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Conecuh County Bankruptcy Attorney

Let Our Team at Ryan Legal Services, Inc. Guide You

Struggling with debt is a daunting and isolating experience, but you don't have to go through it alone. Our team at Ryan Legal Services, Inc. is here to provide you with the comprehensive bankruptcy services you need to get back on track. 

We know that every situation is unique, which is why our skilled professionals will work with you to create a personalized plan that meets your specific needs. At our firm, we believe that everyone deserves a fresh start and a chance to rebuild their financial future. Don't let debt control your life - contact us today and let us help you regain control.

Contact our team in Conecuh County by sending us a message online or dialing (251) 241-5234.

Bankruptcy Matters We Handle in Conecuh County

Filing for bankruptcy can be a daunting decision for anyone. However, in many cases, it is a necessary step towards gaining immediate relief from the overwhelming debt. 

Matters we handle include:

  • Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Chapter 11 bankruptcy (for businesses)
  • Debt negotiations
  • Foreclosure defense
  • Credit report errors
  • Fair credit reporting
  • Federal and State appeals

With over two decades of experience, our team at Ryan Legal Services, Inc. can help you every step of the way in debt relief and bankruptcy. Our team of professionals is dedicated to providing you with the guidance you need to move forward and begin the path towards financial recovery. Don't hesitate to reach out to us and let us assist you.

What Is the Bankruptcy Means Test?

The bankruptcy process can be a daunting road for anyone to go down, but the means test helps determine what type of bankruptcy you're eligible for. 

Chapter 7 bankruptcy requires your average household income over the past six months to be compared to the median household income in your state. If your income is below the median, it's usually a good indication that you're eligible for this type of bankruptcy. 

However, if Chapter 13 bankruptcy is what you're looking at, the test will inform you of how much of your unsecured, non-priority debt you must repay over a period of three to five years. This is determined by considering your disposable income. Disposable income is your monthly income minus certain allowed expenses. If your disposable income is high, you may need to pay a substantial portion of your unsecured debts in your repayment plan.

Navigating bankruptcy law can be stressful for anyone. However, it's crucial to keep in mind that you don't have to go through this process alone. Seeking the guidance of our skilled bankruptcy attorney at Ryan Legal Services, Inc. can make a significant difference as you work toward financial recovery. We have the experience and knowledge to help guide you every step of the way. Don't hesitate to reach out to us for assistance.

Choose Ryan Legal Services, Inc. Today

If you're struggling with overwhelming debt, speaking to an experienced bankruptcy attorney can help you see a path forward. Our firm's founder, Attorney Kevin Ryan, has been helping individuals and businesses navigate the bankruptcy process since 1998. 

With decades of experience, he can provide personalized guidance that helps you make informed choices about your financial future. Let us translate complicated legal jargon and help you understand your rights so you can make decisions with confidence. 

Remember, filing for bankruptcy isn't the end. It's a chance to start fresh and build a stronger financial foundation. Contact our firm today and take the first step towards reclaiming your financial freedom.

Dial (251) 241-5234 or send us a message online to learn more about how our Conecuh County bankruptcy lawyer can help you.

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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.

  • 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.

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

Take the First Step Towards Financial Freedom.

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