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.