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Practice areas


  1. Estate Planning: 50%
    31 years, 4 thousand cases
  2. Elder Law: 40%
  3. Probate: 10%
    31 years



Fixed (sometimes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

1 total 

Are you an attorney? Endorse this lawyer

  • Daniel Francis Zigray

    I endorse this lawyer. I have worked with Debbie on a probate litigation matter and consulted with her on additional cases. I have found her to be extremely knowledgeable and creative in her work.


    Daniel Zigray Probate Attorney
    Relationship: Worked together on matter

Contact info

Bayer, Papay & Steiner Co., LPA

1925 Indian Wood Circle
Suite A
Maumee, OH, 43537


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Referral of the YearBNI--Northwest Ohio2009
Outstanding Alumni AwardDavis College2001
1992 Alumni AwardOhio Council of Private Colleges & Schools1992
Work experience
TitleCompany nameDuration
Attorney accredited to represent applicantsVeterans Administration2011 - Present
Attorney, Co-OwnerBayer, Papay & Steiner Co., LPA1998 - Present
AttorneyLaw Office of Debbie J. Papay1989 - 1998
AttorneyCity of Toledo Law Department1988 - 1992
Attorney (Associate)Robison, Curphey & O'Connell, LLC1985 - 1988
Legal Secretary / Paralegal prior to law schoolLaw Firms & City of Toledo Law Department1974 - 1982
Association namePosition nameDuration
American Legion AuxiliaryMember2015 - Present
Elder CounselMember2015 - Present
Wealth CounselMember2013 - Present
Veterans Advocates Group of AmericaMember2012 - Present
NAELA, National Academy of Elder Law AttorneysMember2010 - Present
Northwest Ohio Gerontological AssociationMember2008 - Present
Lawyers With Purpose and predecessor MPS, Medicaid Practice SystemsMember2003 - Present
Ohio State Bar AssociationMember1985 - Present
Toledo Bar AssociationMember1985 - Present
National Network of Estate Planning AttorneysMember1998 - 2013
Publication nameTitleDate
First Local ToledoVeterans Administration Invites Public Comment on Proposal to Limit Benefits for Elderly2015
Olive Grove Press, LLCBOOK: Paying for Long Term Care, Financial Help for Wartime Veterans: The VA Aid & Attendance Benefit2014
First Local Toledo"Oh, you don't need a trust!"2014
Mature LivingMajor "Change" Announced in Medicare Coverage For Long Term Care2014
First Local ToledoNew Burial Payment Procedure for Veterans' Families2014
First Local ToledoObservation Stays in the Hospital: The Impact on Medicare Beneficiaries2014
First Local ToledoLower Your Real Estate Taxes AND Your Water Bill!2014
First Local ToledoOur Seniors Just Dodged a Legislative Bullet2014
First Local ToledoOhio Tax Issues for Married Couples: Adjult Children, Wake Up!2014
Olive Grove Press, LLCBOOK: Lasting Love, How It's Found: True Tales as Told to Debbie J. Papay, Attorney2013
First Local ToledoA Letter to Santa, from an Adult Child, and his Response2013
First Local ToledoLessons from the Last Will of Harry Potter's Mentor2013
First Local ToledoLessons from George Washington's Last Will2013
First Local ToledoMistaken Identity: Wills vs. Living Wills vs. Living Trusts2013
First Local ToledoReasons NOT to deed your house over to your children!2013
First Local ToledoIs an Equal Share Always Fair?2013
First Local ToledoAttention Grandparents and Parents: High School Graduate Alert!2013
First Local ToledoFinancial Help for Assisted Living or Long Term Care2013
First Local ToledoEstate Planning Woes on Gilligan's Island2013
Olive Grove PressBOOK: Blooper Episodes in Estate Planning and Elder Law: Lessons From Prime Time TV2012
Mature LivingHomeowners Alert: The Certified Deed Scam is Making the Rounds Again!2011
Mature LivingVeterans Pension: Long Term Care Costs an Overlooked Part of Estate Planning2011
Mature LivingTrick and Tips of the Wealthy Can Benefit Middle Class Ohioans2011
Maumee MirrorARTICLE: Accredited Attorneys Can Help Veterans, Families Obtain Benefits They've Earned2011
Maumee MirrorThe $20,000 Mistake for Middle Class Families2006
Toledo REALTORLucas County Tax Prorations2005
Quantum Press (Contributor)BOOK: Love Money Control, Reinventing Estate Planning2004
Quantum Press (Contributor)BOOK: Strictly Business, Planning Strategies for Privately Owned Businesses2002
University of Toledo Law ReviewLAW REVIEW ARTICLE: Plagiarism in Legal Scholarship1984
School nameMajorDegreeGraduated
Mercy CollegeGerontologyGerontology Certificate2005
University of Toledo College of LawLawJD - Juris Doctor1985
Siena Heights UniversityBusinessBBA - Bachelor of Business Administration, Summa Cum Laude1982
Davis CollegeLegal SecretarialAssociate Degree, Summa Cum Laude1974
Speaking engagements
Conference nameTitleDate
Monthly Meeting, Society of Fin.Serv.Prof.VA Benefit for Long Term Care2016
Public SeminarDon't Go Broke in the Nursing Home2015
Adult Contin. Ed Classes, Two Semesters, Owens CollegeEstate & Disability Planning2015
Monthly Meeting, Toledo Post 335Blooper Episodes in Estate Planning2013
Monthly Meeting, Sylvania RotaryBlooper Episodes in Estate Planning2013
Monthly Meeting, BoomersBlooper Episodes in Estate Planning2013
Continuing Legal Education for Attorneys, Toledo Bar Assoc.VA Benefit for Long Term Care2010
Annual Conference, Parish Nurse Assoc.VA Benefit for Long Term Care2009
Monthly meeting, NWO Funeral Directors AssocReview of estate planning laws affecting funeral directors2008
Lunch and Learn, The GlendaleEstate Planning2007
Davis College CommencementCommencement Address2007