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.

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

  • 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

  • He is respectful and down to earth with his approach to very complicated legal matters.

    “Hensel Law Office has helped me during a very difficult time in my life. Tom has done a wonderful job with my Chapter 13 case. He always kept in touch with me and explained everything in terms I could understand. I would highly recommend Mr. Hensel to anyone who is facing any bankruptcy filing. He is respectful and down to earth with his approach to very complicated legal matters.”

    Sandra

  • 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 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.