In 1995 Ryan B. Stearn graduated from the University of Michigan with a bachelor's... more
In 1995 Ryan B. Stearn graduated from the University of Michigan with a bachelor's degree in biology with the intention of attending medical school. Upon graduation, however, he accepted a position with a law firm and there found his calling in life. Ryan attended Wayne State University Law School to earn his Juris Doctorate and became an attorney in 2000. Since then, Ryan has practiced law in ... view profile
Thomas Hensel is a dedicated Michigan bankruptcy attorney who handles each case... more
Thomas Hensel is a dedicated Michigan bankruptcy attorney who handles each case personally. If you are facing a bankruptcy related matter such as creditor harassment, chapter 13, chapter 7 or any other bankruptcy law related matter, please do not hesitate to call. Our main office is located in Sterling Heights in Macomb County. I am also available in Brighton and Fenton by appointment only.
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.