offices have multiple offices to assist you if you need to file bankruptcy. Our Office at 7012 E. Broadway, Tucson Arizona accepts clients from all of Arizona. Some of our clients that utilize this office come from Benson, Saint David, Safford, Thatcher, Elgin, Sunsites, Nogales, Sierra Vista and Rio Rico. We have another office at 5151 North Oracle Road, Ste 118 in Tucson. This office serves north Tucson, Oro Valley, Morenci, Eloy, Red Rock and Marana Arizona. Of course we will help you file a bankruptcy and help you get out of debt. If you cannot come in for an in person visit we offer Bankruptcy By Phone. We also have added convenient buttons to this website to allow you start your bankruptcy today and stop all collection calls. We can assist you if you have a home foreclosure, lawsuit, creditor harassment, car repossession or tax debt. Recent changes have even made it possible to even get a hardship discharge of student loans when you file a bankruptcy. Wayne Mortensen has been a bankruptcy attorney for 25 years and helped thousands of people get out of debt. He can help you file bankruptcy and become debt-free today. Mr Mortensen's experience gives him the upper hand when it comes to dealing with your creditors, the trustees and the bankruptcy court. He understands the rules and he understands the pitfalls that you may encounter when you file bankruptcy. Don't trust your financial future to someone who is brand new to the practice. There are many attorneys who dabble in bankruptcy and do not have the years of experience that Mr Mortensen has. He will answer ALL of your questions and address ALL concerns and be able to address ALL issues that you might have.
Mesa Bankruptcy Attorney
Wayne Mortensen grew up in Mesa Arizona and has strong ties to the area. Wayne attended Mountain View High School and then started at Scottsdale Community College. He maintains an office in East Mesa which is currently located at 1901 East University Drive number 360 Mesa, Arizona. Mr Mortensen's practice is dedicated to helping people discharge their debt and resolve their debt problems through bankruptcy. Mr Mortensen's office services the East Valley including Apache Junction, Globe, Queen Creek, San Tan Valley, Tempe, Gilbert, Chandler, Mesa and Ahwatukee. If you are looking for an attorney with years of experience at discharging debt in both Chapter 7 and Chapter 13 Bankruptcy then look no further. Mr Mortensen's practice not only helps people discharge debt in bankruptcy but also offers debt settlement, student loan discharge in bankruptcy and tax resolution services. Mr Mortensen has worked in the East Valley bankruptcy community many years during his formative years and he completed a Judicial externship for Judge Charles Case. With 25 years of experience, Mr. Mortensen can handle all bankruptcy questions. His vast experience is a great asset to his clients. Mr Mortensen's service includes tax resolution and student loan discharge in bankruptcy court. Mr Mortensen's offices have filed more Chapter 13 bankruptcies in the state of Arizona than any other attorney over the last 25 years. His knowledge of Chapter 13 reorganization for individuals has helped him help individuals get back their lives and get out of debt today.
Phoenix Bankruptcy Attorney
Phoenix bankruptcy attorney Mortensen Law Offices has helped thousands of people in the State of Arizona get bankruptcy relief from debt. Please call today if you want good advice regarding your debt problems. Mr Mortensen will advise you on how to legally discharge your debt in bankruptcy court. Mr Mortensen serves all the Phoenix and North Phoenix area including : Glendale, Goodyear, Peoria, Anthem, Laveen, and North Phoenix. Mr Mortensen's original office was on 24th Avenue and Peoria next to Metro Center. There, Mr. Mortensen learned the ropes in bankruptcy. He helped hundreds of people, in those formative years, discharge debt through both Chapter 7 and Chapter 13 bankruptcy. Since those years, Mr. Mortensen's practice has been expanded to cover all of Arizona and assist all clients with their debt problems. Mr Mortensen's practice also offers discharge of student loan debt, tax resolution services, and debt settlement for those who may not want to file bankruptcy. If you are in Phoenix and find yourself in need of a bankruptcy attorney - Please call Mortensen Law Offices. We offer bankruptcy by phone. We can also offer video conferencing through Zoom. All bankruptcy Trustee hearings take place by phone or Zoom. Mr. Mortensen will be opening a new Phoenix bankruptcy office to serve the needs of bankruptcy clients in Glendale, Peoria, Anthem, North Phoenix, Laveen, Buckeye and Goodyear. Call us today and we can give you relief from debt today.
