Steven L. Rayman

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.