Steve Rayman

Bankruptcy, Reorganization and Debt Consolidation

Steve Rayman

Steve Rayman has been a Michigan attorney since 1979 and has spent 40 years in the field of bankruptcy, reorganization, and debt consolidation. Steve spent the first several years of his legal career representing secured creditors, mortgage holders, and other lenders in bankruptcy and reorganization matters. In 1988, Steve decided to start his own firm in order to focus on the representation of debtors in bankruptcy and reorganization. Over the past four decades, Steve has become one of Michigan’s leading specialists in bankruptcy and reorganization.

Unlike most bankruptcy attorneys, who tend to specialize in either consumer or commercial practice, Steve has extensive experience in both. He is the only attorney in Western Michigan to be certified by the American Board of Certification in both consumer and business bankruptcy. Steve has personally represented over 2,000 people in their individual debt consolidation matters. He has filed Chapter 11 bankruptcies more than any attorney in Western Michigan. One year, he alone filed one-third of all Chapter 12 (agricultural reorganization) cases in the United States Bankruptcy Court for the Western District of Michigan.

In addition to representing individual consumers and businesses in bankruptcy, Steve regularly represents bankruptcy trustees and is sought after for representation in large or complex cases. Steve has represented trustees in numerous cases with multiple millions of dollars in claims, and in at least one case in which claims exceeded one billion dollars.

Steve is frequently called upon to lecture on bankruptcy and reorganization matters. While most of these speaking engagements are for other Michigan attorneys, Steve has recently spoken about individual reorganizations in Washington, D.C., and about bankruptcy trustee matters in Palm Springs, California.

During his long career, Steve has come to appreciate the pressures that debt places on both individuals and businesses. Even after decades in practice, Steve appreciates the unique concerns of each client and case and treats each one with the respect and attention it deserves.

Education

The University of Toledo College of Law, Juris Doctor, 1979

Albion College, Bachelor of Arts, Albion, Michigan, 1972-76

Admissions

State Bar of Michigan

United States District Court for the Western District of Michigan

United States District Court for the Eastern District of Michigan

United States Court of Appeals for the Sixth Circuit

Memberships

State Bar of Michigan

Kalamazoo County Bar Association

Federal Bar Association for the Western District of Michigan

Speaking Engagements

“Small Businesses Chapter 7 or Chapter 13?”, Debtors Bar of West Michigan 10th Annual Conference, Grand Rapids, Michigan – 2020

“If you Were the Judge, What Would you Decide?” (Volume VI), Federal Bar Association Annual Bankruptcy Seminar, Crystal Mountain, Michigan – 2019

“If you Were the Judge, What Would you Decide?” (Volume V), Federal Bar Association Annual Bankruptcy Seminar, Traverse City, Michigan – 2018

“If you Were the Judge, What Would you Decide?” (Volume IV), Federal Bar Association Annual Bankruptcy Seminar, Harbor Springs, Michigan – 2017

“If you Were the Judge, What Would you Decide?” (Volume III), Federal Bar Association Annual Bankruptcy Seminar, Mackinac Island, Michigan – 2016

“If you Were the Judge, What Would you Decide?” (Volume II), Federal Bar Association Annual Bankruptcy Seminar, Traverse City, Michigan – 2015

“If you Were the Judge, What Would you Decide?” (Volume I), Federal Bar Association Annual Bankruptcy Seminar, Harbor Springs, Michigan – 2014

“Bankruptcy Boot Camp”, Federal Bar Association Annual Bankruptcy Seminar, Grand Rapids, Michigan – 2013

“Representing Clients in Chapter 7 Proceedings – What the Hell Do I Do Now?”, Institute of Continuing Legal Education, Plymouth, Michigan – 2011

“Protection of Retirement and Business Assets in Consumers Cases: Interests in Trust, Inherited Assets, Annuities, LLC and Corporate Issues” , American Bankruptcy Institute, LaQuinta, California – 2009

“Practical Strategies to Maximize the Debtor Ability to Get a Discharge in Chapter 13”, American Bankruptcy Institute, Washington, DC – 2009

“Means Testing and Payment of Secured Debts on “Luxury” Items – In Re Carleton and the Tirade Over the Excalade”, American Bankruptcy Institute, Acme, Michigan – 2007

“Creditors’ Rights 2006”, Institute of Continuing Legal Education, Kalamazoo, Michigan – 2006

“Collection Techniques and Law”, Lorman Education Services, Grand Rapids, Michigan – 2006

“Bankruptcy Issues – What You Don’t Know Can Hurt You”, Real Property Law Section, State Bar of Michigan, Kalamazoo, Michigan – 2005

“Aligning Your Practice with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005”, NBI, Inc., Grand Rapids, Michigan – 2005

“Collection Techniques and Law”, Lorman Education Services, Kalamazoo, Michigan – 2005

“Fundamentals of Bankruptcy Law and Procedure in Michigan”, NBI, Inc., Grand Rapids, Michigan – 2004

Publications

Standing to Pursue Avoidance Actions in Chapter 13: ‘Who’s on First? Trustee’s On Second?,’ NACTT Quarterly, Autumn 14, No. 1, 2001.

§506(c) – Manna from Heaven, Federal Bar Association, Western Michigan Chapter, Bankruptcy Law Newsletter, November, 2, No. 3, 1989.

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