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Clarke County Bankruptcy Attorney

Let Our Bankruptcy Lawyer Guide You

Filing for bankruptcy can be a daunting and confusing process. However, you don't have to navigate it alone. Whether you're dealing with personal or business financial obligations, our experienced bankruptcy attorney in Clarke County at Ryan Legal Services, Inc. can help guide you through the process.

With over 20 years of experience, we have the knowledge to assist you in each aspect of your case. Don't let the stress of bankruptcy consume you. Let us help you find a way forward.

Dial (251) 241-5234 to learn more about how our bankruptcy attorney in Clarke County can assist you, or send us a message online.

What Is Bankruptcy?

Bankruptcy is a legal solution for those grappling with hefty debt. This procedure offers both individuals and businesses a fresh financial start. The type of bankruptcy filed determines the process, with Chapters 7, 11, or 13 available as options.

In general, individuals may liquidate assets to pay debts or create a repayment plan while keeping their assets, depending on the type of bankruptcy filed. While it can look intimidating, filing for bankruptcy can offer life-changing benefits. It enables those struggling to take back control of their finances and build economic stability.

Bankruptcy Matters We Handle in Clarke County

At Ryan Legal Services, Inc., we understand the weight that financial difficulties can have on our clients. That's why we offer a range of bankruptcy and debt relief services to assist those who need them.

Our team assists with 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

Our dedicated team can provide you with guidance tailored to your specific circumstances. By getting in contact with us, our bankruptcy attorney in Clarke County can closely listen to your situation, evaluate it, and recommend the most appropriate solution for your needs. Don't hesitate to reach out and see how we can help alleviate your stress and help you regain control of your finances.

What Are the Benefits of Filing for Bankruptcy?

Filing for bankruptcy can be a tough decision, but for those who do, it can offer swift relief and a path forward. Successful bankruptcy filings can provide debt relief options and stop creditor harassment while setting you on a structured plan to eliminate or reduce your debt.

It also allows you to take control of your financial situation and start fresh. Additionally, bankruptcy filings can put a halt to foreclosure proceedings, prevent vehicle repossession, and stop wage garnishment. Furthermore, in the long run, it may even improve your credit score by simplifying your finances through debt elimination. Overall, it is a viable option for individuals looking to take control of their finances and start a new chapter in their lives.

Why Choose Ryan Legal Services, Inc.?

Dealing with overwhelming financial obligations can be incredibly stressful. At Ryan Legal Services, Inc., we have seen firsthand how filing for bankruptcy can significantly help those struggling with debt. We know it's a big decision, and that's why we provide compassionate counsel and personalized attention to every client.

Benefits of hiring our firm include:

Experience: Since 1998, founder Attorney Kevin Ryan has been practicing consumer and business bankruptcy law. With over two decades of experience, our lawyer can evaluate your case and guide you with a wealth of knowledge.
Personalized attention: We know how different and unique each client’s situation is. This is why we can take the time to listen to your story, understand your needs, and find the best-suited option for you.
Legal care: Our team not only is proud to provide high-quality legal services, but also quality client care. We recognize the stress you may be facing and strive to help alleviate it my providing compassionate counsel and guidance.

When you choose our firm, you can trust us to navigate you through the complexities of bankruptcy law with the experience needed to achieve the best possible outcome for you and your loved ones. Let us help you explore your debt relief options in Clarke County and take the steps towards financial freedom.

Get in touch with our firm today at (251) 241-5234 or send us a message online to schedule an appointment.

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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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