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.

Bankruptcy

Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

Elder Law

Appeals & Appellate

Civil Appeals, Federal Appeals

Q. how soon can I file chapter 7, If I file a chapter 7 in January of 2016?

September 13, 2022

A: You can refile 8 years after the most recent Chapter 7 filing. You can file a Chapter 13 and 4 years after your most recent Chapter 7 filing. Depending on your circumstances you may want to file the Chapter 13 to stop garnishments etc.

Q. What happens if you don’t turn in your tax return and/or refund on a chapter 13 bankruptcy?

December 8, 2021

A: It depends on what Trustee you have and what you did with them money. In a Chapter 13 you are supposed to turn over all of your "Disposable Income" to the Trustee. However, if you have unexpected expenses, like car repairs, or a need to replace appliances, or periods of unemployment, that are not covered in your plan, most Trustee's will allow you to request that the funds can be used for these one-time expenses. I would suggest you contact your Attorney to see that the practice is where your case was filed, and perhaps you can request to keep the money. In the alternative you may have to amend your plan to pay in the amount you kept, over time.

Q. What is the approximate cost to file bankruptcy?

December 10, 2019

A: Based on the information you provided you would most likely file a Chapter 7 Bankruptcy. Assuming your last Bankruptcy was a Chapter 7 you would qualify for another Chapter 7 since its been over 8 years. One thing you need to consider is any possible inheritance. If you inherit within 6 months of filing a Chapter 7 that inheritance may become part of your Bankruptcy. As it relates to costs - the Court filing fee for a Chapter 7 is 335 - you also need to complete a credit counseling and debtor education course. The attorneys fees charged for Chapter 7 depends on where you file and local practice. Many attorneys charge a flat fee - plus the costs of the courses & you pay the filing fee. The average is between 899 and 1199 for a Chapter 7. Some offices charge less for low income clients. We have a 2 tier fee, for people below the Poverty Level we charge $795 the standard fee is $995 both include the required courses but not the court filing fee. Hope that helps.

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