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Bankruptcy Precursors

Debt Relief Options for Residents of Michigan

There are many factors that can affect a person's financial stability. Some financial problems develop over time, such as the use of too many high-interest credit cards or not sticking to a budget. A financial crisis can also occur unexpectedly when a person loses their job or is faced with a medical emergency. Even a divorce can bring about cash flow issues that result in unpaid bills. When you accumulate too many debts and can no longer meet your expenses, it is easy to become apathetic about the situation.

This almost always ends up making matters much worse, as creditors will step up their efforts to collect whatever money they are owed or to recover their property. Many people don't realize there are many ways to overcome a financial crunch, including debt negotiation, debt consolidation and filing for bankruptcy. If you live in Madison Heights, Royal Oak, Sterling Heights, Clinton Township, or Warren and are struggling financially, contact a Michigan bankruptcy lawyer for advice. The sooner you address your money woes, the faster you can get back on the right track.

Bankruptcy Debt Relief

My firm, Hensel Law Office, PLLC, represents clients in need of financial help. I provide individuals and families with legal advice on how to improve their financial condition and assist them in eliminating their debts. People from many different economic brackets have found that filing for bankruptcy, whether under Chapter 7 or Chapter 13, is one of the most effective methods of changing their financial circumstances. Not everyone qualifies for this debt relief remedy, but those that do find that they are able to get out from under the mistakes of the past.

Once a bankruptcy petition is filed, an automatic stay will be issued that will stop:

  • Harassing phone calls, letters, and emails from creditors
  • Efforts to repossess your property
  • The garnishing of your wages
  • Home foreclosure

As a Michigan bankruptcy attorney, I offer a free consultation where all of your legal options can be explored and any questions you have regarding your finances fully answered. I provide my clients with personalized and attentive legal services and work with them directly to develop a plan that will get them out of debt.

Whether you live in Sterling Heights, Warren or another community within the state of Michigan, give us a call so we can begin assisting you!

Client Testimonials

  • His knowledge and expertise made a very difficult time in our lives much easier.

    “From start to finish our experience with Mr. Hensel was great. He carefully and thoroughly explained the entire process to us and was always available for any questions or concerns we had. His knowledge and expertise made a very difficult time in our lives much easier. We are very thankful for his help in our situation.”

    Christine and John

  • 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

  • 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 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