Business Details
27 Years
experience
Your Trusted Michigan Bankruptcy Lawyer
Hensel Law Office, PLLC has provided personalized bankruptcy and debt relief services since 1999. Our firm specializes in Chapter 7 and Chapter 13 bankruptcy filings, foreclosure defense, and alternative debt solutions tailored to individual client needs. We prioritize one-on-one attorney-client relationships, ensuring direct access to legal counsel throughout the entire process. Our practice focuses on educating clients about their options while maintaining strict confidentiality. With over two decades of experience, we guide clients through complex financial challenges while adhering to the highest ethical standards.Our services extend across Michigan, with particular emphasis on Sterling Heights, Warren, and surrounding communities. We offer free initial consultations and flexible appointment scheduling to accommodate client needs. Our commitment to personalized service distinguishes us from larger firms that utilize paralegal-driven models. We maintain active memberships in key legal associations while staying current with evolving bankruptcy regulations. Client testimonials consistently highlight our compassionate approach and technical expertise in navigating financial distress situations.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Debt Relief
Bankruptcy Alternatives
Details
- Year established: 1999
Highlights and features
- We provide direct attorney access without paralegal intermediaries
- Our firm has specialized in bankruptcy law since 1999
- We maintain transparent fee structures with no hidden costs
- We offer free initial consultations for all bankruptcy matters
- We handle all aspects of your case personally from start to finish
What people say
Knowledgeable and helpful
Responsive and intelligent
Superior service
Compassionate and professional
Thorough explanations
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation. This process eliminates qualifying debts like credit card balances and medical bills while protecting essential assets. Our firm guides clients through the means test requirements and discharge process to achieve financial fresh starts.
Chapter 13 Bankruptcy
Chapter 13 establishes structured repayment plans over 3-5 years. This option protects assets while restructuring debts through court-approved payment schedules. We help clients navigate income requirements and develop feasible repayment strategies tailored to their financial circumstances.
Foreclosure Defense
Our foreclosure defense services protect homeowners facing property loss. We explore loan modifications, repayment plans, and bankruptcy options to stop foreclosure proceedings. Our approach combines legal strategy with negotiation skills to preserve client assets and housing stability.
Debt Relief
Debt relief solutions address overwhelming financial obligations through multiple approaches. We evaluate debt settlement, consolidation, and negotiation strategies alongside bankruptcy options to create customized plans that eliminate creditor harassment and establish manageable repayment terms.
Bankruptcy Alternatives
Alternative debt solutions provide non-bankruptcy pathways to financial recovery. Our services include credit counseling, debt management plans, and creditor negotiations to reduce balances and payment terms without formal bankruptcy filings while maintaining legal protections.
People
Thomas M. Hensel
Bankruptcy Attorney
Thomas Hensel has practiced bankruptcy law since 1999, specializing in Chapter 7 and Chapter 13 filings. He graduated from Wayne State University Law School and maintains active memberships in key legal associations while providing personalized debt relief solutions.
Questions
What bankruptcy options are available in Michigan?
Michigan offers Chapter 7 liquidation and Chapter 13 reorganization options. We evaluate your financial situation to determine which option best suits your needs during our free consultation.
How long does bankruptcy take to complete?
Chapter 7 typically takes 4-6 months while Chapter 13 requires 3-5 years of structured payments. We provide detailed timelines during case evaluation.
What are the costs associated with filing bankruptcy?
Chapter 7 costs $338 and Chapter 13 costs $313 in court fees, plus credit counseling course fees ranging from $20-$50. We discuss all costs during initial consultations.
Can bankruptcy stop foreclosure proceedings?
Yes, filing for bankruptcy triggers an automatic stay that immediately halts foreclosure actions. We develop specific strategies to protect your home during the process.
How does your firm handle client communication?
We provide direct attorney access with prompt responses to calls and emails. Clients work exclusively with Thomas Hensel throughout their case without paralegal intermediaries.