Open Letter From Wayne Mortensen
Dear Prospective Client,
Hello, my name is Wayne Mortensen I am a bankruptcy attorney in Arizona. I've been serving the people of Arizona for 25 years. In my second year of law school I attended my first bankruptcy course and it really resonated with me. Bankruptcy allows me to practice in an area of law where I can deliver immediate results to my clients. If you are being Sued - I STOP IT. If you are being garnished - I STOP IT. If your home is about to be foreclosed - I STOP IT. If your just sick and tired of having too much debt - I STOP IT.
Bankruptcy Law really levels the playing field. The laws in the bankruptcy code are designed so that big creditors can't run the field and pay off the refs. You, as a Debtor, have so many rights. Creditors must pay attention after you file or they run the risk of getting sued. I have sued a few creditors during my time as a bankruptcy attorney. It doesn't happen often because most creditors pay attention and follow the law.
Now you're reading this and trying to decide who to hire as your bankruptcy firm. Please hire us. You will not be disappointed. I was a young lawyer once and I had to go through the school of hard knocks. I have nothing against young lawyers. But if you're looking for a lawyer with a wealth of experience and one who will NOT be stumped by any of your questions - then look no further. Bankruptcy can get very complex very fast. I have had the sad experience of fixing many other attorney's mistakes. Sometimes we have had success other times we have not. Don't open a bigger can of worms by hiring the wrong attorney. But how do you know who to hire. Well, ask around. Read the reviews. Come in for a free consultation. One easy RED FLAG is that if you're calling the office for a bankruptcy consultation and you are being consulted by a sales person and not the bankruptcy attorney RUN! Do not hire that firm.
We are a full service bankruptcy firm. I will give you an example of what this means. The other day I was consulting with a nice lady who had a ton of student loan debt. She already had a consultation with another attorney. So I asked her what the other attorney advised regarding the student loans? The attorney's comment regarding the student loans baffled me. He said that [he was not interested in helping her to discharge the student loans]. In other words - she was hiring a glorified typist with a law degree. Mind you this was after the new rules that were introduced on November 17, 2022 from the Department of Justice which make it more realistic than ever to get a hardship discharge. If your going to hire an attorney then make sure you hire one that is willing to do actual legal work.
Along with my education in bankruptcy I have been trained regarding tax problem resolution. If you are running into serious problems with the IRS then please give us a call. I am very good a diagnosing IRS problems and finding solutions that will save you money.
I have set up this website with you in mind. Take the time to read my blog. Watch my videos and review my FAQs. Download important documents. You will find many answers to basic questions. Always verify the information with me or your own attorney. Law and circumstances change. The information on this website is not legal advice and should not be relied on. Visiting this website does not establish an attorney client relationship. If you wish to hire the firm you must consult with us and retain our services.
Thank you for taking the time to read this letter. Please set a free consultation with my office. I can meet you in the office or by phone. You will not be disappointed and you will leave that consultation with a better understanding of your rights. Many of my clients say "WOW! I HAD NO IDEA IT WAS THAT EASY." It is - if you hire the right attorney.
Sincerely,
Wayne B. Mortensen
Attorney at Law
Chapter 7 Discharge Guarantee
My firms guarantee is that if you file Chapter 7 bankruptcy with our firm you will receive a discharge of all DISCHARGEABLE debt. Remember not all debt is legally able to be discharged. If, for whatever reason, my firms actions cause you not to receive a discharge we will REFUND 100% of Attorney Fees Paid.
No Court Guarantee
My firms guarantee is that you will never have to appear in front of a bankruptcy judge. Judges can be a little intimidating. We take that fear away. I will attend all court appearances on your behalf. If for any reason you are required to put on your Sunday best and appear in front of a bankruptcy judge I will refund $200 dollars of your fees paid. The only meeting that you will be required to attend is the Section 341 meeting of creditors. This meeting is with your trustee who is not a bankruptcy judge.