Michigan Foreclosure Lawyer

Comprehensive Foreclosure Defense in Michigan

Financial problems can be caused by many different situations, including the loss of a job, a divorce or an unexpected health crisis. You can also get into financial trouble by using too many high-interest credit cards or simply spending more than you make. Overwhelming debts can have many undesirable consequences, such as creditor harassment, lawsuits and the repossession of your personal property. If you are a homeowner and can no longer make your mortgage payments, you may even lose your home through foreclosure.

Consulting a bankruptcy attorney is the best way to find out about your options under Michigan foreclosure law. A lawyer can review your entire financial situation and give you valuable advice regarding your mortgage. My firm, Hensel Law Office, PLLC, has represented clients in financial trouble for over 12 years. I know how upsetting it can be when you can no longer pay your bills and are facing foreclosure.

When I work with clients, I make sure they understand their rights and provide personalized service when addressing their debt problems. If filing for bankruptcy is the best solution, I will manage every aspect of your case.

Explore Your Options to Halt Foreclosure in Michigan

In Michigan, a lender can start foreclosure proceedings through either filing a lawsuit or competing procedures outside of court. However, even if the foreclosure process has started, you have several options available to save your home.

Discover multiple strategies to prevent foreclosure, such as:

Loan modification
Deed in lieu
Strategic default
Short sale
Filing for Chapter 7 or Chapter 13 bankruptcy

Local Foreclosure Defense Solutions for Sterling Heights & Warren Residents

In Sterling Heights and Warren, many homeowners face unique challenges that can lead to foreclosure. Local economic factors, such as fluctuations in the job market and rising living costs, can create financial strain. If you find yourself struggling to keep up with mortgage payments, it’s essential to know that you are not alone. The City of Sterling Heights and the City of Warren both offer resources for residents facing financial difficulties, including housing assistance programs and financial counseling services through local non-profits.

Understanding the foreclosure process in Michigan can be daunting, especially when you’re dealing with the stress of potential home loss. Local government entities, such as the Michigan State Housing Development Authority (MSHDA), provide valuable information on foreclosure prevention and homeownership support. However, this is not a replacement for legal advice.

My team at Hensel Law Office, PLLC is dedicated to helping clients in Sterling Heights, Warren, and surrounding areas by providing personalized foreclosure defense strategies tailored to your specific needs. Whether it’s negotiating with your lender or exploring bankruptcy options, we can help you regain control of your financial future.

Don’t let the fear of foreclosure overwhelm you. Reach out today for a consultation, and let’s discuss how we can work together to protect your home and financial well-being.

Personalized Foreclosure Prevention Assistance in Michigan

Because I am a solo practitioner, you will never have to worry about being passed around between attorneys, or deferred to a paralegal or secretary. I provide a free initial consultation where you can discuss your situation in a confidential setting and am available evenings and Saturdays by appointment. My rates are affordable and I also offer payment plans to make it easier for you to get whatever legal help you need.

Providing legal support to residents of Sterling Heights, Warren, and surrounding Michigan areas. Contact us now for expert guidance on saving your home.

Commonly Asked Questions

How can a Michigan foreclosure lawyer help me?

A Michigan foreclosure lawyer can provide invaluable assistance during a challenging financial time. They will review your financial situation, explain your rights, and outline the best strategies to prevent foreclosure. With their guidance, you can explore options like loan modifications or bankruptcy filings that may be suitable for your circumstances. A lawyer can also represent you in negotiations with lenders, ensuring that your interests are protected.

What should I expect during my initial consultation with a foreclosure lawyer?

You can expect a thorough review of your financial situation. The attorney will ask about your income, debts, and any correspondence you've had with your lender. This meeting is an opportunity for you to discuss your concerns and ask questions about the foreclosure process and your rights. This consultation is typically confidential and free, allowing you to make informed decisions about your next steps without any financial pressure.

Client Testimonials

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
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
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.
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
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