Mortensen Law Offices
Mortensen Law Offices is a bankruptcy attorney serving Tucson, AZ.
About Mortensen Law Offices
Mortensen Law Offices, PLLC is a Tucson law firm focused on bankruptcy and related debt relief matters. The office identifies Wayne Mortensen as a bankruptcy attorney serving people throughout Arizona, with a particular focus on Tucson, Southern Arizona, and the Phoenix and Mesa metropolitan areas. Its work centers on helping individuals understand their options when debt has become difficult to manage, including bankruptcy, debt settlement, tax resolution, and possible student loan discharge.
The firm handles both Chapter 7 and Chapter 13 bankruptcy. Chapter 7 is presented as a way to address unsecured debts such as credit cards, medical bills, payday loans, personal loans, and some IRS taxes. The office also explains that filing may stop collection activity, including lawsuits, garnishments, and creditor harassment. Chapter 13 is described as a reorganization option that can provide more flexibility than a traditional Chapter 7 case. According to the firm's website, many Chapter 13 clients repay only a portion of what they owe, although the appropriate path depends on each person's circumstances.
Mortensen Law Offices also works with people who may not want to file bankruptcy or who may not qualify. Its debt settlement service is intended to explore alternatives to bankruptcy, and the firm states that settlements can sometimes reduce the amount a client must pay. Tax problem resolution is another area of practice. The office discusses the role bankruptcy can play in resolving certain tax debts and states that Wayne Mortensen has handled back taxes for clients. Student loan discharge is addressed separately, with the firm noting that changes involving the Department of Education and Department of Justice may allow some student loans to be discharged through a hardship process.
The firm's website emphasizes the importance of getting legal advice before making major financial decisions. It advises prospective clients to seek guidance before transferring assets, paying certain debts to family or friends, or using retirement funds or home equity to pay creditors. The site's bankruptcy information also addresses concerns about homes, vehicles, personal property, credit, employment, and which debts must be listed in a filing. It explains that exemptions may protect some property, while also noting that not every debt is dischargeable. These issues require an individual review of assets, debts, income, and other details, rather than relying on general advice from friends or online sources.
The office serves clients in Northwest Tucson, East Tucson, and rural parts of Arizona, as well as communities including Marana, Oro Valley, Sierra Vista, Nogales, Rio Rico, Benson, Saint David, Safford, Thatcher, Elgin, Sunsites, Morenci, Eloy, and Red Rock. The firm says it has multiple Tucson offices and also offers Bankruptcy By Phone for people who cannot attend an in-person visit. A free consultation or Chapter 7 analysis is available through the office's website, where prospective clients can begin by describing their debt concerns. Visitors can expect a discussion of their circumstances and the bankruptcy or debt relief options that may apply.