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Baldwin County Bankruptcy Attorney

Ryan Legal Services, Inc. Is Here to Help You

Life's unpredictable, and if you find yourself struggling with debt in Baldwin County, know that you're not alone. At Ryan Legal Services, Inc., we understand how overwhelming it can feel when the bills keep piling up. That's why we are committed to providing comprehensive bankruptcy services tailored to your unique situation.

Our firm is here to help you regain control of your financial future. We believe everyone deserves a fresh start and a chance to rebuild, and we understand that this is a difficult time for you and your family. Turn to our Baldwin County bankruptcy lawyer for the guidance and support you seek.

Call (251) 241-5234 or contact us online to schedule a consultation and discover whether bankruptcy is a good option for you.

Benefits of Bankruptcy Filing

Filing for bankruptcy is a big decision, but for many, it offers immediate relief and a way forward. A successful bankruptcy filing has the potential to provide you with both debt relief options and creditor harassment. It offers a legal and structured way to eliminate or reduce your debts, allowing you the opportunity to start fresh. As such, it enables you to regain control of your financial situation.

Beyond the immediate relief, bankruptcy filings can halt foreclosure proceedings, prevent vehicle repossession, and stop wage garnishment. It may even improve your credit score in the long term, as eliminating debts can make managing your finances easier.

Our legal team can assist you in a variety of areas related to bankruptcy and debt management, including the following:

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Chapter 11 Bankruptcy ( for businesses)
Debt Negotiation
Child Support & Bankruptcy
Credit Report Errors
Fair Credit Reporting
Foreclosure Defense
Federal and State Appeals

No matter the complexity of your situation, our Baldwin County bankruptcy lawyer is ready to guide you through the process and help you regain your financial freedom.

Chapter 7 vs Chapter 13 Bankruptcy

When faced with bankruptcy, it's crucial to understand the differences between Chapter 7 and Chapter 13. These two types of bankruptcy are the most common for individuals and families, but they serve different purposes and have distinct eligibility requirements.

Chapter 7 Bankruptcy

This form, also known as "liquidation bankruptcy," allows for the discharge of certain debts without repayment. This can be an effective way to wipe out unsecured debts like credit card debt or medical bills. However, to qualify for Chapter 7, you must pass a "means test," which assesses your income, expenses, and family size to determine if your disposable income is low enough to file under Chapter 7.

Chapter 13 Bankruptcy

This form of bankruptcy is more akin to a restructuring or repayment plan rather than a discharge of debt. It allows you to create a plan to repay all or part of your debts over three to five years. This type of bankruptcy is often better for those with a reliable income who can make regular payments to their creditors. Unlike Chapter 7, there is no means test for Chapter 13, but there are other limitations.

It's important to consult with a bankruptcy attorney to understand better which type of bankruptcy may suit your situation.

Why Choose Ryan Legal Services, Inc.?

While it is not legally required to work with an attorney when filing for bankruptcy, the process is complex and can be challenging to navigate on your own. An experienced attorney can help you understand your rights so that you feel more confident in making important decisions that can impact your future financial health.

Our firm's founder, Attorney Kevin Ryan, has been practicing consumer and business bankruptcy law since 1998. With decades of experience, he has the deep bankruptcy knowledge to provide you with personalized, informed guidance.

Bankruptcy is not the end; it's a new beginning. It's a chance to clear your debts and start again on solid footing, and we're here to make that transition as smooth as possible for you. Reach out to us today, and let us help you reclaim your financial freedom.

Don't let insurmountable debt define your future. Speak with our Baldwin County bankruptcy attorney now. Call (251) 241-5234 or message us online.

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FAQs

Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 251-241-5234 today!

What are Exemptions?

Most of the exemptions which will apply in a Chapter 7 case are found under Alabama state law. States are all given the option by Congress to decide whether to operate under their own exemption statutes, or under the exemption statutes set out under Title 11 of the U.S. Code ( the “Bankruptcy Code”). There are additional statutes ( “laws”) in both the United States Code and under the Alabama Code.
Whenever there is a statute that provides additional protection for your property over and above the standard list of exemptions, you can claim these exemptions to further protect your property. Failure to timely claim an exemptions can have the effect of a waiver of that exemption. This means it is highly important to provide your lawyer ( “attorney”) with all of the information he or she requests from you concerning your property. The panel trustee is only able to seize and liquidate property to pay creditors which is not subject to a legal exemption under Alabama OR federal law.
In Chapter 13 bankruptcy cases, the Debtor keeps all property. Exemptions are still important to identify and claim in your case, however. Failure to claim all of your exemptions in a Chapter 13 case can result in you being required to pay your creditors more than you would otherwise owe them if all exemptions were claimed.
At Ryan Legal Services, Inc., we are highly knowledgeable and keep up to date with respect to Chapter 7 and Chapter 13 bankruptcy exemptions. We represent individual clients in Baldwin, Mobile and Washington Counties.
Kevin Ryan is an experienced bankruptcy lawyer who will be there for you. Call us to set up a free telephone or office consultation. Kevin Ryan is admitted to practice before the United States Bankruptcy Court for the Southern District of Alabama. http://www.alsb.uscourts.gov
What is a Reaffirmation Agreement?

