Ralph Reisinger

Reisinger Law Firm specializes in the representation of Debtors in Bankruptcy. We have successfully represented over 2,000 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.

• 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.

Michigan

Since 1983

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

Q. I'm unemployed with significant debt; can I qualify for free legal aid for Chapter 7 bankruptcy?

August 12, 2025

A: Legal Aid decides who they will take on as clients. Generally speaking if you are not at risk of garnishments or loss of property they don't accept you, but its ultimately up to the office that serves your area. Additionally, the Bankruptcy Judges are not keen on persons with less than $10,000 debt, filing. Our office is in Grand Rapids, so I don't know how the legal aid office in the Pontiac would look at your situation. The only way to find out is to contact them.

Q. Can I refile for bankruptcy after dismissal due to employer's court date restrictions?

August 11, 2025

A: Yes you can refile. Since all of the hearings are via zoom, you should be able to attend the hearing on a break, or take a vacation day if needed.

It sounds like you filed on your own. You may want to hire an attorney for the refile, especially given the garnishment. An attorney should be able to get back up to 90 days worth of garnished money, taken before the day of filing.

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.