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Bankruptcy Lawyer Mobile

Proudly Serving Mobile County & the Surrounding Area

For over 26 years, bankruptcy attorney Kevin Ryan has focused 100% of his legal efforts and abilities on consumer and business bankruptcy law. Ryan Legal Services, Inc is committed to helping residents in Alabama get through difficult financial situations.

With our abundance of insight and experience, we can navigate you through all aspects of filing for Chapter 7 or Chapter 13 bankruptcy, as well as Chapter 11 business bankruptcy.

Our firm understands that every bankruptcy case is unique, requiring tailored solutions to meet specific needs. Beyond just handling legal documents, we offer guidance on securing your financial future post-bankruptcy. We help clients understand the implications for their credit scores and assist in planning a path towards rebuilding financial stability. We also provide resources for budget management and financial planning to ensure that you emerge stronger and more resilient.

Life comes with its fair share of roadblocks and obstacles. From job layoffs and unexpected family deaths to tax and debt troubles, tough times can hit anyone at any time. The question is, how do you overcome them? At Ryan Legal Services, Inc, we have an array of effective solutions to help you start over.

Navigating Bankruptcy in Mobile, Alabama

Understanding the intricacies of bankruptcy laws in Mobile, Alabama, is crucial for anyone considering this legal avenue. The United States Bankruptcy Court for the Southern District of Alabama, located in Mobile, handles all bankruptcy filings in the area. This proximity to the courthouse facilitates swift and efficient filing, ensuring that your case moves forward without unnecessary delays. Familiarity with local procedures and personnel can significantly impact the timeline and outcomes of your bankruptcy case.

Moreover, local economic factors, such as the impact of the Port of Mobile on regional employment and economic health, may influence individual financial circumstances. Our team at Ryan Legal Services, Inc stays informed about local economic trends and legal nuances to provide tailored advice that reflects the realities of living and working in Mobile. This local insight is invaluable in helping clients navigate the complexities of bankruptcy while considering broader economic factors that may affect their financial future.

Why Choose a Dedicated Bankruptcy Lawyer in Mobile?

Choosing a dedicated bankruptcy lawyer like those at Ryan Legal Services, Inc means working with a team that focuses exclusively on bankruptcy law. This dedication ensures that our clients receive the most informed and nuanced legal guidance available. Our exclusive focus on bankruptcy law means that we stay updated on the latest legal developments and strategies, which can provide significant advantages to our clients.

Additionally, a local attorney with extensive experience in Mobile can offer insights into local filing procedures, potential challenges, and court expectations. This local knowledge, combined with our strategic office locations close to the U.S. Bankruptcy Courthouse, allows us to offer services that are not only effective but also incredibly convenient. Our dedication to providing personalized service, including weekend appointments and quick response times, reinforces our commitment to client satisfaction.

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A bankruptcy attorney with over 26 years of experience?
A firm that provides 24/7 case access through MyCase portal and app?
Payment plans for Ch 7 and Ch 13 bankruptcy cases?

Call an Experienced Alabama Bankruptcy Attorney Today

The decision to file for bankruptcy can be a challenging one, and we understand that. Proper legal guidance from a professional bankruptcy lawyer in Mobile can make an impactful difference. Our approach to bankruptcy law brings peace of mind and can help get you through the process efficiently.

Our team at Ryan Legal Services, Inc is committed to providing a supportive and informative environment during this critical time. We educate our clients on the various bankruptcy options available and how each can serve their unique needs. Understanding your options is the first step towards making informed decisions. We conduct detailed consultations to analyze your financial situation and recommend the best course of action, ensuring you are confident and informed every step of the way.

Contact our experienced Alabama bankruptcy lawyer in Mobile online or call (251) 241-5234 to schedule a free consultation.

Frequently Asked Questions on Bankruptcy in Mobile

What Is the Difference Between Chapter 7 & Chapter 13 Bankruptcy?

Chapter 7 and Chapter 13 are two different methods of dealing with bankruptcy. Chapter 7 is often referred to as a liquidation bankruptcy, focusing on eliminating unsecured debts like medical bills and credit card debt. This process involves selling off non-exempt assets, and it typically takes a few months to complete. Chapter 13, on the other hand, involves creating a repayment plan to pay off debts over three to five years. This option is suited for individuals with a regular income who wish to keep their assets, such as a home or car. Choosing the right option depends on your unique financial situation, liabilities, and long-term goals, which is why consulting with a knowledgeable bankruptcy attorney is crucial.

How Does Bankruptcy Affect My Credit Score in Mobile?

Filing for bankruptcy will impact your credit score, often significantly reducing it in the short term. However, the impact diminishes over time and provides a fresh start to rebuild credit. Chapter 7 bankruptcy can remain on your credit report for up to ten years, while Chapter 13 can remain for seven years. It's essential to consider the long-term benefits of discharging overwhelming debt against the temporary decline in your credit score. Our team at Ryan Legal Services, Inc can guide you through understanding these consequences and providing strategies for rebuilding your credit effectively post-bankruptcy.

What Assets Can I Keep When Filing for Bankruptcy in Alabama?

Alabama state exemptions determine which assets you can keep when filing for bankruptcy. Common exemptions include your home (up to a specific value), vehicle, personal property, retirement accounts, and specific personal injury recovery awards. Knowing these exemptions can significantly influence your bankruptcy strategy. At Ryan Legal Services, Inc, we ensure that you maximize the exemptions to which you're entitled, protecting your most valuable assets while making a fresh financial start.

Is Bankruptcy the Right Decision for Me?

Deciding to file for bankruptcy is a personal decision that should be made after thorough consideration of your financial circumstances and future goals. We offer confidential consultations to discuss your situation and help you explore your options. Understanding the advantages and potential drawbacks, along with assessing factors like debt amount, types of debt, and income stability, is critical. Our approach centers on empowering you with the knowledge to make informed decisions for your financial well-being.

How Long Does the Bankruptcy Process Take in Mobile?

The length of the bankruptcy process in Mobile, Alabama, can vary depending on the type of bankruptcy filed and the complexity of the case. Chapter 7 cases typically conclude within three to six months, whereas Chapter 13 cases extend over three to five years, aligning with the repayment plan’s duration. Having experienced legal support can help streamline this process and reduce unnecessary delays. At Ryan Legal Services, Inc, our goal is to manage your case with precision and speed, ensuring timely filing and adherence to all local bankruptcy procedures.

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FAQs

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.

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Hear From Our Happy Clients

"Made a bad situation bearable."
Ryan Legal Services, Inc. made a bad situation bearable. They are very considerate and answer any questions you have.

- Brook Wheeler
"Great info and service!"
I was impressed with my call to Ryan Legal Services, Inc. They provided excellent info on handling my situation. I'd definitely refer them to anyone seeking an awesome attorney. Thank you!

- Donna Hoyle
"Very pleasant and straightforward."
Working with Ryan Legal Services, Inc. was very pleasant and straightforward. Thanks to their team, my Chapter 7 case went without a hitch.

- Michael Horne

What to Expect When You Contact Us

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
24/7 Access to Case Updates
Technologically-Savvy Law Firm
Available 24/7 to Take Your Calls

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