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Bankruptcy Precursors

Michigan Bankruptcy Attorney

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 his or her 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 end 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 is one of the most effect 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 mistakes of the past.

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

  • Harassing phone call, 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

  • 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.

  • 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

  • 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

  • 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

  • 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