OR call us at 602-456-6085 today.
We live in trying economic times. High unemployment, a down economy, and other factors come into play, making it difficult for many to meet their current financial obligations. For many, making mortgage payments is the most challenging of all.
Do you struggle every month to pay your mortgage? Both Chapter 7 and Chapter 13 bankruptcy offer protections and options for homeowners looking to stop foreclosure. But bankruptcy is not always the best option. Some people can achieve the results they desire by working directly with a creditor to modify the terms of their loan, reducing the interest rate and lowering monthly payments.
Contact Wright Law Offices to learn about your specific legal options. A Phoenix loan modification lawyer can help you determine if a loan modification is right for you.
Seeking a Loan Modification
Homeowners looking to modify their mortgages work directly with the lender to reach a mutually beneficial agreement. An agreement likely involves reducing interest rates or reducing monthly payments.
The Home Affordable Modification Program (HAMP) is a newer option available to homeowners at risk for foreclosure. This program is a part of the Making Home Affordable Program, which is a part of 2009’s Financial Stability Act. If eligible, a homeowner can have mortgage payments reduced to 31 percent of his or her monthly gross income (while the government provides incentives to lenders.)
Homeowners in Phoenix, Arizona, turn to Wright Law Offices for straightforward answers to their bankruptcy and loan modification questions. We can discuss your specific legal options based on your current financial situation and goals for the future. We may find that
Chapter 7 or
Chapter 13 bankruptcy is your best option to avoid foreclosure. But we may determine that a loan modification — while taking advantage of current government programs benefiting homeowners — is a better option.
Contact a Scottsdale Mortgage Modification Lawyer
Schedule a free consultation at one of our law offices in Phoenix, Scottsdale, Tempe, Avondale, Prescott, or Chandler. Call 480-845-0145 or
contact an attorney online today.

Practice Areas
Free Consultation
Location Served
Tempe AZ, Phoenix AZ, Scottsdale AZ, Avondale AZ, Mesa AZ and Glendale AZClient Review
"Benjamin Wright with Wright Law Office made a very difficult time for us much easier. We were struggling and did not know what our options were. He explained all our options and helped us to make the best financial decision. They made things easy and were always available to answer any questions we had. I would definitely recommend him."
Carlos Aguirre
Why should you hire our firm to represent you in bankruptcy?
Great question. Here are a few reasons:

Ways we can help…
Our Locations
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Phoenix Office
Wright Law Offices
2999 N. 44th St., Ste 250
Phoenix AZ 85018
Telephone: 602-456-6085 / 866-703-3287
Phoenix Law Office -
Scottsdale Office
Wright Law Offices
7135 East Camelback Road, Ste 230
Scottsdale AZ 85251
Telephone: 480-845-0145 / 866-703-3287
Scottsdale Law Office -
Tempe Office
Wright Law Offices
2238 S. McClintock Dr.
Tempe AZ 85258
Telephone: 480-845-0145 / 866-703-3287
Tempe Law Office -
Avondale Office
Wright Law Offices
12725 W Indian School Rd, Suite E-101
Avondale AZ 85392
Telephone: 623-258-4480 / 866-703-3287
Avondale Law Office -
Mesa Office
Wright Law Offices
4856 E. Baseline Rd.
Suite #104
Mesa, AZ 85206
Telephone: 480-845-0145 / 866-703-3287
Mesa Law Office -
Glendale Office
Wright Law Offices
20325 N. 51st Ave., Suite 134
Glendale, AZ 85308
Telephone: 623-258-4480 / 866-703-3287
Glendale Law Office
What our clients are saying…

Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.

I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!

Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.

Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.

I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.
How does Chapter 13 bankruptcy work?
For individuals who maintain a steady income but are grappling with debts that need more time to be cleared, Chapter 13 bankruptcy could provide a viable solution. This form of bankruptcy enables debtors to retain their property while adhering to a three to five-year repayment plan. In Scottsdale, the bankruptcy attorneys at Wright Law Offices utilize their expertise in developing personalized Chapter 13 plans that are uniquely designed to suit your circumstances and work in your favor.
What role can a lawyer play in tackling credit card debt?
When credit card debt spirals beyond control, the feelings of isolation and stress can be daunting. However, with a knowledgeable lawyer by your side, the situation can be transformed significantly. Lawyers are experienced in negotiating with formidable credit card companies, often succeeding in achieving reduced interest rates or a minimized debt total. At Wright Law Offices, located in Phoenix, our committed legal team stands ready to help you take back control of your financial situation and direct you towards other potential debt relief avenues like bankruptcy.
What happens when foreclosure is knocking on my door?
The prospect of foreclosure can make it seem like your world is tumbling down. Yet, it's vital to remember that there are legal routes available to navigate this challenging situation. Foreclosure is a process initiated by lenders when mortgage payments are overdue, leading them to recover their loan by selling your property. While it sounds intimidating, our adept team at Wright Law Offices in Tempe is here to assist. We guide you through every step of the process, thoroughly exploring all viable options, such as loan modification, bankruptcy, or even contesting the foreclosure in court.
What is a tax debt lawyer's role?
Being in debt to the IRS can create enormous stress. However, a tax debt lawyer can intervene and significantly improve your situation. They're skilled in negotiating a viable payment plan with the IRS, striving to reduce the tax debt you owe, and in certain scenarios, even getting penalties and interest absolved. The proficient team of Scottsdale tax debt lawyers at Wright Law Offices is committed to helping you face this challenge with optimism. Leveraging our deep knowledge of tax law, we're dedicated to securing the best possible outcome for every client we represent.