Folks Hess PLLC

For financial institutions, banks, credit unions, and mortgage servicers operating within Arizona, navigating the complexities of default services, bankruptcy, foreclosure, and collections requires highly specialized legal expertise. These areas of law are constantly evolving, demanding a firm that is not only deeply knowledgeable but also responsive, efficient, and committed to upholding the highest standards of integrity and compliance. In Phoenix, Arizona, Folks Hess PLLC stands as a distinguished and highly focused law firm, uniquely positioned to serve these critical needs. As an Arizona woman-owned and -managed firm, Folks Hess PLLC brings a distinctive perspective and a strong commitment to diversity within the default services industry. Led by experienced attorneys such as Mary Ann Hess (Managing Member) and Larry Folks (Member), the firm provides comprehensive legal services related to consumer and commercial foreclosure, bankruptcy, eviction, collection litigation, and mortgage litigation. They are known for their "high touch" approach, emphasizing clear communication, proactive management of legal processes, and a tenacious pursuit of favorable outcomes for their clients. For financial entities in Arizona seeking efficient, coordinated, and highly competent legal representation in default services, Folks Hess PLLC offers a reliable and respected partnership.

Folks Hess PLLC's office is conveniently located in the vibrant heart of downtown Phoenix, making it readily accessible for clients throughout the Arizona metropolitan area.

The office is located at:

1850 N Central Ave #1140, Phoenix, AZ 85004, USA

This address places Folks Hess PLLC on North Central Avenue, a major thoroughfare in Phoenix known for its professional and commercial buildings. The location benefits from excellent connectivity, being easily reachable by the Valley Metro Light Rail, which runs directly along Central Avenue with multiple stops nearby. This offers a convenient and environmentally friendly transportation option for clients traveling from various parts of Phoenix, Mesa, Tempe, and other surrounding communities. For those driving, the downtown area provides numerous parking garages and street parking opportunities. The firm's presence in a professional office building ensures a conducive environment for focused legal discussions and client meetings. For financial institutions and mortgage servicers in Arizona, this central and accessible Phoenix location underscores the firm's dedication to providing convenient and responsive legal support for their default services needs.

Folks Hess PLLC specializes in providing comprehensive default services and creditors' rights representation primarily to financial institutions, banks, credit unions, and mortgage servicers. Their services are designed to navigate the complexities of bankruptcy, foreclosure, eviction, and collections within Arizona and beyond.

• Foreclosure Services: Handling all aspects of commercial and residential foreclosure, including judicial and non-judicial trustee's sales, deeds in lieu of foreclosure, and related mortgage litigation. They are well-versed in Arizona's specific foreclosure laws and procedures.

• Bankruptcy Representation: Providing extensive services in both commercial and consumer bankruptcy matters (Chapter 7, 11, 12, and 13), representing creditors' rights in bankruptcy proceedings, including relief from stay motions, adversary proceedings, and reaffirmation agreements. They also offer expertise in bankruptcy mediation.

• Eviction Services: Managing residential and commercial eviction processes, particularly post-foreclosure evictions, ensuring legal compliance and efficient possession recovery for property owners.

• Collection Litigation & Judgment Enforcement: Pursuing collection efforts and litigating on behalf of creditors to recover debts, including post-judgment enforcement actions to collect on outstanding judgments.

• Default Servicing: Offering integrated legal solutions for the entire default servicing lifecycle, from loss mitigation and compliance issues to complex default litigation.

• Creditors' Rights Litigation: Representing creditors in various litigation matters to protect their interests and enforce their rights against debtors.

• Mortgage Deficiency Litigation: Handling cases involving the pursuit of deficiency judgments after foreclosure sales, where applicable.

• Civil Litigation: Engaging in broader civil litigation matters that may arise in the context of default services, collections, and creditor rights.

• Real Estate-Owned (REO) and Title Closings: Assisting with the legal aspects of properties that have become Real Estate-Owned (REO) through foreclosure, including title review and closing services.

Folks Hess PLLC distinguishes itself in the Arizona legal landscape through several key features and highlights, reflecting their expertise and client-focused approach:

• Arizona Woman-Owned and -Managed: A significant highlight is their status as an Arizona woman-owned and -managed default services law firm. This commitment to diversity is a foundational aspect of their identity and contributes to the firm's unique culture and approach.

• Specialized Default Services Firm: Folks Hess PLLC is a full-service default services firm, meaning their practice is deeply focused on the intricate legal needs of banks, credit unions, and mortgage servicers. This specialization ensures profound expertise in areas like bankruptcy, foreclosure, and collections.

• "High Touch" Client Service: The firm emphasizes a "high touch" approach, prioritizing responsive and timely communication. They are committed to ensuring clients are always informed about the status of their matters, providing peace of mind and efficient progress.

