Business Details
25 Years
experience
Emergency
services
Your Trusted Bankruptcy Attorneys in Troy, Michigan
Hammerschmidt, Stickradt & Associates, P.C. is a dedicated bankruptcy law firm serving Southeast Michigan since 2001. Our attorneys specialize in Chapter 7 and Chapter 13 bankruptcy, offering personalized guidance to help clients eliminate debt, stop foreclosures, and rebuild financial stability. With over two decades of combined experience, we prioritize compassionate representation, leveraging our expertise to navigate complex bankruptcy processes while maintaining transparency and client-focused service.Our team provides flexible consultation options, including remote document handling, to ensure accessibility during challenging times. We are committed to fostering long-term client relationships and community trust through ethical practices and tailored legal solutions.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Debt Collection Solutions
Credit Rebuilding Program
Details
- Year established: 2001
Highlights and features
- We offer over 15 years of specialized bankruptcy experience.
- Our team provides individualized attention to every case.
- We guarantee personalized guidance through complex legal processes.
- We offer flexible consultation options, including remote services.
- We include a free credit rebuilding program with every bankruptcy filing.
Associations and certifications
- American Bankruptcy Institute
- Consumer Bankruptcy Association
What people say
Friendly and helpful staff
Professional and responsive
Excellent case handling
Smooth hearing process
Highly recommend
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation, providing a fresh start. Our attorneys guide clients through eligibility, asset exemptions, and discharge processes. We ensure compliance with federal requirements while protecting client interests.
Chapter 13 Bankruptcy
Chapter 13 restructures debt into manageable payments over 3-5 years. We help clients retain assets like homes and cars while negotiating repayment plans. Our team ensures court-approved solutions tailored to financial circumstances.
Foreclosure Defense
We stop home foreclosures through bankruptcy filings and legal strategies. Our approach includes negotiating with lenders and utilizing automatic stays to protect client properties during financial crises.
Debt Collection Solutions
Our firm halts wage garnishments and creditor harassment via bankruptcy protections. We provide legal representation to discharge unmanageable debts and establish fair repayment terms when applicable.
Credit Rebuilding Program
Post-bankruptcy credit rebuilding is offered free to clients. This program educates on responsible credit use and leverages secured credit tools to restore financial standing within 1-2 years.
People
Marguerite Hammerschmidt
Founder
Marguerite Hammerschmidt founded HS&A, P.C. in 2001 after graduating from Wayne State University Law School. With 25+ years of legal experience, she specializes in consumer bankruptcy and community advocacy.
Timothy P. Stickradt
Founder
Timothy Stickradt co-founded HS&A, P.C. in 1998. A Wayne State University Law School graduate, he focuses on bankruptcy litigation and has represented clients in Michigan for over 25 years.
Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates debt through asset liquidation, while Chapter 13 restructures payments over 3-5 years.
Can bankruptcy stop foreclosure?
Yes, filing bankruptcy triggers an automatic stay that immediately halts foreclosure proceedings.
Will I lose all my assets in Chapter 7?
No, Michigan exemptions protect essential assets like homes, cars, and personal property up to specific values.
How does bankruptcy affect credit scores?
While initially impacting credit, many clients rebuild scores to 650+ within 1-2 years through our free credit program.
Can student loans be discharged in bankruptcy?
Rarely, unless proven as undue hardship. We help explore alternative debt management strategies for student loans.
Do I qualify for Chapter 7 bankruptcy?
Qualification requires passing a means test comparing income to Michigan's median. Our attorneys evaluate eligibility during consultations.
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