top of page
Tucson Bankruptcy Lawyer

Mesa Bankruptcy Attorney

Contact us for a FREE  Chapter 7 Analysis

Thanks! We will contact you shortly.

Tucson Bankruptcy Lawyer - Mortensen Law Offices, PLLC

✓ Bankruptcy 7
✓ Bankruptcy 13
✓ Student Loans
✓ IRS Debt Resolved
✓ Debt Settlement

Over Two Hundred Million in DEBT LEGALLY DISCHARGED

Leading Arizona For 26 years in Debt Relief

​Hire Mortensen if you want the following:

Experience

25 years and 8000+ Successful Bankruptcies

Highest Rated

Goggle Reviewed BK Attorney in Arizona

No Court Guarantee

You will never have to go to see a Judge.

Discharge Guarantee

Your eligible debts will be GONE!

testimonials - Mortensen Law | Bankruptcy and Tax Resolution Services

Testimonials

Wayne is very experienced bankruptcy attorney who handled my case from start to finish without any problems and kept me informed of everything along the way even with all my questions and concerns. It was a very difficult time and he made it easy. I would recommend him to anyone who is considering filing. Such a great attorney!

- Debbie C.

I contacted Mr. Mortensen for advice on a very complicated bankruptcy situation. His professionalism and knowledge of the law gave me guidance and a sound solution to my problems. Thank you, Mr. Mortensen!

- Bette K.

Wayne and his staff were very efficient, professional, and thorough. He took the time to explain the details of our case so we understood what were going to do. During the hearing, there were complications with cases involving other attorneys, but ours was smooth and fast. I highly recommend Mortensen Law Office if you have to file bankruptcy.

- Travis B.

Our Services

Mesa Chapter 7 Bankruptcy

In a chapter 7 bankruptcy we can get rid of your debt.  Only certain debts don't go away when you file a chapter 7 bankruptcy.  Call Mortensen Law Offices - We are your go to Mesa Bankruptcy Attorneys.


A Chapter 7 Bankruptcy will get rid of the following debts:

  • Credit Card

  • Personal Loan

  • Medical Debt

  • Certain Back Taxes

  • Vehicle Repossession Deficiency

A Chapter 7 will stop the following actions:

  • Lawsuits

  • Garnishment

  • Repos

  • Harrassment

CALL TODAY - DON'T LET THE PROBLEM GET WORSE

Mesa Chapter 13 Bankruptcy

If you are looking to file a bankruptcy in Mesa Arizona then look no further.  Mortensen Law Offices has been filing Chapter 13 Bankruptcies in Arizona for the last 27 years.  As a Mesa Bankruptcy Attorney we pride ourselves on our knowledge of the law to give you the best chance of sucess in your chapter 13 bankruptcy.


Chapter 13 Bankrupty is complex and choosing the wrong attorney can be a disaster.  Mortensen Law Offices is a Mesa Bankruptcy Office with DECADES OF EXPERIENCE.  


Chapter 13 may be right for you if any of the following apply:

  • You make to much income to qualify for a chapter 7

  • You have assets that you want to protect

  • You need to stop repossession and forclosure

CALL TODAY FOR A FREE INFORMATIVE CONSULTATION WITH A QUALIFIED MESA BANKRUPTCY ATTORNEY

Mesa Student Loan Discharge

If you have student loan debt Mesa Bankruptcy attorney may be able to help you discharge some of that debt.  When you call our office we will set you up for a free informative consultation where we can discuss your student loans and whether you will qualify for student loan discharge.


Student loan discharge requires the filing of a lawsuit against the lender so it is a complex matter that should be analyzed by a qualified Mesa Bankrutpcy Attorney

TOP 10 MOST COMMON QUESTIONS
  • 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.
  • 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.
  • 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.
  • 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?
  • 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.
  • 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.
  • Will I lose my personal property if I file for bankruptcy?
    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.
  • How many times can I file bankruptcy?
    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.
  • 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.
  • 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.
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.

Mesa 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.   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 26 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.

Open Letter From Wayne Mortensen

Mortensen Law Offices - Mesa Arizona Bankruptcy Lawyers



Dear Mesa Bankruptcy Client,


I hope this letter finds you well. In times of financial hardship and overwhelming debt, it's crucial to know that you're not alone. We at Mortensen Law Offices areMesa Bankruptcy Attorneys, we understand the challenges you may be facing and are here to offer our support, guidance, and expertise to help you regain control of your financial future.


