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Howell Bankruptcy Attorney

Find Your Solution to Move Past Overwhelming Debt

Many people are under the pressure of heavy debt. Many individuals and families have been feeling the strain of the difficult economy, and when an unexpected medical emergency appears, a draining divorce occurs, budgets are exceeded, or a job is lost, debt can rack up quickly. You could be faced with foreclosure, creditors could be suing you, and you might be threatened with the prospects of wage garnishment and repossession. If you are looking for a fresh financial start, my firm Hensel Law Office, PLLC, can help. I am Thomas Hensel, a bankruptcy lawyer in Howell, and I have been helping individuals, families, and business owners achieve debt relief for more than 12 years. Call my firm today to set up your free consultation, and we can help you determine if bankruptcy is right for you, or if you can find an alternative to bankruptcy.

When you come to my firm for assistance, I will personally handle your case every step of the way. I will review your case to see if you might be able to consolidate your debt, if you can negotiate with your creditors, change the terms on your home loan, or find some other solution to eliminate your debt. After discussing all your other options, if bankruptcy would best enable you to move on to a stronger financial future, I can assist you in determining whether you are eligible for Chapter 7 or Chapter 13 bankruptcy protection, and I can help you understand what either bankruptcy process would mean for you.

How Bankruptcy Could Benefit You

From the moment you file for bankruptcy, an automatic stay goes into effect, and as long as this automatic stay lasts, it means that creditors can no longer reach you or try to collect debt from you. Throughout the duration of the automatic stay, foreclosure, repossession, and wage garnishment can be prevented. Once a bankruptcy is finalized, most, if not all your debt can have been paid off or eliminated, freeing you to rebuild your credit and achieve your financial goals.

If you want to learn more about these benefits and what life after bankruptcy entails, do not hesitate to contact the Hensel Law Office, PLLC. If you want to find out what types of debt could be discharged in your case, how to stop creditor harassment, or what property is exempt in bankruptcy, you can find the answers to these and more at my firm. I will work with you one-on-one as I examine your case and work as a legal advocate on your behalf to ensure that your rights are protected. Your case will not get transferred from one paralegal to the next.

You can start finding your personal solution to eliminating debt when you call my office today!

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Client Testimonials

  • 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

  • I greatly appreciate your time and effort.

    “It was a great pleasure and relief working with you through that tough time. I greatly appreciate your time and effort on our case. I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.”

    Jay

  • 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

  • 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 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.