Business Details
Your Trusted Tucson Bankruptcy Solution
Mortensen Law Offices has been a trusted name in Arizona's bankruptcy law landscape for over 25 years. Founded on the principle of providing immediate relief to individuals overwhelmed by debt, our firm combines deep legal expertise with a client-centric approach. With thousands of successful bankruptcies under our belt, we specialize in Chapter 7 and Chapter 13 filings, student loan discharge strategies, IRS tax resolution, and debt settlement. Our founder, Wayne Mortensen, brings decades of hands-on experience in navigating complex bankruptcy codes, ensuring clients retain their assets while achieving financial freedom.We pride ourselves on transparency, offering guarantees such as no court appearances and full discharge of eligible debts. Our team's commitment to education and ethical practice has earned us recognition as Arizona's highest-rated bankruptcy attorney. From initial consultation to case resolution, we prioritize personalized service, empowering clients to make informed decisions about their financial futures.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Student Loan Discharge
Tax Problem Resolution
Debt Settlement
Highlights and features
- 25 years of specialized bankruptcy law experience
- 8,000+ successful bankruptcies filed
- No court appearance guarantee
- Full discharge guarantee for eligible debts
- Serving all Arizona regions including Phoenix Metro and Tucson
What people say
Very informative
Caring and thorough
Made us feel safe
Empowered in decision
Highly recommend
Services
Chapter 7 Bankruptcy
Eliminate unsecured debts through Chapter 7 bankruptcy. Protect assets while stopping lawsuits, garnishments, and creditor harassment. 95% of clients retain all personal property. Court filing fees apply in addition to attorney fees. Legal process completed within 90-120 days.
Chapter 13 Bankruptcy
Restructure debt payments through Chapter 13 bankruptcy. Pay only a fraction of owed amounts while keeping property. Custom payment plans over 3-5 years. Includes protection from foreclosure and repossession. Requires regular income verification.
Student Loan Discharge
Pursue student loan discharge under new DOJ guidelines. Evaluate eligibility for hardship discharge. Develop strategic action plans combining bankruptcy and federal programs. Requires detailed financial documentation and court filings.
Tax Problem Resolution
Resolve back taxes through bankruptcy discharge options. Stop wage garnishments and tax liens. Expertise in complex tax code applications. Includes consultation on payment plans and penalty abatement strategies.
Debt Settlement
Negotiate reduced settlements with creditors outside bankruptcy. Save thousands through direct negotiations. Includes creditor communication and payment plan structuring. Not suitable for all debt types.
People
Wayne B. Mortensen
Attorney at Law
25-year bankruptcy law specialist with 8,000+ successful cases. Expert in Chapter 7 and 13 filings, tax debt resolution, and student loan discharge strategies. Committed to client education and ethical legal practice.
Questions
What are the costs for bankruptcy filing?
Chapter 7 costs $1800 attorney fees plus court filing fees. Complex cases may incur additional charges. Payment plans available.
Will I lose my home during bankruptcy?
Arizona's homestead exemption protects most homes. Continued mortgage payments ensure property retention. Case evaluation determines individual risk factors.
Can I keep my vehicle after filing?
Arizona's $15,000 car exemption protects most vehicles. Proper exemption planning required to maintain ownership during bankruptcy proceedings.
How does bankruptcy affect credit scores?
Initial score impact followed by gradual recovery. Many clients qualify for mortgages within 2-3 years post-discharge. Debt elimination improves long-term creditworthiness.
Are all debts dischargeable in bankruptcy?
Most unsecured debts discharge. Exceptions include student loans, child support, and recent tax debts. Detailed consultation identifies non-dischargeable obligations.
What happens during the bankruptcy process?
Initial consultation, document preparation, filing, 341 meeting with trustee, and discharge. Court appearances not required. Process completes in 90-120 days for Chapter 7.
