Ray Schultz
“Aggressive and efficient representation are the keys to my clients’ success”
Ray has handled thousands of collection matters for companies, banks and credit unions over the course of his nearly 30-year career. He has heard every excuse imaginable, yet has been able to succeed where other attorneys have failed. Clients want an attorney who is responsive to their needs, punctual, professional and, most importantly, aggressive when the situation calls for it. “Leaving no stone unturned” is key to a successful collections practice. Supported by a professional team utilizing the latest asset search software provides us with the best possible opportunity to be successful for our clients. As the old saying goes, ”getting the judgment is easy, collecting the judgment is the hard part.” Simply put, Ray and his collections team put their clients in the best possible position to succeed.
Ray is also passionate about the importance of giving back to his community. He has been active in the United Way of Ottawa County, Big Brothers/Big Sisters and Legal Aid of Kent County. He spends his free time with his family and enjoys boating, deer and pheasant hunting, fishing and attending Michigan State University football and basketball games.
Posts by or including Ray Schultz
Proposed FDCPA and Other Debt Collection Changes Move Forward in Congress
In November, the House Financial Services Committee passed several bills that would significantly expand consumer protections and impact how and when creditors can engage in … Continue Reading
How to Use a Michigan Judgment Lien in Your Collection Efforts
If you own real property in Michigan, you won’t be able to sell it or refinance unless you have a clean title. If you are … Continue Reading
How Michigan Creditors Can Obtain Answers and Assets With a Debtor Exam Subpoena
Judgment creditors can spend a lot of time searching for a debtor’s assets, sending out garnishments to banks and employers and taking other steps to … Continue Reading
Michigan Creditors Can Garnish State Tax Refunds to Satisfy Their Judgments
Tax season is in full swing, and this year many Michigan taxpayers find themselves unpleasantly surprised that their federal refunds are significantly smaller than they … Continue Reading
Michigan Bank Account Garnishment – A Powerful Collections Tool
Obtaining a judgment against a delinquent debtor is an essential step in collecting amounts owed to you. But most debtors don’t respond to judgments by … Continue Reading
Understanding Wage Garnishments
Wage garnishments are by far the most common method of judgment collection available to creditors. They are considered a “first in time, first in line” … Continue Reading
Seizure Orders
Imagine you are sitting at home one evening enjoying your dinner when suddenly a gentleman with a badge and some official looking paper titled “Seizure … Continue Reading
Collecting Your Money
Each year thousands of individuals, businesses and financial institutions (creditors) utilize the legal process to file suit to collect monies owed to them. Once a … Continue Reading