Frank T. Waters

Frank T. Waters provides personalized legal guidance to individuals, families, and businesses facing financial pressure, estate concerns, and important planning decisions. His practice emphasizes direct attorney involvement, practical communication, and tailored solutions that help clients understand their options, protect key interests, and move forward with greater confidence at each stage.

Frank earned his Juris Doctor from the University of Mississippi School of Law in 2002. Before law school, he earned a Master of Arts in History from Northern Arizona University in 1999 and a Bachelor of Science in History in 1996, reflecting strong analytical preparation. His bankruptcy practice includes Chapter 7, Chapter 11, Chapter 13, and debt relief matters. He assists clients overwhelmed by debt by explaining available protections, evaluating repayment or discharge options, addressing creditor pressure, and pursuing legal strategies to reduce financial strain and support a more stable future under Arizona law.

In estate planning, Frank helps clients prepare wills, trusts, health care directives, guardianships, conservatorships, and related planning documents. His work supports clear instructions, asset protection, family decision-making, and organized plans that can reduce uncertainty during incapacity, estate administration, or future legal transitions for loved ones when guidance matters. His probate practice includes estate administration, probate litigation, and will contests. He guides clients through court procedures, beneficiary questions, document review, fiduciary responsibilities, and estate disputes, helping families address legal obligations with careful attention, clear explanations, and steady support during difficult and often emotional circumstances toward fair resolution

Frank T. Waters also assists clients with foreclosure defense, helping property owners understand their rights, evaluate possible defenses, and respond to creditor actions. His approach focuses on careful review, practical planning, and direct communication, so clients can make informed decisions at each step when their homes, finances, or property interests are at risk. After working in a busy law firm environment, he opened his own practice to provide more individualized attention. Through his Arizona law office, he offers client-focused representation built on accessibility, preparation, and practical problem-solving for people seeking effective legal counsel during bankruptcy, probate, foreclosure, and estate planning matters from consultation to resolution.

Law Office Affiliations

• Owner, Law Offices of Frank T. Waters
• Member, State Bar of Arizona

Licensed State

• Arizona

Education

• University of Mississippi
  Juris Doctor (JD)
• Northern Arizona University
  MA in History
• Northern Arizona University
  BS in History

Awards & Badges