Steve Rayman, the principal partner of Rayman & Knight, has been a Michigan attorney since 1979, and has spent over thirty 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 representation of debtors in bankruptcy and reorganization. Over the past three 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 more Chapter 11 bankruptcies 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.Practice AreasBankruptcy, insolvency, and reorganization, including:Representing individual and commercial debtors in Chapter 7, Chapter 13, Chapter 11 and Chapter 12 bankruptciesRepresenting former business owners in out-of-court work-out mattersNegotiating with credit card companies and other creditors outside on behalf of consumer debtors who are not in bankruptcyRepresenting bankruptcy trustees in the Western District of Michigan, including large and complex casesRepresenting creditors and other interested parties in bankruptcy, reorganization and insolvency, in both consumer and commercial cases.Representing creditors’ committees in reorganization mattersActing as expert witness in legal malpractice matters relating to bankruptcy, reorganization and creditors’ rights. EducationThe University of Toledo College of Law, Toledo, Ohio, J.D., 1979B.A., Albion College, Albion, Michigan, 1972-76Admissions to PracticeState Bar of MichiganUnited States District Court for the Western District of MichiganUnited States District Court for the Eastern District of MichiganUnited States Court of Appeals for the Sixth Circuit:Memberships and AssociationsState Bar of MichiganKalamazoo County Bar AssociationFederal Bar Association for the Western District of MichiganCommunity Involvement Member, Southwest Michigan Land ConservancyMember, West Michigan Turnaround Management Association Featured Speaking Engagements and PublicationsFederal Bar Association Bankruptcy Steering Committee, “If you Were the Judge, What Would you Decide?" Thompsonville, Michigan - 2015Federal Bar Association Bankruptcy Steering Committee, “If you Were the Judge, What Would you Decide?" Harbor Springs, Michigan - 2014Federal Bar Association Bankruptcy Steering Committee, “Bankruptcy Boot Camp”, Grand Rapids, Michigan - 2013Institute of Continuing Legal Education, “Representing Clients in Chapter 7 Proceedings – What the Hell Do I Do Now?”, Plymouth, Michigan – 2011 American Bankruptcy Institute, “Protection of Retirement and Business Assets in Consumers Cases: Interests in Trust, Inherited Assets, Annuities, LLC and Corporate Issues, LaQuinta, California – 2009American Bankruptcy Institute, “Practical Strategies to Maximize the Debtor Ability to Get a Discharge in Chapter 13”, Washington, DC – 2009 American Bankruptcy Institute, “Means Testing and Payment of Secured Debts on “Luxury” Items – In Re Carleton and the Tirade Over the Excalade”, Acme, Michigan – 2007Institute of Continuing Legal Education, “Creditors’ Rights 2006”, Kalamazoo, Michigan – 2006Lorman Education Services, “Collection Techniques and Law”, Grand Rapids, Michigan – 2006Real Property Law Section, State Bar of Michigan, “Bankruptcy Issues – What You Don’t Know Can Hurt You”, Kalamazoo, Michigan – 2005NBI, Inc., “Aligning Your Practice with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005”, Grand Rapids, Michigan – 2005Lorman Education Services, “Collection Techniques and Law”, Kalamazoo, Michigan – 2005NBI, Inc., “Fundamentals of Bankruptcy Law and Procedure in Michigan”, Grand Rapids, Michigan – 2004Rayman, Steven L. “Standing to Pursue Avoidance Actions in Chapter 13: ‘Who’s on First? Trustee’s On Second?,’” NACTT Quarterly, Autumn 14, No. 1, 2001.Rayman, Steven L. “ §506(c) - Manna from Heaven,” Federal Bar Association, Western Michigan Chapter, Bankruptcy Law Newsletter, November, 2, No. 3, 1989.
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