You may decide that you would like to keep your relationship with certain creditors in a Chapter 7 case. The procedure to maintain certain debts post-bankruptcy is called Reaffirmation. Reaffirmation is accomplished by entering into a written agreement with the creditor using one of a number of Official Bankruptcy Forms. Usually, the debtor and creditor simply re-establish the original terms of the loan. In some cases, the creditor may agree to reduce an interest rate, or modify the original contract terms as an incentive for the debtor to reaffirm the debt.
Reaffirmation of a long term mortgage loan or an auto loan may be something a debtor would want to consider in the context of filing a Chapter 7 bankruptcy case. The terms of the agreement, and whether the agreement would be in the client's best interest is something that a competent lawyer will discuss with a client. Reaffirmation of a mortgage or auto loan will cause the future payments to be reported to the major credit bureaus ( Trans Union, Experian and Equifax). Timely payments will help raise the debtor's credit score after the bankruptcy discharge order is issued in the Chapter 7 bankruptcy case.
A debtor will generally have only forty-five (45) days after the conclusion of the Meeting of Creditors to file the Reaffirmation Agreement. The debtor is required to file Official Bankruptcy Form 8 ( Statement of Intent) with the U.S. Bankruptcy Court that identifies the debtor's intent with respect to secured debts like auto and car loans. A debtor is never required to reaffirm any debt in a Chapter 7 bankruptcy case.
At Ryan Legal Services, Inc, we have been representing individuals in Chapter 7 and Chapter 13 bankruptcy matters since 1998. We represent individuals in Baldwin, Mobile and Washington Counties.
Kevin Ryan is an experienced bankruptcy lawyer who will be there for you. Call us to set up a free telephone or office consultation.
Should I Transfer Property Pre-Bankruptcy?

There are some cases where a client can meet with a lawyer and make arrangements to change the ownership of property, sell property, or dispose of property prior to filing a bankruptcy case. However, this should never be interpreted as a blank license to indiscriminately transfer assets out of your name. You should never transfer title to any property, or spend any amount of money that is not allocated towards necessary household bills, utilities, and pre-existing secured debt payments prior to consulting with a bankruptcy lawyer. The initial office consultation with a lawyer is dedicated mostly to discussing these issues. A lawyer will always be interested in meeting with you sooner rather than later so that these potential issues can be identified and properly addressed prior to moving forward on your case.
Transfers of property, or spending discretionary funds prior to filing a bankruptcy case can often result in negative consequences when you later file a bankruptcy case. Every bankruptcy case presents different circumstances, and different opportunities to legally protect your property from creditors. The objective in most bankruptcy cases is to protect all or as much of your property while terminating all or most of your debt. This is usually where a bankruptcy case can become too complicated for a person to obtain all of the benefits of a bankruptcy filing by filing a case without hiring a lawyer. The best bankruptcy attorneys set and accomplish goals with their clients to protect the maximum amount of property and obtain a discharge of all or a maximum amount of the client(s)' debt in the least amount of time.
You should not transfer any of your property until you speak with a qualified, experienced bankruptcy attorney. At Ryan Legal Services, Inc., Attorney Kevin Ryan has more than 18 years experience handling complex Chapter 7 and Chapter 13 Bankruptcy matters. Call now to schedule a free telephone or office consultation. We are happy to discuss these issues with you personally and confidentially.
Kevin Ryan is an experienced bankruptcy lawyer who will be there for you. Call us to set up a free telephone or office consultation.

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What to Expect When You Contact Us

Serving Mobile, AL Since

We offer payment plans for ch 7 and ch 13 cases
Member of the American Bankruptcy Institute
Free & Confidential Case Consultations
Solely Focused on Consumer & Business Bankruptcy Law
Saturday Appointments in Robertsdale or Mobile
24/7 Access to Case Updates
Technologically-Savvy Law Firm
Available 24/7 to Take Your Calls

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