Kevin M Ryan

Attorney Kevin Ryan has practiced in the area of consumer and business bankruptcy law for more than 20 years. He worked his way through the College of Wooster, in Wooster Ohio while employed as a janitor and as a City worker during the summers laying asphalt. He was a four (4) year letterman and three (3) year starter on the College of Wooster football team and was a member of the NCAC All Conference Team (1992) and All Academic Team ( 1991-1992).

After college, Attorney Ryan attended evening law school at The Cleveland Marshall College of Law while working full time as a paralegal and law clerk for the Cuyahoga County, Ohio Office of the Public Defendant and for private law firms and attorneys. In more than 22 years Attorney Ryan has directly handled several thousand consumer and small business bankruptcy cases.

Attorney Ryan has also practiced in the areas of criminal law, family law, probate law, real estate law, civil and criminal appeals, personal injury law and business litigation. Attorney Ryan has handled jury trials, depositions, bench trials, mediations and administrative hearings. He brings a broad perspective and life experience to the table and gives personal attention to every case he takes on. He now focuses his practice on bankruptcy and consumer law matters.

Attorney Ryan resides in Loxley, Alabama with his wife Jessica (College of Wooster 1994) and three children.

Bankruptcy

Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

Collections

Foreclosure Defense

Personal Injury

Animal & Dog Bites, Brain Injury, Car Accidents, Construction Accidents, Motorcycle Accidents, Premises Liability, Truck Accidents, Wrongful Death

Real Estate Law

Commercial Real Estate, Condominiums, Easements, Eminent Domain, Homeowners Association, Land Use & Zoning, Mortgages, Neighbor Disputes, Residential Real Estate, Water Law

Consumer Law

Class Action, Lemon Law

• FaceTime
• Google Hangouts
• GoToMeeting

• Free Consultation
  We accept debit cards. Credit cards are accepted in limited circumstances, as long as payor is verified as not being a party who is filing bankruptcy. A client cannot pay initial bankruptcy fees using a credit card.
• Credit Cards Accepted
  I am not able to accept client credit card payments for bankruptcy fees unless a person who is not a party to your case uses their own credit card to pay legal fees.
• Contingent Fees
  applies to personal injury, wrongful death and collection matters
• Rates, Retainers and Additional Information
  We guarantee all of our fees. We do not operate on open, running fee agreements in bankruptcy matters unless pre-arranged with client for special matters or complex cases involving litigation. In come cases, creditors can be ordered to pay legal fees for violating certain consumer and bankruptcy laws.

Alabama

Since 2015

Ohio

1998-2015

6th Circuit

1998-2015

licensed real estate sales associate

Jason Will Real Estate

2015 - Current

Kevin Ryan is a real estate sales agent licensed in the State of Alabama and is a principal member of Ryan Realty Group, LLC

President

Ryan Legal Services, Inc.

1998 - Current

Legal practice focused entirely on consumer bankruptcy matters; Chapter 7 and Chapter 13 cases.

President

West Shore Property Management Inc.

1999 - 2008

residential property investment and management company

Cleveland State University

J.D. | Law

1994 - 1997

College of Wooster

B.A. | History

1990 - 1994

Activities: Football, Phi Sigma Alpha

Div. III NCAC All Conference Team ( Defense : Outside Linebacker) 1993; Captain; Most Inspirational Senior Award

College of Wooster Football

1993

American Bankruptcy Institute

Attorney Member

2017 - Current

Mobile Bar Association

Attorney Member

2015 - Current

National Association of Consumer Bankruptcy Attorneys (NACBA)

Member

2005 - Current

member

American Bankruptcy Institute

Q. Do I have to give the trustee my tax refund in chapter 13 bankruptcy? Located in Alabama.

25 February 2021

A: The Bankruptcy Code DOES allow for the Chapter 13 Trustee in any district to inquire as to the amount of future income received by the Debtor, from all sources. Some Trustees send out an annual Questionnaire to every active bankruptcy Debtor upon which a disclosure under oath must be made as to all sources of income the past year, along with a copy of the Debtor's tax return. This usually does not happen in districts with a high number of filings, because this is an administrative nightmare for the Trustee's office, the Debtor Attorneys and the Debtors. In the Southern District of Alabama the Chapter 13 Trustee does not intercept future tax returns or require the Debtor to report annually on any tax return funds. Another important caveat is that Earned Income and Child Tax Credits are exempt under federal and state law, so they cannot be taken by a Trustee regardless of when they are received, either before or after the filing of the Bankruptcy case.

Q. Can I file for bankruptcy if I get by personal checks. I work in a private home.

24 February 2021

A: Yes. Receiving income via cash, private income, Bitcoin, or any other means can be disclosed to the Court to comply with 11 USC 521 / 11 USC 707 via an Affidavit prepared by your Attorney. The value of the compensation has to be disclosed to the Court. It must be included on the Means Test unless it is a type of income that is exempt, such as Social Security, VA disability and a short list of other incomes listed under the bankruptcy code.

Q. Will getting new car insurance affect my bankruptcy?

20 February 2021

A: You are free to change your auto insurance. Make sure, however, that you comply with any requirements of your auto lender to have certain coverages on the vehicle. Credit Unions will often require higher policy limits and coverage than commercial banks. Go through a local insurance agent who can advise you on all of the various policies and coverages available. You may want to consider gap coverage in case your vehicle is determined to be a "total loss" after an accident. You may also want to consider uninsured/underinsured motorist coverage ( in case the other driver is uninsured, or you are the victim of a hit and run). An insurance umbrella policy can also provide you and your family with additional coverage for injuries and losses which may be excluded by your policy. Keep in mind that when you are involved in an auto accident, you are in most cases limited to the insurance coverage available. The insurance company involved in settling a claim will require a release of any further claim(s) in exchange for issuing the settlement funds. Most auto claims are settled, so it is important to make sure you are adequately covered.