How do I determine my best options if I am having Financial Problems?

Posted by Kevin Ryan | Aug 21, 2015 | 0 Comments

One of the best ways to determine how to best address financial problems involving debt matters is to contact a qualified, experienced bankruptcy Attorney.  I have been helping clients make these important decisions for more than eighteen (18) years.  My approach to bankruptcy law is to meet with each client in person, and confidentially at my law offices located at 209 N. Joachim Street in downtown Mobile, Alabama.   I will almost always meet a client at the client's home or some other place ( such as a work cafeteria, public library, senior citizens' center, etc).  The most important part of the consultation is that YOU, the client, feel comfortable and that you feel a high level of trust in the attorney.

The first meeting with a bankruptcy attorney should involve a review of your financial information.  This includes, at a minimum, a copy of your previous two (2) years federal and state income tax returns, a copy of your paystubs for the previous six (6) months ( the prior 12 months is preferred), your spouse's pay stubs for the prior six (6) months and any separately filed income tax returns for your spouse for the past two (2) years, a list of all of your creditors including name, address and account numbers, a copy of your Trans Union, Equifax and Experian Credit Reports ( you can get them for free at,  and a completed Client Information Worksheet the Attorney should send you prior to your appointment.

You should go on your Attorney's website to make sure there is plenty of general information concerning the bankruptcy process.  I have posted the official videos of the United States Courts on my website at   The videos provide a common sense, plain language explanation of the bankruptcy process in English and in Spanish.   If you are hearing impaired, disabled, or speak another language as your first language, the United States Bankruptcy Courts all across the country are equipped to assist you.   Please do not ever hesitate to let me know if you have a disability, speak another language as your main language at home, or if you are hearing or site impaired.  I will always do everything in my power to assist you and make your experience in consulting with an Attorney an easy one.

Once the attorney completes the initial consultation meeting, he or she should be able to tell you approximately how much it will cost in legal fees to complete the representation of you in connection with your case.  Every bankruptcy case is as unique as the characteristics of the individual filing the case.  Every person brings to the table their own unique set of circumstances which should be discussed with the Attorney in as much detail as possible.    It is usually the best practice that the Client meets alone with the Attorney.  This will ensure confidentiality in the communication between Attorney and potential client.   All conversations with an Attorney are required to be kept 100% confidential by an Attorney whether the Attorney is hired or not.   If you intend to file a joint case with your spouse, you should both attend the meeting.  If there is an issue of separation of divorce, this should be discussed with the Attorney when setting up the initial office consultation. In some cases of separation and  a pending divorce, it is the best decision for each spouse to be represented by their own attorney.  This will depend on the comfort level you each have in working together and communicating together with the Attorney.

Please feel free to contact me about your financial situation.  You can reach me at (251) 431-6012 or email me at   -Kevin Ryan, Attorney at Law.   Ryan Legal Services, Inc., 209 N. Joachim Street, Mobile, AL 36603;  Serving Baldwin, Mobile and Washington county residents

About the Author

Kevin Ryan

"I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. And I'll make them go away."  -Kevin Ryan, Attorney at Law Kevin Ryan is a graduate of the College of Wooster and the Cleveland Marshall College of Law. He is admitted to practice before all Alabama State Courts, the United States District Court for the Southern District of Alabama, and the United States Bankruptcy Court for the Southern District of Alabama. The United States Bankruptcy Court is a part of the United States District Court. Since 1998, Mr. Ryan has represented thousands of individual clients in bankruptcy, criminal, divorce, probate, personal injury, and real estate matters.  Attorney Ryan is also a licensed real estate agent in Alabama.  He handles  Bank-owned properties, short sales, and conventional sales in addition to conventional real estate listings.   This wide range of experience enables Attorney Ryan to take a wider look at your legal matter. It is important to consult with an attorney who can see from experience how other legal issues may affect your situation, and advise you accordingly. Personal Info Kevin Ryan is a member of First Baptist Church in Silverhill, Alabama. He resides in Silverhill with his wife Jessica and their three children. Committed to helping our Clients achieve a fresh financial start Our practice focuses primarily on consumer bankruptcy matters under Chapter 7 and Chapter 13 of the United States Bankruptcy Code.  Our law practice also includes matters where bankruptcy litigation, appellate work, or involvement in civil lawsuits is needed by a client.     No representation is made that the quality of any of these legal services is of higher quality than another attorney or law firm.   The United States Bankruptcy Code requires the following notice:  We are a Debt Relief Agency, which means we help people get legal relief from their Debts through the bankruptcy process. Interested in learning more about our bankruptcy attorney near Mobile, Alabama? Contact Us for help with chapter 7 bankruptcy or chapter 13 bankruptcy in Mobile, Baldwin and Washington counties. Education Juris Doctor, Cleveland Marshall College of Law, 1997 Employed full time as a paralegal while attending law school in the evenings. B.A., The College of Wooster, 1994 NCAA Div.III All Conference (N.C.A.C.) Football Team : Defense 1993; Most Inspirational Senior Award 1993; Co-captain 1993; Letterman 1991-1993; Phi Sigma Alapha Fraternity 1991-1994; Athletic Director Jurisdictions Admitted to Practice Alabama


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We serve the following localities: Choctaw county, Washington county, Clarke county, Monroe county, Escambia county, Mobile County including Eight Mile, Grand Bay, Irvington, Mobile, Prichard, Saraland, Semmes, Theodore, and Tillmans Corner; and Baldwin County including Bay Minette, Daphne, Fairhope, Foley, and Robertsdale.

I'll BE there for you.

I'll never be the kind of attorney your creditors want me to be. I'll always be the kind of attorney you NEED me to be. Call me. I'll BE there for you. - Kevin Ryan, Attorney at Law