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Stopping Creditor Harassment

Are you dealing with creditor harassment in Michigan?

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collection agencies from harassing debtors, and requires them to adhere to strict collection guidelines. Are you being contacted by collection agencies seeking payment on money they are owed? Knowing your rights can prevent abuses, and help reduce any stress you may be experiencing from unethical collection practices.

FDCPA laws forbid creditors from:

  • Engaging in false, misleading or deceptive representation
  • Making threats
  • Using derogatory or obscene language
  • Making repeated phone calls
  • Falsifying information any information regarding the money you owe
  • Contacting you directly when you are represented by an attorney
  • Calling before 8:00 a.m. or after 9:00 p.m. at night
  • Contacting you at work if your employer prohibits collection calls
  • Continuing to contact you after being notified in writing not to

Creditor harassment is a serious matter and should be addressed immediately when it occurs. The best person to speak with regarding creditor abuse is a Michigan bankruptcy attorney who is well-versed in FDCPA legislation. A bankruptcy lawyer will know how to protect your rights and what to do to stop the harassment.

Sterling Heights Bankruptcy Lawyer Serving All of Michigan

You should never allow a debt collection company to get away with abusive behavior. Financial problems can cause considerable worry and unlawful collection tactics will only add to your anxiety. My firm, Hensel Law Office, PLLC, provides aggressive representation in cases involving creditor harassment. I will never allow any of my clients to be beaten down by a company violating FDCPA statutes. I offer a free consultation and will act quickly to put an end to the abuse.

Please call my office today if you live in Madison Heights, Royal Oak, Sterling Heights, Clinton Township or Warren to find out about your consumer rights.

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

  • 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

  • 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

  • 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.

  • 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