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.
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Our Bankruptcy Attorneys
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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.
Marguerite Hammerschmidt
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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.
Bankruptcy
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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.
Chapter 7 Bankruptcy
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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.
Chapter 13 Bankruptcy
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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.
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