Filing a Chapter 7 or Chapter 13 bankruptcy helps you manage your outstanding debts by wiping out most-if not all-of it. In some instances, your financial obligation to repay your debt is removed in bankruptcy. As soon as you file your bankruptcy, the bankruptcy court releases an order (called the "Automatic Stay") which prevents your lenders or creditors from making any attempts at collecting from you.
Contact our Royal Oak and Wyandotte bankruptcy attorneys for assistance in filing your bankruptcy petition or understanding the bankruptcy process. When you declare bankruptcy, you are essentially stopping your lending company from collecting your wages or demanding payments from you.
Contact our Royal Oak and Wyandotte bankruptcy attorneys for assistance in filing your bankruptcy petition or understanding the bankruptcy process. When you declare bankruptcy, you are essentially stopping your lending company from collecting your wages or demanding payments from you.
Services
Hammerschmidt, Stickradt & Associates or HS&A, P.C. was founded in 2001 by Royal Oak bankruptcy attorneys Marguerite Hammerschmidt and Timothy Stickradt. Our Michigan bankruptcy law firm aims to help individuals and families manage their financial situations and get out of debt by filing Chapter 7 bankruptcy, Chapter 13 bankruptcy, or stopping creditor harassment.
Peggy is also active in her community, volunteering time to a home for mentally handicapped young men and women run by the Servants of Charity. She is also active in her children's pre-school and after school activities. Please be aware that submission of this no-obligation form does not establish an attorney-client relationship.
It's time to end your financial crisis! Struggling with debt can be mentally and physically exhausting. However you can take CONTROL of your situation by eliminating bills and making a solid plan to REBUILD your finances for FUTURE security. Our bankruptcy attorneys can help guide you through the process.
Will I lose everything that I own? No, this is a popular myth. In the vast majority of cases you can keep your home and your car along with all your other assets. What does a Chapter 7 bankruptcy do? It will eliminate all unsecured debt such as credit cards, medical bills, personal loans, deficiency balanaces, lawsuits and garnishments.
What is a Chapter 13 Bankruptcy? It is a debt reorganization which in most cases allows you to pay back only a fraction of your debt while discharging the rest. It is different from credit counseling and debt consolidation because unlike those, Chapter 13 forces creditors to participate and it has no tax penalties or consequences.
Reviews (14)
HevyregE HevyregE
Dec 05, 2021
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Tamra Moul
Nov 24, 2021
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Peggy and her staff were like family they walked me through every step of the way The moment I walked through their door feeling embarrassment and shame they put me in ease I would recommend them to anyone that would be considering bankruptcy HSNA law firm get 10 out of 10 for me I will recommend them to all my family and friends Tamra Moul
Lani Burrell
Oct 21, 2021
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From the very first phone call, everyone at this firm have been nothing but pleasant and helpful. For a stressful life event, that would have broken My family, they were there every step of the way. With phone calls, texts, emails and zoom, not even COVID could stop this amazing team from helping me thru one of my darkest hours.
Alan B.
Sep 05, 2021
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Zino Godwin
Aug 02, 2021
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Luv Nic
Jul 20, 2021
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Any concerns l had the law office was very responsive to, and explained everything in the way it could be understood. The process was smooth and anything that was needed from me was requested in a timely matter to allow enough time to provide the documents. The cost of their services are reasonable and they work with all types of credit issues. I would highly recommend them to anyone.
Tara Dixon
Jul 19, 2021
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I came to Hammerschmidt frustrated and vulnerable. They reassured me that I would be fine and that I was in good hands. This group of attorneys and they're team are truly Amazing. Thank you guy's for everything. My experience with you was and is truly Amazing. I Highly recommend Hammerschmidt,Stickradt & Associates to any and everyone whose having financial problems. They will handle you with Care.
Angie Wagstaff
Jun 30, 2021
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Positive: Professionalism, Responsiveness
Very professional and easy to work with! They always made me feel comfortable and never embarrassed about my financial situation… I worked with the Royal Oak location for my bankruptcy and everyone in the office was soooo amazing and helpful! Would definitely recommend!
Very professional and easy to work with! They always made me feel comfortable and never embarrassed about my financial situation… I worked with the Royal Oak location for my bankruptcy and everyone in the office was soooo amazing and helpful! Would definitely recommend!
Martina Williams
Jun 01, 2021
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My husband and I got into some financial trouble a little while ago. We truly didn't know what to do. I searched online for help and came across HS&A's website. I scheduled an appointment to meet with an attorney and from there we are debt free now. If you need help with your situation take my advice and contact HS&A. Everyone there is willing to help without hesitation.
I am a very satisfied customer!!
I am a very satisfied customer!!
Lloyd Rowry
Apr 04, 2021
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Peggy, and her group made the process easy for me to understand and live without worry, while the bankruptcy was working it way through the
system. Once we declared I was able to start working right away.
The key to the process is patients, and having a staff like Peggy's to
help you through. My credit score is hovering and 700, and I will be buying
a new home next year. This second chance has been an eye opening
experience, don't let your PRIDE get in the way of re-establishing your
life.
system. Once we declared I was able to start working right away.
The key to the process is patients, and having a staff like Peggy's to
help you through. My credit score is hovering and 700, and I will be buying
a new home next year. This second chance has been an eye opening
experience, don't let your PRIDE get in the way of re-establishing your
life.
Kelly Seigmiller
Dec 04, 2019
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Tim Ciotti
Jul 30, 2017
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Margaret Sullivan
Jun 30, 2016
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We hired Mr. Stickradt for a disabled man who had his car seized due to unpaid medical bills. Mr. Stickradt told the client that he needed to file for bankruptcy, and they would legally have to return his car. Mr. Stickradt said, "I will personally see to it that he gets his car back if it means I have to go there myself." This confident statement… is why we hired him and paid him upfront, borrowing the money to do so. Well, two years later, there is no car, nor any compensation. The medical bills were around $1,000, and the car was worth $6,000. If the car was sold at an auction, the client
Pete Maughan
Feb 02, 2016
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