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Get Financial Freedom Personalized & Skilled Representation

Michigan Collection Defense Attorney

Defending Michigan Consumers for Over 20 Years

Collection agencies often have notoriously bad reputations, especially for individuals who are facing debt. Creditors can be extremely intimidating and corrupt business practices exist despite consumer protection acts banning them.

If you’re facing a debt collection lawsuit, it’s time to take action. As a Michigan collection defense attorney, I am prepared to create a strong defense on your behalf. I will do whatever it takes to help you achieve a favorable outcome.

Don’t wait – schedule your free consultation with Hensel Law Office, PLLC right away.

What to Do When You are Sued by a Debt Collector

If you default on a debt, your creditor or the collection agency can sue to seek payment. After receiving legal papers for your summons, you will only have 30 days to respond.

Without a response, your debt collection case may go into a default judgement. When this happens, the collector can freeze your bank account, garnish your wages, place property liens, and otherwise attempt to collect on the debt.

However, there are certain debt collection actions prohibited to collectors. The Fair Debt Collection Practices Act (FDCPA) outlines specific protections available to consumers. Actions such as threats of violence or calling outside specific time windows are considered creditor harassment.

Protect Yourself Against a Lawsuit

Recently, two collection agencies have been incurring a great deal of bad press. Asset Acceptance and Credit Acceptance are companies posing as something they’re not and consumers are suffering as a result. Lawsuits are filed frequently by these collection agencies, causing those being sued to feel utterly defenseless. With the right attorney on your side, you can have hope in whatever the future brings.

Defense strategies a collection attorney can employ include:

  • The creditor failed to abide by the statute of limitations
  • The contract you signed is illegal
  • The creditor threatened you so you would agree to sign something
  • The services you received were defective
  • You didn’t receive what the collection agency promised you
  • The contract was full of ambiguity
  • Your property was damaged in the process of the services being delivered

These defenses must be included in your formal response to the creditor’s lawsuit. This means that consulting with an attorney is imperative even before you respond to the creditor. Failing to do so can ruin your chances of securing justice.

Speak with Hensel Law Office Today

Asset Acceptance and Credit Acceptance are both fraudulent companies. A lawsuit from them can be even more damaging than under ordinary circumstances. In the face of such dishonesty, you deserve to have your rights aggressively defended.

I understand the fear you may be experiencing and want to do whatever I can to alleviate your anxiety. Get in touch with my firm for a proactive approach to your case.

Client Testimonials

  • 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

  • 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

  • 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.

  • Mr. Hensel walked me through every step.

    “I would highly recommend the Hensel Law Office!! Mr. Hensel walked me through every step, got my garnishments stopped very quickly (even got garnished wages returned to me!) and told me what to expect along the way. He answered all of my questions in a very timely manner- no matter what time I sent an email or gave him a phone call. Also, I felt his price was very reasonable compared to some of the other places that I called. Mr. Hensel answered plenty of questions that I had before I even became a client.”

    Carl

  • 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