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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

  • 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

  • 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

  • Thank you very much for getting us through this very hard time in our lives.

    “I just wanted to thank you very much, for getting us through this very hard time in our lives. You did an excellent job. If anyone I know is in need of a lawyer, we will surely give them your name. Again thanks.”

    John and Linda

  • 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