Get Financial Freedom Personalized & Skilled Representation

Debt Relief in Michigan

Options for Debtors in Sterling Heights, Warren & Beyond

Deciding how best to remedy your debt problems requires knowing the benefits and drawbacks of various debt relief remedies, such as debt negotiation, debt settlement, debt consolidation and filing for bankruptcy. Negotiating your debts can reduce interest rates and lower your monthly payment. Debt settlement will involve reaching an agreement with your creditor to pay off a percentage of the amount of money you owe.

Consolidating your debts will involve acquiring one large loan to pay off smaller debts. It can also include transferring your debts to a low interest credit card. Most people who file for bankruptcy do so under Chapter 7 or Chapter 13. In a Chapter 7 bankruptcy, your non-exempt assets will be catalogued and sold to pay off your creditors. A Chapter 13 bankruptcy will allow you to restructure your payment plans to creditors.

Some of the benefits of bankruptcy include:

  • You will no longer be harassed by creditors, debt collection companies or lenders
  • The risk of losing your personal property through repossession will be eliminated
  • Any foreclosure actions will be stopped
  • You can rebuild your credit
  • The stress of unpaid bills will disappear

I am a Michigan bankruptcy lawyer that has spent over 12 years assisting clients with the bankruptcy process and other debt relief remedies in Madison Heights, Royal Oak, Sterling Heights, Clinton Township and Warren. If you need a solution to your debt problems, contact my office to schedule a free initial consultation.

Get Rid of Your Debt with a Michigan Bankruptcy Lawyer

My firm, Hensel Law Office, PLLC, specializes in bankruptcy cases and helping people get back in control of their finances. As a Michigan bankruptcy attorney, I am dedicated to providing my clients with whatever assistance they need to get out of debt. I know that financial hardships can be difficult, and will help you develop a strategy to achieve a debt-free life. These days, it doesn't take much to get into debt. You deserve a second chance to create a better financial future, and I will use all of my knowledge and experience to help you start fresh.

My fees are affordable and you can also take advantage of financing options such as a payment plan, so call today to learn more.

Client Testimonials

  • 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

  • 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

  • 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

  • He always responded quickly and intelligently.

    “Mr. Hensel made a difficult and uncomfortable situation as easy as possible for me. He always responded quickly and intelligently to my questions and never made me feel as if I were bothering him. He explained the unknown aspects of bankruptcy, the court system, and my options in clearly understandable terms. I felt confident that he was handling my case in the best possible manner and in my best possible interests. I feel lucky to have found the Hensel Law Office and I never hesitate to refer others who could use assistance - because I know they will get superior service and help.”

    Kelly

  • 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