Every year millions of Americans find themselves in financial difficulties. Job losses, health issues, divorce, student loan debt, accidents, even unexpected car or household expenses can send people living paycheck to paycheck down a path of overwhelming debt. Ironically, once you miss debt payments your interest rates go up, almost guaranteeing you will be unable to make the next payment. Bad credit results in higher insurance payments, more expensive credit and may even prevent you from getting a better paying job. While your current financial situation may seem overwhelming, help is just a phone call or email away

ralphHi, My name is Ralph Reisinger and I have more than 30 years of legal experience, first as an attorney working for the Federal Court in Grand Rapids, then as an associate for one of Michigan’s largest Law Firms before becoming a Partner at a mid-size law firm. Since starting his own practice in 2005 Ralph has helped hundreds of people get a fresh start through personal bankruptcy, defended them from overzealous debt collectors, negotiated debt settlements and assisted in managing or discharging their student loans.
I (Ralph Reisinger) am a debt relief agent according to the U.S. Bankruptcy Code. My main job is to help people file for bankruptcy in the Grand Rapids, Michigan area. Nothing on this site is legal advice. I am not your lawyer unless we both agree in writing that I’m your lawyer.