Best Law Firms American Legal & Financial Network (ALFN)

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

An Arizona Woman-Owned and Managed Default Services Law Firm



Proofs of Claim

Notices of Appearance

Motions for Relief from Stay Concerning All Types of Collateral in Chapters 7, 11 or 13

Objections to Chapter 13 Plans Concerning All Types of Collateral

Stipulations for Relief From the Automatic Stay and Stipulated Orders for Relief from the Automatic Stay

Stipulations Concerning Confirmation of Chapter 13 Plans

All Legal Services Required to Participate in Chapter 11 Proceedings and Objecting to Confirmation of Chapter 11 Plans of Reorganization Concerning All Types of Collateral

Reaffirmation Agreements

Subrogation Claims

Non-Dischargeability Complaints

Preference and Fraudulent Conveyance Defensive Actions

Defensive Foreclosure Bidding

Appearances at § 341 First Meetings of Creditors

Bankruptcy Rule 2004 Examinations

Court Appearances Including Evidentiary Hearings and Contested Plan Confirmation Hearings

Bankruptcy Appeals


Consumer Bankruptcy

Our Phoenix bankruptcy attorneys represent secured and unsecured creditors in Chapter 7, 11 and 13 proceedings, with expertise in nondischargeability actions, relief from the automatic stay, and objecting to Chapter 11 and 13 bankruptcy plans.

See below: Consumer Bankruptcy FeesRepresentative Clients

View the PowerPoint from Larry Folks' 2008 bankruptcy mediation seminar


The Phoenix law firm of Folks Hess, PLLC represents several national and regional banks and credit unions concerning their claims in consumer bankruptcy proceedings pending in Arizona. Our seasoned Phoenix bankruptcy attorneys offer considerable experience in representing clients with respect to all aspects of their rights as secured and unsecured creditors in Chapter 7, 11 and 13 proceedings. Our lawyers have particular expertise in nondischargeability actions, pursuing motions for relief from the automatic stay, and objecting to Chapter 11 and 13 bankruptcy plans related to claims secured by residences and automobiles.

With more than 30 years of experience, Larry O. Folks is the lead attorney responsible for litigating Arizona consumer bankruptcy cases referred to the firm. He is a graduate of the Northwestern University School of Law and a former partner of Kutak Rock, LLP, which is a national law firm. In addition, he is a Certified Bankruptcy Specialist (State Bar of Arizona) and a Certified Business Bankruptcy Specialist (American Board of Certification). He is the 2009-2010 chair of the Bankruptcy Section of the State Bar of Arizona and is a court-appointed panel mediator of the U.S. Bankruptcy Court for the District of Arizona.

Consumer Bankruptcy Fees

The law firm typically bills its clients “flat fees” for uncontested consumer bankruptcy motions for relief from the automatic stay, bankruptcy plan objections and other routine matters. In addition, the firm offers highly discounted hourly rates for contested consumer bankruptcy cases. At our Phoenix offices, the firm also has significant experience in the use of the DataCert, Examen, iClear, LenStar and VendorScape billing and client reporting systems as they pertain to consumer bankruptcy referrals.

Representative Clients

  • Altier Credit Union

  • BMO Harris Bank

  • Comerica Bank

  • Fannie Mae

  • Freddie Mac

  • MidFirst Bank

  • Midland Mortgage

  • Washington Federal