Due to COVID-19, we are offering consultations via telephone and video conference. In office consultations are also available via appointment with mask and social distancing requirements observed. We are open and here to help people in these trying times. Please don’t hesitate to call us if you have any questions! Learn More.

Michigan Bankruptcy Attorney Personalized & Skilled Representation

Alternatives to Bankruptcy in Michigan

Debt Relief Options in Sterling Heights & Warren

When a person can no longer meet their financial commitments, it can cause escalating anxiety and worry. 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.

    All of your 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 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.

    I work with clients in the following areas:

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

    How I Can Help You Choose the Right Debt Solution

    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.

    Some of the alternatives to bankruptcy my firm can assist you with include:

    • 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

    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.

    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.

    Finding the right solution to your debts can help you overcome your financial difficulties. Contact our debt relief law firm today for more information.

    Client Testimonials

    • 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 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

    • 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

    • 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

    • 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