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Probate Serving Families Throughout Mobile

Probate

Knowledgeable Estate Planning & Probate Attorney in Alabama

Attorney Kevin Ryan is prepared to help you navigate the complexities of estate planning, probate proceedings, and property division. Whether you are seeking to help your beneficiaries and family members avoid probate or you, the executor of a deceased loved one’s estate, or anywhere in between, our team at Ryan Legal Services, Inc is here to help you in any way possible. It never hurts to have a legal representative on hand to help during challenging times, and we are committed to being the support you need.

Understanding the Probate Process in Alabama

You may have already been thrust into probate proceedings if you are the executor of an estate or you are otherwise managing the division of your loved one’s property. When a person dies and has property that is not named in their will (or their will is not considered valid by the court), the probate process begins. Once it begins, there are a few things that need to happen:older couple on a couch

  • Property appraisal
  • Evaluation of the deceased person’s last will and testament
  • Taking inventory of the deceased person’s property and assets
  • Paying off loans, taxes, debts, and other outstanding obligations
  • Allocation of leftover property and assets

While this may sound straightforward and simple, probate proceedings can take months. It can also be exceedingly expensive and time-consuming for the family members involved, to the point that the majority of any property that is left over is used to pay for legal and court fees.

When your loved one is near death or has passed away, it is important to secure legal representation as soon as possible. Probate proceedings can become far more lengthy and costly than they need to be, especially if you go in without an experienced probate attorney on your side. When facing probate court, call Ryan Legal Services, Inc at (251) 241-5234 to get the help you need.

Avoiding Probate

It is generally best to avoid probate when possible, though this requires some forethought. Not all property has to pass through probate, and it is typically much easier on the family members and beneficiaries left behind when the majority of a deceased person’s assets and possessions are named in a valid will. One of the best ways to save yourself and your family from probate is to ensure the deceased (or soon to be deceased) person’s will is legally viable.

Get Ahead of Probate Proceedings. Call Our Alabama Probate Lawyer Today.

Whether you are preparing to manage a loved one’s estate following their death or you are putting together your own will, Attorney Kevin Ryan can help. He has personally served thousands of clients in matters pertaining to probate, estate planning, and more, and he is prepared to meet your legal needs during this time. Having a seasoned legal representative on your side makes all the difference, whether writing, altering, or enforcing a will, or handling probate proceedings after a loved one passes away.

Ready to Plan Your Estate? Call (251) 241-5234 for a Free Consultation

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Our FAQ

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.

Contact Ryan Legal Services, Inc Today!

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