Best Law Firms

Folks Hess Kass, an Arizona woman-owned and managed default services law firm

American Legal & Financial Network (ALFN)

An Arizona Woman-Owned and Managed Default Services Law Firm


Phoenix Skyline



Mortgage Deficiency Law
2017 Update

Arizona Mortgage Deficiency Law Update 2017

Larry Folks' updated Arizona Mortgage Deficiency Law article addresses Arizona's Mueller and Wildwood decisions and provides a useful reference for attorneys


Managing Member and Attorney Mary Ann Hess

Mary Ann Hess
Our managing member has over 23 years of litigation experience


Phoenix Bankruptcy Attorney Larry Folks

Larry Folks
A Best Lawyers® selectee (2015-2018) and a nine-time Super Lawyers selectee


A "High Touch" Phoenix Law Firm for Banks, Credit Unions and Mortgage Servicers


Mary Ann Hess, Larry Folks, Lisa Kass  

Mary Ann Hess (Managing Member), Larry Folks (Member), Lisa Kass (Member)


In protecting the Arizona legal interests of banks, mortgage servicers and other financial institutions — such as representative clients Fannie Mae and Freddie Mac — the attorneys at Folks Hess Kass offer efficient, coordinated legal services related to consumer and commercial foreclosure, bankruptcy, eviction, collection and mortgage deficiency litigation, creditors’ rights litigation and other default services.

Responsiveness, Integrity, and Commitment to Your Objectives

At Folks Hess Kass, those qualities are the foundation for the highest level of legal service and excellent results.

Clients of Folks Hess Kass know that we are on their side. We place a major emphasis on understanding what you hope to accomplish in your legal matter and then tailoring a plan of action that respects your objectives.

Folks Hess Kass is a diverse and seasoned team of legal professionals who deliver a high level of legal services in a responsive and compliance-focused manner for residential and commercial foreclosure, bankruptcy, eviction, loss mitigation, collection, mortgage deficiency and default litigation cases.

Our attorneys and support staff receive ongoing training in the ever-changing legal landscape, servicer time-lines, client confidentiality, consumer complaint reporting, and other client reporting and compliance issues.  We have the experience and infrastructure to successfully meet the needs of high-volume clients (for out-of-court non-judicial trustee’s foreclosure sales) and clients needing “hands-on” complex representation by seasoned trial lawyers known by name by Arizona judges.

We are well versed in required client electronic reporting and billing by multiple portals and use advanced case management technology.

From our Phoenix offices, the attorneys at Folks Hess Kass offer practical advice and well-conceived solutions  in fulfilling these commitments to our clients:

  • Commitment to Diversity. We are an Arizona woman-owned and -managed default services law firm committed to training and the advancement of women in the default services industry.

  • Responsiveness. You expect and deserve timely communication and commitment to deadlines. You will enjoy the peace of mind that comes with knowing the status of your matter at all times from a responsive, committed attorney.

  • Integrity. We represent clients in a skillful and honest manner, and we are unyielding in our adherence to the highest levels of ethical conduct.

  • Value. The true cost of legal services is a product of many factors. At Folks Hess Kass, we strive for high value through timely communication, loyalty to our clients, effective management of the legal process, a fee structure that reflects the quality and importance of our work, and tenaciously pursuing favorable outcomes.

  • Efficiency. The size of our law firm and the experience of our attorneys allows us to efficiently respond to your needs, free of the redundancy and duplication of effort that are inseparable from larger firms with varying degrees of experience.