Michigan Bankruptcy Attorney 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

  • 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

  • You made a difficult experience so much easier.

    “Back a few years ago, you helped me through a bankruptcy. I still tell people how you made a difficult experience so much easier, with your clarity, support, and friendly approach to the law. I'm still very appreciative for all your help – it really helped to pull me out of a difficult place and put my life back on track.”

    Eric

  • 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

  • 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 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