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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!

Resource Links for Howell, MI

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

  • 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

  • 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

  • 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 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