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Debt Consolidation in Michigan

Bankruptcy Lawyer for Warren & Sterling Heights

One of the ways a person can address their debt situation is through debt consolidation. This involves acquiring one large loan to pay off smaller bills. Usually, the loan has better payment terms, including lower interest rates. Homeowners that are trying to reduce their debts will often refinance their home as a way of stabilizing their financial situation.

Some of the gains that can be had with debt consolidation include:

  • Making only one bill payment each month
  • Reduction of interest rates
  • No more penalties and late fees
  • Reduced monthly payments

A bankruptcy lawyer is a good source of advice if you are having financial trouble, and can discuss your options, including debt consolidation. Consulting a legal professional will ensure that you are being given reliable information regarding the impact various debt solutions will have on your finances.

Are you in financial trouble?

A financial crisis can make it difficult to pay even basic living expenses, and lead to other problems such as creditor lawsuits. Spending your timekeeping creditors at bay can be demoralizing and make it hard to focus on solutions to your situation. My firm, Hensel Law Office, PLLC, is dedicated to your financial well-being, and I will work with you every step of the way to improve your financial condition.

I will also make sure that your rights and interests are fully protected at all times, and prevent creditor abuses. Finding the right debt solution is important. If you live in Madison Heights, Royal Oak, Sterling Heights, Clinton Township, or Warren, I can provide the information and advice you need to make the best decision possible regarding your financial circumstances, and will continue to support you in any way that I can until your situation has resolved.

Contact my office today to begin reviewing your debt consolidation case.

Client Testimonials

  • His knowledge and expertise made a very difficult time in our lives much easier.

    “From start to finish our experience with Mr. Hensel was great. He carefully and thoroughly explained the entire process to us and was always available for any questions or concerns we had. His knowledge and expertise made a very difficult time in our lives much easier. We are very thankful for his help in our situation.”

    Christine and John

  • Tom Hensel is definitely the right attorney to call!

    “I was referred to Tom Hensel by a friend. My first impression was not only was Tom professional but he's so kind and caring too. He helped my husband and I through an embarrassing, scary situation and definitely made it more positive one. He guided us through our options and helped us make the right decision for us which ended up being a chapter 7 bankruptcy. Tom was so knowledgeable and helped us throughout the whole process. He never once made us feel uncomfortable or dumb when we had questions. He was also very easy to get a hold of when questions would come up and would always return our calls and emails promptly. I strongly recommend Tom to anyone going through this kind of financial nightmare. Do yourselves a favor and call him right away. He will help you get on the right path again. Our only mistake was waiting so long to call him!! When we in court waiting our turn all the other attorneys referred to their clients as "The debtors" Tom on the other hand acknowledged us by our names. Little things mean a lot and that left a lasting impression with us. Tom Thank You again for all your help!!”

    Stacy S.

  • Utmost dedication and professionalism.

    “I chose to work with Tom Hensel after meeting with several big name firms in the area. Tom handled my unique situation with the utmost dedication and professionalism. The personal service I received from him made all the difference in my case. My only regret is that I didn't call him first.”

    Craig

  • Professional, competent, empathetic attorney.

    “My husband and I were forced into a position to file for Chapter 7 bankruptcy. We were devastated and mortified that we had to choose that route, but Tom eased our stress about the filing and court hearing process, as he thoroughly explained what Chapter 7 entails, as well as exactly what to expect during and after the filing process; he was accurate on each point that he advised us on. Tom also kept in frequent contact with us and responded quickly to any questions or concerns that we had while we worked with him. Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours. Thank you, Tom, for your dedicated help during this process.”

    EJO

  • I greatly appreciate your time and effort.

    “It was a great pleasure and relief working with you through that tough time. I greatly appreciate your time and effort on our case. I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.”

    Jay