Get Financial Freedom Personalized & Skilled Representation

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

  • 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

  • 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

  • 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

  • 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