What are the opening hours?

Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm Saturday 9am - 1pm

Hammerschmidt Stickradt & Assoc. PC

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United States
Troy, MI
Hammerschmidt Stickradt & Assoc. PC

We are a financial crisis services firm that specializes in helping people with options to erase debt, restore credit, and get a fresh start.

03/12/2026

Helpful Fact: Did you know that medical bills are one of the most common reasons for filing bankruptcy in Michigan? Because medical debt is usually "unsecured," it can often be completely wiped out in a Chapter 7 or Chapter 13 filing, allowing you to focus on your health instead of your balance.

Hammerschmidt Stickradt & Assoc. PC can help you navigate the path to medical debt relief.
Schedule a consultation to discuss your fresh start.

03/07/2026

Peace of Mind: Are you tired of jumping every time the phone rings? Once you file for bankruptcy, the court issues an "Automatic Stay." This legally requires creditors to stop all collection calls, letters, and emails immediately. You don't have to face the harassment alone.

Reclaim your peace of mind with the help of Hammerschmidt Stickradt & Assoc. PC.
Call us today to make the collection calls stop.

02/28/2026

You need your car to get to work and take care of your family. Michigan bankruptcy exemptions allow most filers to keep their vehicles. If you’re behind on payments, Chapter 13 can even help you wrap those arrears into a manageable plan to prevent repossession.

Keep your keys and your commute with Hammerschmidt Stickradt & Assoc. PC. Contact us to learn about vehicle exemptions.

02/25/2026

Not sure which filing is right for you? Generally, Chapter 7 is a faster "liquidation" process that wipes out unsecured debt, while Chapter 13 is a "reorganization" plan that helps you catch up on missed mortgage or car payments over 3 to 5 years. We help you evaluate which path fits your specific goals.

Find the right solution for your family at Hammerschmidt Stickradt & Assoc. PC. Let’s discuss which bankruptcy chapter fits your needs.

02/22/2026

If a creditor is currently taking a portion of your paycheck, filing for bankruptcy can stop that garnishment immediately. In some cases, we may even be able to help you recover wages that were garnished shortly before your filing. Your hard-earned money should stay in your pocket.

Regain control of your income with help from Hammerschmidt Stickradt & Assoc. PC. Call us to stop your wage garnishment today.

02/19/2026

Medical emergencies are unpredictable and can lead to overwhelming debt through no fault of your own. Under federal law, medical bills are typically considered "unsecured debt," which means they can often be completely discharged in bankruptcy, giving you a true fresh start.

Prioritize your health and your future with Hammerschmidt Stickradt & Assoc. PC. Schedule a consultation to discuss discharging your medical bills.

02/17/2026

Many of our clients worry that filing for bankruptcy means losing their house. In Michigan, we use specific exemptions that often allow you to keep your primary residence. Whether you choose Chapter 7 or Chapter 13, there are paths available to protect the roof over your family's head.

Secure your home’s future with the guidance of Hammerschmidt Stickradt & Assoc. PC. Contact us today to learn how to protect your home.

02/11/2026

The moment you file for bankruptcy, a legal shield called the "Automatic Stay" goes into effect. This court order legally requires creditors to stop all collection activities immediately—including phone calls, letters, and even lawsuits. It’s designed to give you the breathing room you need to organize your finances.

Let Hammerschmidt Stickradt & Assoc. PC help you put that shield in place. Call us to start your path toward peace and quiet.

01/25/2026

Not all tax debt is permanent. Depending on the age and type of the debt, some older income taxes may be dischargeable in bankruptcy. If they aren't, a Chapter 13 plan can often stop the interest and penalties from growing while you pay them back.

Navigate your IRS or state tax challenges with Hammerschmidt Stickradt & Assoc. PC. Ask us if your tax debt qualifies for relief.

01/17/2026

When dealing with the federal bankruptcy court, experience counts. Our founders, Marguerite Hammerschmidt and Timothy Stickradt, have been helping Southeast Michigan residents navigate the complexities of debt relief since the late 90s and early 2000s.

Put nearly 30 years of legal experience to work for you at Hammerschmidt Stickradt & Assoc. PC. Reach out to a team that understands the local courts.

01/14/2026

If you are facing a utility shut-off due to unpaid bills, filing for bankruptcy can provide immediate relief. The "Automatic Stay" often requires utility companies to restore or maintain service, giving your family the stability you need to move forward.

Hammerschmidt Stickradt & Assoc. PC is here to help you maintain your household's peace of mind. Talk to us today about restoring your essential services.

Address

70 W. LONG LAKE Road SUITE #116
Troy, MI
48098

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm
Saturday	9am - 1pm

Telephone

(248) 988-8335

Website

https://hsapclaw.com/

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