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Stopping Collection Actions

Michigan Collection Defense 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

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
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.
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
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 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