Reisinger Law Firm, Michigan’s premier bankruptcy and consumer debt negotiation lawyers
Let Reisinger Law take the burden of debt off your back.
Reisinger Law’s highly qualified attorneys are skilled, compassionate and dedicated to providing you with an optimal outcome. We understand that quite often the situations that bring clients to us are out of their control, it is our mission to help them get their lives back and take away the worry of catastrophic debt. Over one thousand clients have trusted us with their bankruptcy and consumer debt negotiations, you can too.
Contact Reisinger Law Firm for a free consultation
rreisinger@reisingerlaw.com
or bkreisinger@reisingerlaw.com
616.323.3164
Grand Rapids
4131 Embassy Drive
Grand Rapids, MI 49546
Services | Consumer/Personal Debt
-
Chapter 7
Called a “Fresh Start”, a Chapter 7 Bankruptcy eliminates most unsecured debt without the need to repay any of your creditors. While officially called a “Liquidation Bankruptcy”, most individuals are able to fully protect their assets (cars, home, furniture, bank accounts, tax refunds, retirement accounts, etc) through Federal or State “exemptions”. Our Flat Chapter 7 fee is $995 includes the attorney fee’s, credit report authorization fees and Federally Required pre and post filing credit counseling courses. It takes just $200 to start any Chapter 7 Bankruptcy, with the remaining $795 balance to be paid through a payment plan of your choosing.
-
Chapter 13
Chapter 13 allows you to keep your property while making payments over time. Only available to individuals or sole proprietors with regular income, Chapter 13 Bankruptcy is a tool to re-organize and catch up on your secured debt, while making payments to your unsecured creditors, such as credit card companies, on pro rata basis. At the end of the Chapter 13 payment period, all remaining, dischargeable unsecured debts, will be eliminated. Most of our Chapter 13 clients fall into three categories:
1. Persons at risk of losing their homes due to mortgage arrearages.
2. Persons with too much equity in their homes who do not want to risk losing their homes.
3. Persons who do not qualify for Chapter 7 Bankruptcy either because of high income, or a prior Chapter 7 filing within 8 years.
-
Debt Negotiation/Settlement
If you do not wish to file bankruptcy, or there is/are only one or two creditors giving you trouble, debt settlement/negotiation may be the best option for you. With debt negotiation/settlement, we negotiate with creditors to attempt to lower the total amount you will have to pay, and work out a reasonable payment schedule based on parameters set by you.
Business Debt
Along with personal Bankruptcy and Debt Negotiation/Settlement, our office can also help business debtors through Chapter 7 Business Bankruptcy, Small Business Chapter 11 Subchapter V Bankruptcy, and non-bankruptcy alternatives called “Workouts”. Please contact our office at 616.323.3164 for more information about our business services.
Reisinger Law’s compassionate legal team helps with kindness and respect
How Reisinger Law can help
The decision to file for bankruptcy does not come easy for most people, so it is important that your attorney does not add to the stress of filing. We offer first class legal services at reasonable all inclusive fees. We treat our clients as we would want to be treated, with respect and compassion. We will meet with you to discuss your financial situation at no charge at one of our four West Michigan locations. There is no time limit on your free consultation, and we will consider all options including: debt defense, debt negotiation, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, and in some cases, taking no action, before we make a recommendation.
Collection lawsuits, repossessions and foreclosures
You won’t be able to afford the help you need if your wages are being garnished. We can assist you with any pending collection suits. We respond to hundreds of suits a year, to make sure our clients can complete the bankruptcy process without the threat of garnishment. We can stop a sheriff’s sale and foreclosure and take the steps necessary to keep you in your home. If you have been garnished within the past three months, we will work, at no charge, on getting back some or all of your garnished funds. Has your car been repossessed? We have recovered dozens of vehicles for our clients.
Let Reisinger Law take the burden of debt off your back
Reisinger Law’s highly qualified attorneys are skilled, compassionate and dedicated to providing you with an optimal outcome. We understand that quite often the situations that bring clients to us are out of their control, it is our mission to help them get their lives back and take away the worry of catastrophic debt.
“We will provide the best service money can buy, at a fair and affordable rate.”
– Ralph Reisinger
Reisinger Law Firm is a Debt Relief Agency under the Bankruptcy Code. Our main job is to help people file for bankruptcy in the Grand Rapids, Michigan area. Nothing on this site is legal advice. We are not your lawyers unless we both agree in writing that we are your lawyers.