Stopping Repossession & Wage Garnishments in Michigan
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 feel powerless. It is so important that you remember that you are not. You have rights and you have an advocate to help protect them.
Contact the Madison Heights, Michigan, location of Hensel Law Office, PLLC. I offer personalized bankruptcy legal services aimed in part at putting an end to collection actions and creditor abuse. Call me toll-free at 877-232-9161.
You Don’t Have to Lose Your Home
It is unfortunate to see so many homeowners lose their home to foreclosure, and all because they were unaware of the benefits of filing for bankruptcy with a lawyer by their side. When you file for Chapter 7 or Chapter 13-bankruptcy, you are protected from any action taken to foreclose on your home. This is accomplished by what is called an automatic stay. While a Chapter 7 bankruptcy may only serve to delay foreclosure for a short time, Chapter 13 affords an individual or couple the opportunity to restructure their past due payments over a period of between 3 and 5 years.
Protecting Your Property and Paycheck
The automatic stay applies not only to foreclosure efforts, but also stops other property collection attempts. If you have been threatened with car repossession or wage garnishment, once you file for bankruptcy all such collection attempts will stop. 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.
Putting an End to Harassment
Stopping collection actions also means putting a stop to the harassing calls, letters and emails of creditors. Once a debtor has filed 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.
Know your rights when you are caught in the grip of financial trouble - contact an attorney. At Hensel Law Office, PLLC no matter what your bankruptcy issue, home foreclosure, wage garnishments or car repossession, it’s important to know you are not alone. Contact me today to schedule a free initial consultation. Call me toll-free at 877-232-9161.
