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Business Debt Collections Serving Families Throughout Mobile

Business Debt Collections

Experienced Collections Lawyer in Baldwin County, Alabama

Attorney Kevin Ryan has served thousands of people in your shoes and helped many people resolve their debt collection challenges. At Ryan Legal Services, Inc, we are here to help you prevent your debt collection matter from becoming worse than it needs to be.

Contact us to schedule your free consultation with our experienced Baldwin County attorney.

Commercial Collections & Breach of Contract

Two parties establish a contractual relationship when they exchange products, services, or money. You may agree to provide service for a client or another business but have trouble getting them to pay up. Not only can it put your business in a tight spot if a client or commercial partner is evasive or refuses to compensate you, but it can amount to a breach of contract.

Sometimes, going after a client or business for breach of contract packs a heavier punch than sending yet another reminder of their outstanding balance. If you have made phone calls, sent bills, and utilized other debt collection methods but had no success, you may need to take more aggressive legal action in order to force the other party to compensate you for your work.

Business Collections on Clients

Like it or not, you will probably have to follow up with a client at some point about their failure to pay an outstanding balance. This dynamic is much different and dealing with individuals can be a great deal more challenging (and frustrating) than communicating with another business. However, it is absolutely key that you remember not to engage in unlawful debt collection methods.

Crossing the line into potentially unlawful debt collection practices can ultimately harm your business, especially if a client takes legal action against you for violating the federal Fair Debt Collection Practices Act. Here are a few things to remember when seeking to collect payment from clients:

  • Avoid harassment. Calling clients or other debtors before 9am or after 5pm without their consent is considered harassment, as are using violent, profane, obscene, or highly aggressive language and failing to disclose your identity when calling them. Making repeated calls during the day and threatening to disclose the details of their debt to a third party also constitute harassment.
  • Send snail mail. Keeping a complete, written record of all your correspondence with a client will be very important if you end up needing to take legal action against them. In addition to making regular phone calls and keeping a log of all conversations, mail various letters demanding that they pay their debt.
  • Be willing to work with the client when possible. Sometimes clients evade or delay payment because they are experiencing legitimate financial hardship. Clients with money problems will often opt to pay none of the debt owed, rather than pay an amount smaller than the total debt. When making demands doesn’t work, it may be wise (and save you a lot of hassle) to work with the client to come up with a repayment solution that works for them.
  • Legal counsel is essential. Getting a second opinion from someone who is acquainted with consumer protections, bankruptcy laws, and your possible legal solutions is key when trying to recover a debt owed. If you accidentally overstep your bounds when seeking to collect, you could lose the amount owed and end up with an expensive lawsuit on your hands. Don’t let this happen to you.

Talk to a Baldwin County Bankruptcy Attorney Today

At Ryan Legal Services, Inc, it is our mission to equip you with the legal counsel and protection you need to resolve your dispute. Attorney Kevin Ryan is experienced in tax, injury, real estate, probate, and bankruptcy law, and he has personally served thousands of clients. He is the savvy legal representative you need to resolve your debt collection dispute.

Call (251) 241-5234 today to speak to one of our friendly, knowledgeable team members.


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.

Contact Ryan Legal Services, Inc Today!

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