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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

  • 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

  • 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

  • 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

  • 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