Mortgage Deficiency Law
Larry Folks' updated
Arizona Mortgage Deficiency Law
article addresses Arizona's Mueller and Wildwood decisions and
provides a useful reference for attorneys
Folks Hess Kass is certified as a
women-owned business by the
Enterprise National Council (WBENC), the nation’s largest certifier
of women-owned businesses and a leading advocate for women business
owners and entrepreneurs.
Mary Ann Hess
Our managing member has over 23 years of litigation experience
A Best Lawyers® selectee (2015-2018) and a nine-time Super Lawyers
A "High Touch" Phoenix Law Firm for Banks,
Credit Unions and Mortgage Servicers
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,
and mortgage deficiency litigation,
creditors’ rights litigation and other
Responsiveness, Integrity, and Commitment to Your
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
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,
Integrity. We represent clients in a skillful and
honest manner, and we are unyielding in our adherence to the highest levels of
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.