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. If your utilities have been cut off as a consequence of outstanding bills, filing bankruptcy also helps restore the essential services that your Michigan family needs.
Stop worrying about finances and start your journey to a fresh start! Call our Royal Oak MI bankruptcy lawyers in Michigan today! Aside from sparing your family from the stress of facing creditor calls or harassment, filing Chapter 7 or 13 bankruptcy also helps you keep the home you have worked hard to give your loved ones.
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. If your utilities have been cut off as a consequence of outstanding bills, filing bankruptcy also helps restore the essential services that your Michigan family needs.
Stop worrying about finances and start your journey to a fresh start! Call our Royal Oak MI bankruptcy lawyers in Michigan today! Aside from sparing your family from the stress of facing creditor calls or harassment, filing Chapter 7 or 13 bankruptcy also helps you keep the home you have worked hard to give your loved ones.
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.
Our bankruptcy lawyers serve clients in Royal Oak, Wyandotte, and throughout Michigan.
Marguerite and Timothy devoted the last 15 years to developing and implementing an outline for clients to resolve their bankruptcy issues burdens, eliminate the burdens of debt, and reduce the stress of going through the Michigan bankruptcy process.
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.
Our bankruptcy lawyers serve clients in Royal Oak, Wyandotte, and throughout Michigan.
Marguerite and Timothy devoted the last 15 years to developing and implementing an outline for clients to resolve their bankruptcy issues burdens, eliminate the burdens of debt, and reduce the stress of going through the Michigan bankruptcy process.
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.
At E. Orum Young, we understand that bankruptcy is a tough decision to make, and that it is not for everyone.
However, we have experienced first-hand the many ways bankruptcy has helped individuals climb out from a deep pit of debt.
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.
At E. Orum Young, we understand that bankruptcy is a tough decision to make, and that it is not for everyone.
However, we have experienced first-hand the many ways bankruptcy has helped individuals climb out from a deep pit of debt.
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.
Under Federal law, bankruptcy is both a legal process and a right granted to every individual.
It provides individuals a means to get financial freedom when they become unable to pay their debts or bills.
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.
Under Federal law, bankruptcy is both a legal process and a right granted to every individual.
It provides individuals a means to get financial freedom when they become unable to pay their debts or bills.
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 about my credit?
In most cases your credit will rebound quickly.
Most people find their credit scores improving 30 to 100 points in the first year following a bankruptcy discharge.
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 about my credit?
In most cases your credit will rebound quickly.
Most people find their credit scores improving 30 to 100 points in the first year following a bankruptcy discharge.
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.
My house is in foreclosure, can I save it?
With a Chapter 13 Bankruptcy you can stop your mortgage company from foreclosing as long as you file before the sheriff's sale date.
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.
My house is in foreclosure, can I save it?
With a Chapter 13 Bankruptcy you can stop your mortgage company from foreclosing as long as you file before the sheriff's sale date.
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