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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

  • He is respectful and down to earth with his approach to very complicated legal matters.

    “Hensel Law Office has helped me during a very difficult time in my life. Tom has done a wonderful job with my Chapter 13 case. He always kept in touch with me and explained everything in terms I could understand. I would highly recommend Mr. Hensel to anyone who is facing any bankruptcy filing. He is respectful and down to earth with his approach to very complicated legal matters.”

    Sandra

  • We have and will continue to recommend you to others in need of a fresh start.

    “Dear Tom, my husband and I wanted to express our deepest thanks for the help you gave us during our embarrassing and stressful time. I was very impressed that you returned every phone call in a timely manner. You were able to explain exactly what was going to happen in words that "we" could understand. You answered every question we threw at you. The whole bankruptcy process from start to finish was complete in the time you told us it would take. Your professionalism yet friendliness made the whole experience for us almost enjoyable... almost! We have and will continue to recommend you to others in need of a fresh start.”

    Melissa

  • Sincerest thanks for all of your help in affording me what I consider a real "fresh start."

    “I wanted to give you my sincerest thanks for all of your help in affording me what I consider a real "fresh start". My divorce was unfortunate but definitely a needed change for the better. However, the financial side of things still seemed to keep that past linked, which makes this an enormous weight lifted. I just can't believe the impact it's made on my outlook with...everything.I will be sure to keep your business cards handy to distribute along with highly favorable words of recommendation should the needs arise.Thank you again for your time and professional guidance.”

    Michelle

  • He always responded quickly and intelligently.

    “Mr. Hensel made a difficult and uncomfortable situation as easy as possible for me. He always responded quickly and intelligently to my questions and never made me feel as if I were bothering him. He explained the unknown aspects of bankruptcy, the court system, and my options in clearly understandable terms. I felt confident that he was handling my case in the best possible manner and in my best possible interests. I feel lucky to have found the Hensel Law Office and I never hesitate to refer others who could use assistance - because I know they will get superior service and help.”

    Kelly

  • We couldn't have gotten through this difficult process without Tom.

    “We couldn't have gotten through this difficult process without Tom. We evaluated a number of bankruptcy attorneys and found Tom to be the most knowledgeable and compassionate. He takes the time to explain all aspects of the process and answers your questions thoroughly and promptly both in person and via email. He knows the law and ensures that you receive the best treatment possible depending on your particular situation.”

    T & J