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Washington County Bankruptcy Attorney

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If you're in a difficult financial situation and struggling to manage your debt, bankruptcy might be the answer you're looking for. Filing for bankruptcy can provide you with relief from creditor harassment and help you address your financial obligations in a manageable way.

At Ryan Legal Services, Inc., our Washington country bankruptcy attorney is here to help you navigate the complexities of bankruptcy law and find the best-suited solution for your unique situation. With our guidance, you can find a better way forward and take the first steps towards a brighter financial future.

Interested in learning more about how our bankruptcy lawyer in Washington County, AL, can assist you? Call (251) 241-5234 or send us a message online to begin.

What Is Bankruptcy?

Bankruptcy is a legal process that provides relief to individuals and businesses burdened by debt. Bankruptcy is designed to offer a fresh start, free of the crushing weight of financial obligations.

The process can involve liquidating one's assets to pay off debts or creating a repayment plan while retaining assets. Though it may seem intimidating, bankruptcy can be a valuable tool for those struggling with unmanageable financial responsibilities. With the help of our experienced bankruptcy attorney in Washington County, clients can navigate the process and emerge on more solid financial footing.

Bankruptcy Services We Offer

At Ryan Legal Services, Inc. our team of experienced professionals utilizes our knowledge and resources to listen and understand each client's unique situation. We are dedicated to helping our clients find tailored solutions to their situations.

Our team can help you with the following areas:

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

We believe that taking the time to understand each client's circumstances enables us to provide the most effective solutions possible. Whether you're a business owner or an individual facing financial hardship, Ryan Legal Services, Inc. can help.

Benefits of Filing for Bankruptcy

Filing for bankruptcy doesn't always carry the negative connotations people may often assume. In fact, for many individuals, it can present a range of advantages.

Filing for bankruptcy can provide benefits including:

Relief from creditor harassment: Bankruptcy delivers significant relief by imposing an "automatic stay" that shields you from relentless collection attempts during the pending bankruptcy. Moreover, it affords temporary protection against foreclosure and car repossession. Importantly, once a debt is discharged through bankruptcy, debt collectors are legally prohibited from pursuing its collection.
Avoid wage garnishment: Wages earned after filing for bankruptcy are not considered part of the bankruptcy estate, thereby protecting your future earnings from being garnished for repaying discharged debts. It is worth noting, however, that future wages may remain vulnerable to undischarged debts, such as outstanding child support or earnings outlined in a payment plan for Chapter 13.
Emotional relief: Balancing multiple creditors can be mentally and physically draining, with financial stress taking a toll on your overall well-being and familial relationships. Bankruptcy can provide much-needed breathing room and an opportunity for a fresh start, giving you emotional relief from the burden of debt.

With assistance from our seasoned bankruptcy attorney in Washington County, navigating the process can be made much simpler and less intimidating. Our attorney can work closely with clients to understand their specific circumstances and concerns. Our goal is to provide personalized guidance and support every step of the way, helping our clients feel empowered and informed as they make decisions.

Contact Our Firm Today

If you find yourself considering filing for bankruptcy or believe it may be time for a loved one to do so, seeking the help of a reputable attorney with experience in bankruptcy law is crucial. Ryan Legal Services, Inc. has been in the field for over 25 years and is here to guide you through the process with ease and simplicity. Our team prioritizes the well-being of our clients, offering 24/7 accessibility for your convenience.

Contact us today to request a free, confidential consultation. Dial (251) 241-5234 or send us a message online to get started.

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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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