Stopping Collection Actions

Michigan Collection Defense Lawyer in Sterling Heights

When financial problems hit, they hit hard, and it's easy to be paralyzed by the fear of facing all your issues. You want to save your home, your car and your assets, but you don't know what to do. There are in fact many ways to protect your property and regain your financial stability.

As a Sterling Heights bankruptcy attorney at my Michigan law firm, Hensel Law Office, PLLC, I offer personalized bankruptcy services that can stop collection actions and eliminate your debts. Bankruptcy is an effective legal remedy that can help protect your assets.

The Automatic Stay

When you file your petition, it will result in a court order called an automatic stay that ends all collection actions, including wage garnishment, repossession and foreclosure. It is unfortunate that so many homeowners lose their home to foreclosure because they were unaware of the benefits of filing for bankruptcy.

If you have been threatened with car repossession, any efforts to recover your vehicle will also cease. When you are living paycheck to paycheck and need your car to drive to and from work, this kind of protection can mean all the difference in the world. Stopping collection actions also means putting a stop to creditor harassment calls, letters and emails.

Stopping Creditor Harassment

Once a debtor has filed for bankruptcy, creditors are prohibited from making contact and pressuring an individual to pay. Sometimes simply finding relief from the constant hounding of bill collectors can make a considerable difference in your life, allowing you to think clearly and make wise decisions for your financial future.

Creditors that violate the automatic stay can be held in contempt of court and face penalties such as:

Fines
Payment of your legal fees
Damages

To find out more information on how you can stop creditor collection actions, contact my office and request a free consultation. I will review your financial situation, and help you in any way that I can, including taking legal action against abusive creditors. You have rights, but if you do not fully understand them, you will not know when they have been violated.

Protect Your Rights by Contacting Hensel Law Office, PLLC

Being forced to deal with creditor harassment is a stress that no one should ever have to encounter. When an individual is unaware of their rights, however, they cannot know for sure when a debt collection agency has violated them. In accordance with the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing a debtor—meaning that they cannot engage in certain unlawful practices.

Certain regulations that a collection agency must follow include:

Cannot use obscene or threatening language
Cannot contact you at work if you have asked them not to
Cannot call you repeated for the purpose of harassing
Cannot call before 8 a.m. or after 9 p.m.
Cannot charge additional fees

If you have been subjected to similar behavior by a debt collector, you have the right to take legal action. In order to do so, however, it is advised that you first consult a knowledgeable legal professional. When you enlist the help of the Hensel Law Office, PLLC, you can feel confident in knowing that I will not let such unlawful actions go unaccounted for.

My firm is able to provide assistance to debtors who live in Sterling Heights, Warren and many other parts of the state of Michigan. Contact us today.

Client Testimonials

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
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
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
Mr. Hensel walked me through every step.
“I would highly recommend the Hensel Law Office!! Mr. Hensel walked me through every step, got my garnishments stopped very quickly (even got garnished wages returned to me!) and told me what to expect along the way. He answered all of my questions in a very timely manner- no matter what time I sent an email or gave him a phone call. Also, I felt his price was very reasonable compared to some of the other places that I called. Mr. Hensel answered plenty of questions that I had before I even became a client.”

Carl
Tom was the most professional.
“I researched 3 attorneys before signing with the Hensel Law Office for my bankruptcy proceedings. Tom was the most professional and he explained all of my questions without trying to make a quick buck on me. I would recommend Hensel Law Office to my friends or family going through a similar difficult situation.”

Jerry