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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 with 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 Michigan 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 time keeping 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

  • Thank you very much for getting us through this very hard time in our lives.

    “I just wanted to thank you very much, for getting us through this very hard time in our lives. You did an excellent job. If anyone I know is in need of a lawyer, we will surely give them your name. Again thanks.”

    John and Linda

  • 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

  • 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 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

  • You made a difficult experience so much easier.

    “Back a few years ago, you helped me through a bankruptcy. I still tell people how you made a difficult experience so much easier, with your clarity, support, and friendly approach to the law. I'm still very appreciative for all your help – it really helped to pull me out of a difficult place and put my life back on track.”

    Eric