Business Details
50 Years
experience
Saginaw Bankruptcy Lawyers
At Reinert & Reinert, debt relief is our sole focus. We specialize in providing tailored solutions for individuals and families overwhelmed by financial stress. With over four decades of combined experience, our attorneys offer free consultations to thoroughly explain bankruptcy options in plain language. We prioritize client comfort through personalized service, secure electronic document processing, and flexible payment plans, including $0 down options for Chapter 13 cases. Our team serves Michigan residents across 40+ communities, combining deep local knowledge with a commitment to community improvement through board memberships and pro bono work. 
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Wage Garnishment Relief
Foreclosure Defense
Debt Restructuring
Details
- Year established: 1976
Highlights and features
- We offer free consultations with no obligation
- Our process accommodates client needs through Zoom/in-person options
- We implement secure electronic document processing systems
- We provide $0 down payment plans for Chapter 13 cases
- Our attorneys maintain active community involvement
What people say
Fresh start achieved
Professional throughout process
Immediate response received
Caring team members
Detailed explanations provided
Services
Chapter 7 Bankruptcy
Chapter 7 eliminates unsecured debts through asset liquidation. This process stops creditor harassment immediately upon filing. Most clients complete the process within 4-6 months without losing protected assets. Our attorneys help determine eligibility through income assessments and exemption planning.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year repayment plans for debtors with regular income. This option protects non-exempt assets while restructuring payments. We help clients create feasible plans that satisfy creditors and comply with bankruptcy code requirements.
Wage Garnishment Relief
Bankruptcy filings immediately halt wage garnishments through automatic stay orders. We help clients recover garnished funds and eliminate underlying debts. Our process includes court documentation to ensure compliance with federal and state protection laws.
Foreclosure Defense
Chapter 13 plans allow debtors to catch up on mortgage arrears over time. We develop strategies to modify loans and negotiate with lenders. Our experience includes handling complex cases involving second mortgages and tax liens.
Creditor Harassment Protection
Automatic stay orders stop collection calls, lawsuits, and repossession attempts. We provide legal documentation to cease harassment and address violations through formal complaints when necessary.
People
Joshua M. Reinert
Bankruptcy Attorney
Since 2003, Joshua has helped thousands through bankruptcy proceedings. He graduated from Michigan State University with a Juris Doctorate and maintains active community involvement through local boards and pro bono work.
Michael C. Reinert
Retired Shareholder
With 40+ years of bankruptcy experience, Michael represented thousands of clients and shaped the firm's foundation. He graduated from Thomas M. Cooley Law School and maintains a legacy of professional excellence.
Questions
How does bankruptcy stop creditor calls?
Filing initiates an automatic stay order that legally requires creditors to cease all collection activities immediately.
Can I keep my car during bankruptcy?
Chapter 7 exemptions protect most vehicles. Chapter 13 allows payment restructuring while maintaining ownership.
What debts aren't dischargeable?
Child support, most student loans, and recent tax debts typically remain after bankruptcy proceedings conclude.
How long does bankruptcy stay on credit reports?
Chapter 7 remains 10 years, Chapter 13 remains 7 years from filing dates according to federal guidelines.
Can I buy a house post-bankruptcy?
Many clients qualify for mortgages 2-4 years after discharge with responsible financial management.
Do I need credit counseling?
Federal law requires pre-filing counseling and post-filing financial management courses completed through approved providers.
