Best Law Firms American Legal & Financial Network (ALFN)

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


American Mortgage Diversity Council

An Arizona Woman-Owned and Managed Default Services Law Firm


Phoenix Skyline




Arizona Money Judgment Validity and Renewal Deadline Extended from Five Years to Ten

On March 20, 2018, Arizona Governor Doug Ducey signed into law House Bill 2240, which extends, from five years to 10 years, the validity of and renewal deadline for a money judgment. The effective date of the new law is August 3, 2018.

Our understanding is that the deadline for expiration and renewal of money judgments included in A.R.S. § 12-15511 is a statute of limitation, per Jensen v. Beirne. If that is correct, then A.R.S. §12-505(B) provides that, when a statute of limitation (such as this one) is amended and an action was not otherwise barred by pre-existing law, “the time fixed in an amendment of such law shall govern the limitation of the action.”

Based on the foregoing, we conclude that, after August 3, 2018, any money judgment that has not yet expired (pursuant to the current five-year limitations deadline imposed by A.R.S. § 12-1551) will be valid and can be renewed until 10 years after entry of said judgment on the Superior Court docket. In addition, the rule authorizing successive renewals of judgments has not changed.

Folks Hess Kass’s legal services to financial institutions and other creditors include enforcing and renewing money judgments in Arizona.



Women-Owned Business
Folks Hess Kass is certified as a women-owned business by the Women’s Business Enterprise National Council (WBENC), the nation’s largest certifier of women-owned businesses and a leading advocate for women business owners and entrepreneurs.


Managing Member and Attorney Mary Ann Hess

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


Arizona Mortgage Deficiency Law Update 2017

Mortgage Deficiency Law
2017 Update

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


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.