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Bankruptcy Process in Michigan

Understanding the Steps in Bankruptcy

There are very specific steps in the bankruptcy process that must be followed before the court will approve your petition. You will be legally required to take the means test, which will determine if you qualify for Chapter 7, the liquidation of non-exempt assets to pay creditors. If the test shows that you have sufficient disposable income to pay back creditors, you will be required to file for bankruptcy under Chapter 13, the restructuring of creditor payment plans.

Other steps in the process include:

When you file for Chapter 7, a bankruptcy trustee will be assigned to your case. After your non-exempt assets have been sold, the trustee will distribute the proceeds to your creditors. In a Chapter 13 bankruptcy, you will meet with your creditors in bankruptcy court, where your repayment plan will be reviewed. Retaining the services of a Michigan bankruptcy attorney to assist you with the bankruptcy process is strongly recommended. Bankruptcy laws can be extremely complex and any mistakes or errors in your petition can delay your bankruptcy or even result in a petition denial. A bankruptcy lawyer will ensure you have completed the required steps of the process, and your paperwork is in compliance with state and federal laws.

Retain the Services of a Bankruptcy Lawyer

The more you know about the bankruptcy process and timeline, the easier it will be to decide if you want to take advantage of this legal remedy. My firm, Hensel Law Office, PLLC, has represented individuals from all walks of life seeking bankruptcy protection and can help you decide if bankruptcy the rights solution for your debt problems. This includes individuals in Warren and Sterling Heights, as well as the areas of Madison Heights, Royal Oak, and Clinton Township.

I am a sole practitioner that works closely with each of my clients, and will personally manage every aspect of your bankruptcy case. You will never be passed off to another attorney, paralegal or secretary. As a Michigan bankruptcy lawyer, I strive to provide my clients with outstanding service, and will always be attentive to your needs.

Contact my firm today to learn more about how I can help.

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.

  • 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

  • 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

  • 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

  • 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