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Stopping Collection Actions

Michigan Bankruptcy Lawyer in Sterling Heights

When financial problems hit, they hit hard, and it's easy to be paralyzed by the fear of facing all your issues. You want to save your home, your car and your assets, but you don't know what to do. There are in fact many ways to protect your property and regain your financial stability.

As a Sterling Heights bankruptcy attorney at my Michigan law firm, Hensel Law Office, PLLC, I offer personalized bankruptcy services that can stop collection actions and eliminate your debts. Bankruptcy is an effective legal remedy that can help protect your assets.

The Automatic Stay

When you file your petition, it will result in a court order called an automatic stay that ends all collection actions, including wage garnishment, repossession and foreclosure. It is unfortunate that so many homeowners lose their home to foreclosure because they were unaware of the benefits of filing for bankruptcy.

If you have been threatened with car repossession, any efforts to recover your vehicle will also cease. When you are living paycheck to paycheck and need your car to drive to and from work, this kind of protection can mean all the difference in the world. Stopping collection actions also means putting a stop to creditor harassment calls, letters and emails.

Stopping Creditor Harassment

Once a debtor has filed for bankruptcy, creditors are prohibited from making contact and pressuring an individual to pay. Sometimes simply finding relief from the constant hounding of bill collectors can make a considerable difference in your life, allowing you to think clearly and make wise decisions for your financial future.

Creditors that violate the automatic stay can be held in contempt of court and face penalties such as:

  • Fines
  • Payment of your legal fees
  • Damages

To find out more information on how you can stop creditor collection actions, contact my office and request a free consultation. I will review your financial situation, and help you in any way that I can, including taking legal action against abusive creditors. You have rights, but if you do not fully understand them, you will not know when they have been violated.

Protect Your Rights by Contacting Hensel Law Office, PLLC

Being forced to deal with creditor harassment is a stress that no one should ever have to encounter. When an individual is unaware of their rights, however, they cannot know for sure when a debt collection agency has violated them. In accordance with the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing a debtor—meaning that they cannot engage in certain unlawful practices.

Certain regulations that a collection agency must follow include:

  • Cannot use obscene or threatening language
  • Cannot contact you at work if you have asked them not to
  • Cannot call you repeated for the purpose of harassing
  • Cannot call before 8 a.m. or after 9 p.m.
  • Cannot charge additional fees

If you have been subjected to similar behavior by a debt collector, you have the right to take legal action. In order to do so, however, it is advised that you first consult a knowledgeable legal professional. When you enlist the help of the Hensel Law Office, PLLC, you can feel confident in knowing that I will not let such unlawful actions go unaccounted for.

My firm is able to provide assistance to debtors who live in Sterling Heights, Warren and many other parts of the state of Michigan. Contact us today. 

Client Testimonials

  • 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

  • He is respectful and down to earth with his approach to very complicated legal matters.

    “Hensel Law Office has helped me during a very difficult time in my life. Tom has done a wonderful job with my Chapter 13 case. He always kept in touch with me and explained everything in terms I could understand. I would highly recommend Mr. Hensel to anyone who is facing any bankruptcy filing. He is respectful and down to earth with his approach to very complicated legal matters.”

    Sandra

  • 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

  • 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

  • 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