Ralph Reisinger

Reisinger Law Firm specializes in the representation of Debtors in Bankruptcy. We have successfully represented over 1,500 debtors . We offer competitive rates and include more services than any other Law Firm. We answer outstanding lawsuits to protect you from garnishments at no additional charge, we work on getting garnished funds back at no additional charge, we include one reaffirmation agreement at no additional charge, we pay for your credit counseling, debtors education course and credit report. The additional services and products we provide for free will cost you hundreds of dollars at other firms.

University of Toledo College of Law

J.D. (1983) | Law

1980 - 1983

Honors: Cum Laude

Activities: President International Law Society

Grand Valley State University

B.A. (1980) | Political Science, German

1976 - 1980

Honors: Cum Laude

Michigan

Since 1983

• Free Consultation
  Our free consultation is not limited. We take the time needed to discuss your problems and consider solutions. If you have questions after the consultation we will answer them at no additional charge.
• Credit Cards Accepted
• Rates, Retainers and Additional Information
  995 Attorney fee for Chapter 7's single or married. We include credit counseling, debtor education and credit reports in our fee.

Q. Is surviving spouse responsible for deceased spouse's sole credit card debts?

February 28, 2025

A: As a general rule in Michigan a spouse is not responsible for the sole debt of a deceased spouse. If the home was held in the entireties - as husband and wife, a creditor of the deceased spouse could not attach a lien to the home. Whether a creditor could make a claim against the probate estate, assuming there is one beyond the home, is a question I cannot answer.

Q. My husband has just started getting his wages garnished. Do we have any options

January 8, 2025

A: You have two options. You can file a motion for time payments with the Court, this may allow you to lower the amount you pay on a monthly basis and it will stop the garnishment. Or you can file a Bankruptcy. If you qualify for a Chapter 7, it should not cost you thousands of dollars. You should contact an attorney that provides free consultations to see what your options are and what they would cost.

Q. Will I be reimbursed for personal loans before Medicaid is reimbursed for my parent's house?

October 3, 2023

A: I suggest a Ladybird deed which would transfer the house to you on Death and there would be no Medicare recovery