The attorneys of HS&A, P.C. have been practicing Consumer Bankruptcy Law and Debt Management exclusively for over 15 years. Marguerite Hammerschmidt and Timothy Stickradt, the founders of HS&A, P.C., have designed and implemented a case outline to help individuals and families navigate the Federal Court Bankruptcy System. The Result is that they have helped thousands of Michigan families and individuals secure positive results and improve their financial standing.