How to Begin the Bankruptcy Process in Mobile

Are You Filing for Bankruptcy in Alabama?

Financial difficulties can happen to anyone. Stress levels can arise when you are faced with the threat of foreclosure, aggressive creditors, and the IRS hounding you. Too often, people view bankruptcy as a last resort. While it might not be ideal, it can actually offer relief to many individuals, businesses, and more.

At Ryan Legal Services, our skilled Mobile bankruptcy attorney is here to help you understand your options and navigate the complex laws surrounding credit card debt, home foreclosure, creditor harassment, wage garnishment, and more.

Additionally, our legal team can help you with the following:

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

If you’re ready to discuss your case with our bankruptcy attorney, call (251) 241-5234. We proudly serve clients in Baldwin, Mobile, Escambia, Conecuh, Clarke, Monroe, Washington and Choctaw Counties.

Understanding Bankruptcy Laws in Alabama

The most common types of bankruptcy cases are filed Chapter 7 and Chapter 13 of Title 11 of the United States Code. This means that bankruptcy cases are filed in the United States Bankruptcy Court, not in the District or Circuit Courts or Municipal Courts.

Bankruptcy law is the same from state to state for the most part, except for laws pertaining to the property that can be protected (in Chapter 7) or not counted as an asset (Chapter 13). These laws are commonly called “exemption laws.” There are state laws (or “statutes”) that apply to your property when filing a bankruptcy case.

Our Mobile Bankruptcy Lawyers Can Help

At Ryan Legal Services, we know it can be difficult to understand these bankruptcy laws. We strive to always explain the law in simple, easy to understand terms, so you can make informed decisions for your case. Our legal team finds the right solutions for your case, while allowing you to make your own decisions. With 24/7 case access, you can always know what’s happening.

To start talking about your case, reach out to our Mobile bankruptcy attorney at (251) 241-5234.