• Experienced and Diverse Team: Folks Hess is composed of a diverse and seasoned team of legal professionals. Attorneys like Larry Folks have almost three decades of experience in commercial and consumer bankruptcy, foreclosure, and creditors' rights, including significant experience as a foreclosure trustee. Mary Ann Hess, the Managing Member, brings her extensive legal background to lead the firm.

• Compliance-Focused Operations: Given the highly regulated nature of default services, the firm places a major emphasis on compliance. Their attorneys and support staff receive ongoing training in the ever-changing legal landscape, servicer timelines, client confidentiality, and consumer complaint reporting.

• Technology-Driven Efficiency: They utilize advanced case management technology and are well-versed in required client electronic reporting and billing by multiple portals, demonstrating a commitment to efficiency and modern legal practice.

• Recognition and Reputation: The firm has been selected for "Best Law Firms 2022" for Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law (Regional Tier 2, Phoenix), indicating peer recognition for their legal excellence. Larry Folks is also noted as a "Super Lawyers" attorney.

• Deep Understanding of Client Objectives: They place a major emphasis on understanding client goals and tailoring action plans that respect those objectives, ensuring results align with client expectations.

As a highly specialized law firm primarily serving institutional clients like banks, credit unions, and mortgage servicers, Folks Hess PLLC operates within a business-to-business model rather than offering "promotions" or "special offers" typically associated with consumer services. Their value proposition is built on their expertise, efficiency, and proven track record in complex default services.

However, the intrinsic benefits and "offers" that their institutional clients experience include:

• Cost-Efficiency Through Expertise: While not a discounted rate, their deep specialization and efficient processes aim to provide high value. By effectively managing the legal process and tenaciously pursuing favorable outcomes, they strive to minimize the overall cost and maximize recovery for their clients.

• Responsive Communication: Their commitment to timely communication and consistent updates on matter status can be considered a significant "offer" in terms of service quality, ensuring clients have peace of mind and are always informed.

• Strategic Partnership: Folks Hess positions itself as a strategic partner to its clients. This means providing proactive advice, well-conceived solutions, and a collaborative approach to handling sensitive legal matters, which is a core benefit for financial institutions managing large volumes of default cases.

• Compliance Assurance: In an industry heavily scrutinized for compliance, the firm's rigorous training and adherence to regulatory standards offer a crucial "value-add," mitigating risks for their clients.

• Scalability and Infrastructure: For high-volume clients, their experience and infrastructure allow them to successfully meet extensive needs, including handling out-of-court non-judicial trustee's foreclosure sales and complex litigation with seasoned trial lawyers.

Their focus is on delivering high-quality, compliant, and results-driven legal services that provide significant operational and financial benefits to their institutional clients.

For financial institutions, banks, credit unions, and mortgage servicers in Arizona seeking expert legal services in default, bankruptcy, foreclosure, and collections, Folks Hess PLLC can be contacted directly:

• Address: 1850 N Central Ave #1140, Phoenix, AZ 85004, USA

• Phone: (602) 262-2265

• Mobile Phone: +1 602-262-2265 (This is the same primary contact number, provided with the international dialing code for complete clarity, though for local Arizonans, the (602) area code is standard.)

It is recommended to reach out to their Phoenix office during standard business hours to discuss your specific needs and learn how their specialized services can benefit your organization.

For financial institutions, banks, credit unions, and mortgage servicers operating within Phoenix and across the greater Arizona region, Folks Hess PLLC is an exceptionally suitable and highly recommended local legal partner. Its strategic location in downtown Phoenix, easily accessible via major roads and the Valley Metro Light Rail, ensures convenient engagement for local and regional clients.

What makes Folks Hess PLLC particularly suitable for locals in the financial sector is their deep, specialized expertise in Arizona's default services landscape. As an Arizona woman-owned and -managed firm, they possess an intimate understanding of the state-specific laws, regulations, and judicial practices pertaining to bankruptcy, foreclosure, eviction, and collections. This localized knowledge is paramount for efficient and compliant handling of high-volume cases, ensuring that clients benefit from tailored strategies that align with Arizona's unique legal environment.

Furthermore, their commitment to "high touch" service, responsiveness, and an unwavering adherence to integrity and ethical conduct resonates with the professional standards expected by local financial entities. They are recognized within the industry, as evidenced by their "Best Law Firms" ranking, and their attorneys are known by Arizona judges. For financial institutions in Arizona seeking a reliable, efficient, and deeply knowledgeable legal team to manage their default services and creditor rights, Folks Hess PLLC offers a powerful combination of local insight, specialized expertise, and a commitment to delivering high value. They are truly a key partner in maintaining financial health and navigating legal challenges within our Arizona economy.