About Us

Helping homeowners exit underwater properties.

When the housing bubble burst in 2007-2008, the landscape of Arizona real estate changed dramatically. Since we had performed our first short sale in 2002, we were ahead of the industry in being able to assist those who had lost their jobs, seen a reduction in pay, had a medical issue, etc. short sell their homes.

Now that several years have passed, the dynamic has changed. Homeowners who are capable of making their mortgage payments are realizing just how underwater their homes are, and are wondering what their options are.  We are still surprised to hear that so many homeowners are unaware of the implications of The Mortgage Forgiveness Debt Relief Act that expires December 31st, 2012.

Default on Purpose works with homeowners who may not have a traditional hardship find the best possible exit strategy. Since every situation is different we provide legal counsel so we can inform you of every option available and choose the appropriate strategy that is best for you.

Our Real Estate Attorney: William Kozub

William A. Kozub is a founder of the Scottsdale, Arizona real estate and business law firm, Kozub Kloberdanz.  His real estate and business practice involves a variety of areas, including commercial real estate transactions and development, non-traditional real estate investment, transactional finance and trustee’s sales, construction law, land use and litigation.  He regularly assists his clients in all aspects of commercial, residential and industrial real estate acquisition and development, including project planning, finance, governmental processing and compliance, construction, and the sale or leasing of the completed product.  His clients include real estate development companies; builders and contractors; real estate brokers; individual and institutional borrowers; lenders and guarantors; purchasers and sellers of real property; and commercial landlords and tenants.

Mr. Kozub is the chair of the Real Property Section of the Arizona State Bar and has been a member of the Executive Counsel of the Real Property Section of the Arizona State Bar since 2012.  Mr. Kozub has been published in such publications as the Arizona Department of Real Estate Bulletin, RealTimes.com and the Arizona Journal of Real Estate & Business.  He is a member of the legal education faculty at the Arizona School of Real Estate and Business in Scottsdale, Arizona.  He provides continuing legal education to the Arizona legal community on real estate issues and is a frequent guest lecturer for various professional organizations in the real estate and construction industry.

Mr. Kozub is licensed to practice law in Arizona and California, and holds an active Arizona broker’s license.  Mr. Kozub holds an AV rating from Martindale-Hubbell and received the International Academy of Trial Lawyers Commendation for Distinguished Achievement in the Art and Science of Advocacy.


1992    State Bar of California
1993    State Bar of Arizona


May 1992 | Juris Doctor
Arizona State University College of Law, Tempe, Arizona

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