With over 27 years for Mesa Bankruptcy legal experience, we have become a trusted source of legal assistance in matters related to bankruptcy, debt settlement, tax debt resolution, and protecting individuals from lawsuits and wage garnishments. In this letter, I would like to take the opportunity to provide you with an in-depth understanding of our services and how we can assist you in achieving lasting financial relief and peace of mind.


Our Comprehensive Services:

1. Mesa Bankruptcy Expertise: Mesa bankruptcy law is complex, and navigating it without the guidance of a qualified attorney can be overwhelming. Our dedicated team of bankruptcy experts specializes in Chapter 7 and Chapter 13 bankruptcy, providing tailored solutions to fit your unique financial circumstances.

  • Chapter 7 Bankruptcy: Also known as "liquidation bankruptcy," Chapter 7 allows eligible individuals to discharge most unsecured debts, providing a fresh start. Our Mesa bankruptcy attorney will evaluate your eligibility and guide you through the process, ensuring your assets are protected to the fullest extent possible under the law.

  • Chapter 13 Bankruptcy: If you have a regular income and wish to retain your assets while creating a manageable debt repayment plan, Chapter 13 bankruptcy may be the right choice. We will work closely with you to develop a feasible repayment plan based on your income and financial situation.

2. Debt Settlement: If bankruptcy isn't the right solution for you, debt settlement can be a viable alternative. Our Mesa Bankruptcy Lawyer  will work directly with your creditors to reduce the total amount you owe. Debt settlement can help you avoid the long-term consequences of bankruptcy while still providing a path to financial freedom.

3. Tax Debt Resolution: Dealing with tax debt can be particularly stressful, but our Mesa bankruptcy attorney is well-versed in tax debt resolution strategies. We can help you explore options such as:

  • Offer in Compromise: Negotiating with the IRS or state tax authorities to settle your tax debt for less than the full amount owed.

  • Installment Agreements: Establishing a manageable payment plan that allows you to pay off your tax debt over time.

  • Innocent Spouse Relief: Seeking relief from joint tax liability if you can prove that your spouse or former spouse is solely responsible for the debt.

4. Protection from Lawsuits and Garnishments: If you're currently facing legal actions, wage garnishments, or creditor harassment, it's crucial to take immediate action. Our legal team will provide strong representation to protect your rights and interests. We'll work diligently to halt collections and help you find a suitable resolution, ensuring that you're not left feeling powerless in the face of mounting debts.

Why Choose Mesa Bankruptcy Attorney:

  • Experience: Our attorneys have a deep understanding of Mesa bankruptcy laws and regulations, and we have successfully helped numerous clients achieve financial relief over the years.

  • Personalized Solutions: We understand that every financial situation is unique. That's why we take the time to listen to your concerns and tailor our services to meet your specific needs.

  • Compassion and Support: We know that financial stress can take a toll on your well-being. We're not just here to provide legal assistance; we're here to support you throughout the entire process, ensuring that you feel empowered and informed.

  • Free Consultation: We offer a complimentary consultation to assess your financial situation and discuss your options. There's no obligation, and it's a chance for you to get to know us and ask any questions you may have.

Taking the First Step:

The road to financial recovery begins with a single step, and we're here to guide you through every twist and turn. If you're ready to take control of your financial future, please don't hesitate to reach out to us.

Contact Mesa Bankruptcy Attorney today at 480-699-6033to schedule your free consultation. During this initial meeting, we'll review your financial situation, discuss your goals, and outline a strategic plan to help you achieve the financial freedom you deserve.

Remember, you don't have to face your financial challenges alone.  Mortensen Law Offices your Mesa Bankruptcy Attorney is your dedicated partner in bankruptcy, debt settlement, tax debt resolution, and legal protection.

Final Thoughts:

Financial difficulties can be overwhelming, but there is hope. Mesa Bankruptcy Attorney - Wayne Mortensen  is committed to helping individuals like you overcome their financial burdens and build a brighter future. We believe that everyone deserves a second chance, and we're here to help you seize that opportunity.

Thank you for taking the time to read this letter. We look forward to the possibility of working with you and helping you embark on a journey towards financial stability and peace of mind.


Sincerely,

Wayne Mortensen

Mesa Bankruptcy Attorney

Reviewing Legal Agreement

Chapter 7 Discharge Guarantee

My firm guarantees 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 firm's actions cause you not to receive a discharge we will REFUND 100% of Attorney Fees Paid.

No Court Guarantee

My firm 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 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.

Judge Gavel
bottom of page