Michigan Bankruptcy Attorney Personalized & Skilled Representation

Alternatives to Bankruptcy in Michigan

Debt Relief Options in Sterling Heights & Warren

When you are in a financial bind, finding out about your debt relief options is one of the first steps to resolving your money troubles. Filing for bankruptcy is the debt solution that most people think of when they have overwhelming amounts of unpaid bills.

It should only be used as a last resort option, if all other alternatives can't help you get your finances back on track, such as:

  • Consolidating your debts under one loan
  • Negotiating with your creditors to reduce the amount of money you owe
  • Modifying the terms of your home loan
  • Work with a credit counseling agency

All of you options should be fully explored before you make any final decisions regarding your finances. If you believe bankruptcy is the right solution for your debt problems, it will be beneficial to seek legal counsel right away. As a Michigan bankruptcy lawyer, I use my firm to help people struggling with their debts. Hensel Law Office, PLLC specializes in handling financial matters and bankruptcy procedures, ensuring the matter is taken care of correctly in order to dispel all possible debt.

Choosing the Right Debt Solution

If you are looking for a way to improve your financial condition, I may be able to provide the legal advice and assistance you need. I have helped people with their financial problems for over 12 years. With my knowledge and legal expertise, I am here to explain all of your alternatives, helping you understand how they will impact your current situation and your financial future.

This includes individuals and families in the following areas:

  • Madison Heights
  • Royal Oak
  • Sterling Heights
  • Clinton Township
  • Warren

There are many factors that need to be considered when deciding what to do about your debts. Every solution will have both advantages and disadvantages that should be thoroughly reviewed before you take any action. I make sure my clients understand the full ramifications of any debt remedy they are considering. I also provide on-going support and assistance until your financial objectives have been achieved. When a person can no longer meet their financial commitments, it can cause escalating anxiety and worry.

Finding the right solution to your debts can help you overcome your financial difficulties, which is why it is so important for you to contact a Michigan bankruptcy attorney today.

Client Testimonials

  • 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

  • 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

  • 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

  • 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.

  • 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