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Escambia County Bankruptcy Lawyer

Assisting Clients With Bankruptcy in Alabama

Navigating through financial challenges can be an overwhelming experience, but with the right guidance and support, you can regain control of your financial future. Ryan Legal Services, Inc. is your trusted partner when it comes to resolving bankruptcy issues. Our Escambia County bankruptcy lawyers are committed to delivering comprehensive and effective legal solutions tailored to your unique circumstances.

Call Ryan Legal Services, Inc today at (251) 241-5234 or contact us online to schedule a consultation with our bankruptcy attorney in Escambia County.

Bankruptcy Cases We Handle

At Ryan Legal Services, Inc., our dedicated bankruptcy attorneys specialize in a range of bankruptcy cases, ensuring that we can assist you with the specific challenges you are facing.

Chapter 7 Bankruptcy: Chapter 7 bankruptcy involves the sale of non-exempt assets to settle outstanding debts. We can guide you through the entire process, helping you understand eligibility criteria, exempt assets, and the discharge of debts.
Chapter 11 Bankruptcy: For businesses and individuals with substantial assets, Chapter 11 bankruptcy may provide a strategic avenue for reorganization. We have a wealth of experience in handling complex Chapter 11 cases, offering strategic advice to help you emerge from financial distress stronger and more resilient.
Chapter 13 Bankruptcy: Chapter 13 bankruptcy is designed for individuals with a regular income who seek a structured repayment plan to address their debts. We can work closely with you to create a feasible plan, negotiate with creditors, and ensure that you have a clear path toward financial stability.
Debt Negotiation: Sometimes, negotiation with creditors can be an effective alternative to bankruptcy. We work to reach favorable settlement terms and alleviate the burden of overwhelming debt.
Foreclosure Defense: If you're facing the threat of foreclosure, our legal team can provide a robust defense strategy. We understand the intricacies of foreclosure proceedings and can explore legal avenues to help you keep your home or navigate the process with minimal impact on your financial well-being.

How Our Bankruptcy Attorney Can Help You

At Ryan Legal Services, Inc., our commitment is to provide personalized and effective legal representation to guide you through the complexities of bankruptcy law.

Strategic Planning: We can analyze your financial situation, assess the best course of action, and develop a comprehensive plan to achieve the most favorable outcome.
Legal Expertise: With years of experience in bankruptcy law, we possess the knowledge and skills that are necessary to navigate the complexities of the legal system. We stay abreast of changes in bankruptcy laws and precedents to ensure that our clients receive the most up-to-date and effective legal representation.
Courtroom Advocacy: If your case requires litigation, our attorneys are seasoned courtroom advocates. We represent our clients with tenacity, presenting compelling arguments and advocating for their rights to ensure the best possible outcome in court.
Financial Guidance: Beyond the legal aspects, our team understands the financial stress that accompanies bankruptcy. We offer guidance on rebuilding credit, managing finances post-bankruptcy, and creating a solid foundation for a brighter financial future.

Contact Our Escambia County Bankruptcy Attorney Today

If you are facing financial challenges and are considering bankruptcy, don't navigate the complex legal landscape alone. At Ryan Legal Services, Inc., we are here to help you find the best solution for your unique situation. Contact our Escambia County bankruptcy attorney today for a confidential consultation, and let us guide you toward a brighter financial future.

Contact Ryan Legal Services, Inc today to get started with our Escambia County bankruptcy lawyer.

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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

Serving Mobile, AL Since 1998

"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